VIRTUAL CARD

1 . A method comprising steps of:

providing a virtual card in a memory of a mobile device, wherein the virtual card comprises user information;

establishing a data connection between the mobile device and a terminal device;

authenticating a user of the virtual card; and

transferring a result of the authentication to the terminal device in order to activate commands of the terminal device.

2 . The method of claim 1 , wherein the data connection between the mobile device and the terminal device is established when a distance between the mobile device and the terminal device is less than a predetermined value.

3 . The method of claim 2 , wherein the distance between the mobile device and the terminal device is determined using a geolocation procedure.

4 . The method of claim 1 , wherein the step of authenticating the user comprises a step of entering a personal identification number.

5 . The method of claim 1 , wherein the step of authenticating the user comprises a step of entering a password.

6 . The method of claim 1 , wherein the step of authenticating the user comprises steps of recording and analyzing a fingerprint of the user.

7 . The method of claim 1 , wherein the step of authenticating the user comprises steps of recording and analyzing a sound sample.

8 . The method of claim 1 , wherein the step of authenticating the user comprises steps of recording and analyzing a signature of the user.

9 . The method of claim 1 , wherein the step of authenticating the user comprises steps of recording and analyzing a user action.

10 . The method of claim 1 , wherein the step of authenticating the user comprises steps of providing an image of the user and analyzing the image.

11 . The method of claim 1 , wherein the terminal device is adapted to initiate a transfer of money after successful authentication of the user.

12 . A method for creating a virtual card, comprising steps of:

recording a digital image of a document;

processing the digital image in order to retrieve user information;

transferring the user information to a server device; and

creating the virtual card by associating the user information with the virtual card.

13 . The method of claim 12 , further comprising steps of transmitting the virtual card to a mobile device and storing the virtual card in a memory of the mobile device.

14 . The method of claim 12 , further comprising a step of transferring the digital image to the server device.

15 . A computer program product comprising executable instructions stored on a non-transitory computer-readable medium wherein the instructions, when executed by a processor, cause the processor to perform steps of:

providing a virtual card in a memory of a mobile device, wherein the virtual card comprises user information;

establishing a data connection between the mobile device and a terminal device;

authenticating a user of the virtual card; and

transferring a result of the authentication to the terminal device in order to activate commands of the terminal device.