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\section{Motivation}
Which payment systems do you use in your daily live and why? Probably one you know it is universally accepted, reliable, secure and the payment goes through more or less instantly.
The \textbf{universal acceptance} was identified as one of the most important aspects in a report which was published on behalf of the ECB (European Central Bank) in march 2022 as result of a focus group concerning the acceptance of a digital euro \cite{panetta-speech-march-30} as new payment system. The universal acceptance was even identified as \textit{the} most important property amongst the general public and tech-savvy people in the report \cite{study-new-digital-payment-methods}.
In a world, where everything is connected and everything is accessible from everywhere (one might think), it is therefore very important to make it as easy as possible to on-board people on a product. This is also the case for Taler. For a wide acceptance of the payment system Taler, it is important that various ways exist to withdraw digital cash in Taler.
This is where this thesis hooks in. Currenlty it is possible to withdraw digital cash using Taler at a Bank which runs a \textit{Taler Exchange} and integrates the respective API. At time of this writing only one Bank is in the process of running a \textit{Taler Exchange}. At the Berner Fachhochschule an \textit{Exchange} is operated and digital cash can be withdrawn at the secretariat using cash.
To make the access to digital cash using Taler easier and allow faster spreading of the payment system Taler, a framework for cashless withdrawal of digital cash is proposed and implemented in order to open new doors for the integration and adoption of the Taler payment system within the society.
To make the withdrawals using a credit card possible, various loose ends must be put together within the Taler ecosystem and the terminal provider.
Therefore a new component C2EC shall help, establishing a trustworthy relationship, which makes it possible for the \textit{Exchange} to issue digital cash to a customer. Therefore the \textit{Exchange} is not putting his trust on cash received but rather on the promise of a trusted third party (a terminal provider) to put the received digital cash in a location, controlled by the \textit{Exchange} eventually (e.g. a bank account owned by the \textit{Exchange}).
This enables a broader group of people to leverage Taler for their payments. Which eventually leads to a wider adoption of the payment system Taler.
\section{Perspectives}
During the initial analysis of the task, three areas of work were discovered. One is the \textit{Taler Exchange}, one the Application for the terminal and the (Taler) \textit{Wallet}. This led to different views on the system by two different players within it. To allow a more concise view on the system and to support the readers and implementer, two perspectives shall be kept in mind. They have different views on the process but need to interact with each other seamlessly.
\subsection{Taler Exchange (C2EC)}
The perspective of the \textit{Taler Exchange} includes all processes within C2EC component and the interaction with the terminal application, terminal backend and the wallet of the user. The \textit{Taler Exchange} wants to allow withdrawal of digital digital cash only to users who pay the equivalent value to the \textit{Exchange}. The \textit{Exchange} wants to stay out of any legal implications at all costs.
\subsection{Terminal Application}
The perspective of the terminal application includes all processes within the application which interacts with the user, their \textit{Wallet} and credit card allowing the withdrawal of digital cash. The terminal application wants to conveniently allow the withdrawal of digital cash and charge fees to cover its costs and risks.
\subsection{Taler Wallet}
The \textit{Wallet} holds the digital cash owned by the customer. The \textit{Wallet} wants to eventually gather the digital cash from the \textit{Taler Exchange}. The owner of the \textit{Wallet} must therefore present their credit card at a \textit{Terminal} of the terminal provider and pay the \textit{Exchange} as well accept the fees of the provider.
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