POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone
First Claim
1. A point-of-sale (POS) terminal (1), comprising:
- (a) a mobile communication device (4) including a removable memory card (18), wherein the removable memory card comprises;
a first secure element (31) storing a POS payment terminal application;
a second secure element (32) storing payment card data;
an interface (8) to circuits of said mobile communication device;
a microcontroller (20); and
a first near field communication (NFC) element (12) with a first antenna (21);
wherein the first and second secure elements are connected with the microcontroller and the microcontroller is connected with the interface;
(b) a merchant sales device terminal (2) that accepts a value of a payment, wherein the merchant sales device terminal comprises;
a third secure element (6) storing POS payment terminal identification data for a merchant and an encryption key for encryption of communicated date;
a second NFC element (11) with a second antenna (23); and
at least one of a Security Authorization Module (SAM) card (24) or on an Integrated Circuit Card (ICC) (9), wherein the third secure element is located on the SAM card or ICC card;
wherein the POS payment terminal is formed by a contactless NFC connection of the merchant sales device terminal with the removable memory card of the mobile communication device.
2 Assignments
0 Petitions
Accused Products
Abstract
A POS payment terminal (1) using a mobile communication device (4), such as a mobile phone, is created over a temporary connection between the merchant'"'"'s Sales Device (2) with the removable memory card (18), where the removable memory card (18) is inserted into the customer'"'"'s slot of the mobile communication device (4). The Sales Device (2) contains a secure memory (6) with the POS terminal'"'"'s identification data in the form of a SAM card or an ICC card (9) or directly in the form of a secure element on the circuit printed. The payment terminal (1) is created before or during the payment process over a temporary connection between a Sales Device (2) with a mobile communication device (4), which is held by the customer and which has a removable memory card that can have an independent communication element, especially of the NFC type. The payment cryptogram is of standard form, e.g. in the EMV format and it is sent online or offline in batches to the payment processing center (15) according to the amount paid and the preset risk management.
-
Citations
7 Claims
-
1. A point-of-sale (POS) terminal (1), comprising:
-
(a) a mobile communication device (4) including a removable memory card (18), wherein the removable memory card comprises; a first secure element (31) storing a POS payment terminal application; a second secure element (32) storing payment card data; an interface (8) to circuits of said mobile communication device; a microcontroller (20); and a first near field communication (NFC) element (12) with a first antenna (21); wherein the first and second secure elements are connected with the microcontroller and the microcontroller is connected with the interface; (b) a merchant sales device terminal (2) that accepts a value of a payment, wherein the merchant sales device terminal comprises; a third secure element (6) storing POS payment terminal identification data for a merchant and an encryption key for encryption of communicated date; a second NFC element (11) with a second antenna (23); and at least one of a Security Authorization Module (SAM) card (24) or on an Integrated Circuit Card (ICC) (9), wherein the third secure element is located on the SAM card or ICC card; wherein the POS payment terminal is formed by a contactless NFC connection of the merchant sales device terminal with the removable memory card of the mobile communication device. - View Dependent Claims (2)
-
-
3. A method of performing a direct debit payment transaction using a mobile communication device, comprising:
-
creating a payment terminal before or during a payment process by a temporary contactless connection of a merchant sales device terminal that accepts a value of a payment and has at least one secured section that stores point-of-sales (POS) payment terminal identification data for a merchant, said identification data serving to match the merchant'"'"'s sales device terminal to a merchant'"'"'s bank account, with a mobile communication device including a removable memory card storing a POS payment terminal application, the removable memory card inserted into said mobile communication device to run said POS payment terminal application and having an interface for connection to said mobile communication device, said mobile communication device being held by a customer, and performing a direct debit payment transaction in favor of the merchant according to the identification data loaded into the removable memory card during its temporary contactless connection with the merchant'"'"'s sales device terminal. - View Dependent Claims (4, 5, 6, 7)
-
Specification