ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD
3 Assignments
0 Petitions
Accused Products
Abstract
The system contains a virtual POS terminal'"'"'s unit in the user'"'"'s personal device. The mobile communication device (1) contains a virtual POS terminal'"'"'s unit (4) and also a removable memory card (3), on which there are at least two physically separate secure elements (2) stored. The removable memory card (3) is connected to the secure element (2) containing the secured part of the virtual POS terminal. The mobile communication device (1) and/or the separate portable element (6) is adjusted in such a way to be able to connect to a remote payment procession server. The removable memory card (3) and the separate portable element (6) can be equipped with the NFC communication element. Depending on the user choice, a corresponding secure element (2) with the selected payment card unit (14) is activated on the removable memory card (3). The user'"'"'s payment card'"'"'s identification data are supplemented by the payment receiver'"'"'s identification data and also by a one-time password that was created in the one-time password unit.
187 Citations
38 Claims
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1-18. -18. (canceled)
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19. An electronic payment applications system, comprising:
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a remote payment processing server; a mobile communication device comprising a display, a keyboard, a managing block for a virtual point-of-sale (POS) terminal, and a removable memory card; and at least two physically separate secure elements that are connected to the managing block, wherein a secured part of the virtual POS terminal is located in one of the secure elements and is connected to the managing block, wherein the secure elements are located on the removable memory card or in a separate portable element that is linked to the mobile communication device, and the mobile communication device and/or the separate portable element is adapted to be connected to the remote payment processing server. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. A payment authorization method for realizing a payment to an internet shop via a mobile communication device, the payment being processed on a remote payment processing server, the method comprising:
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activating, according to a user selection, a corresponding secure element having a payment card block on a removable memory card or separate portable element associated with the mobile communication device; adding to payment card identification data associated with the user, a payment receiver'"'"'s identification data and a one-time password generated from a personal identification number (PIN) entered in a one-time password block on the removable memory card; electronically signing the payment receiver'"'"'s identification data and one-time password; and sending the electronically signed payment receiver'"'"'s identification data and one-time password to the payment processing server. - View Dependent Claims (30, 31, 32, 33, 34)
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35. A mobile communications device for use in an electronic payment applications system, the mobile communication device comprising:
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a managing block for a virtual point-of-sale (POS) terminal, and a removable memory card, wherein on the removable memory card there are located at least two physically separate secure elements that are connected to the managing block, a secured part of the virtual POS terminal is located in one of the secure elements and is connected to the managing block, and the mobile communication device is adapted to be connected to a remote payment processing server. - View Dependent Claims (36, 37, 38)
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Specification