SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT
3 Assignments
0 Petitions
Accused Products
Abstract
The system consists of a POS terminal (6), a secure element (2), a mobile communication device (1) with a display and a keyboard, such as a mobile phone. The mobile communication device (1) is equipped with a removable memory card (3), in which there are at least two physically separate secure elements (2) located. The mobile communication device (1) is connected to the POS terminal (6) through a contactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The removable memory card (3) contains a NFC communication element (7). The system can also encompass a separate carrier (13) for PIN entering. The carrier (13) is energetically supplied from the field of the received electromagnetic field. During the payment'"'"'s authorization, the managing unit (4) in the mobile communication device (1) activates a corresponding secure element (2) with the chosen payment card unit (9) on the removable memory card (3). The mobile communication device (1) communicates with the POS terminal (6) through contactless transmission channel (5).
-
Citations
33 Claims
-
1-13. -13. (canceled)
-
14. An electronic payment applications system, comprising:
-
a point-of-sale (POS) terminal connected to a payment processing server; and a mobile communication device comprising a removable memory card on which there are located at least two physically separate secure elements, each of the secure elements having a respective payment card unit associated with a respective method of payment, and a virtual POS managing unit configured to exclusively activate a one of the secure elements having a payment card unit that corresponds to a chosen method of payment, wherein the mobile communication device is connectable via a contactless communication channel to the POS terminal for authorization of a payment. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
-
-
24. A payment authorization method during contactless payment operation while using a point-of-sale (POS) terminal and a mobile communication device, the method comprising:
-
activating, via a managing block in the mobile communication device, a corresponding secure element with a selected payment card block on a removable memory card; and establishing a communication between the mobile communication device and the POS terminal through the contactless transmission channel. - View Dependent Claims (25, 26, 27, 28)
-
-
29. A mobile communication device, comprising:
-
a removable memory card on which there are located at least two physically separate secure elements, each of the secure elements having a respective payment card unit associated with a respective method of payment, and a virtual POS managing unit configured to exclusively activate a one of the secure elements having a payment card unit that corresponds to a chosen method of payment, wherein the mobile communication device is connectable via a contactless communication channel to a point of sale (POS) terminal for authorization of a payment. - View Dependent Claims (30, 31, 32, 33)
-
Specification