CONFIGURATION WITH THE PAYMENT BUTTON IN THE MOBILE COMMUNICATION DEVICE, THE WAY THE PAYMENT PROCESS IS STARTED

• US 20110021175A1
• Filed: 10/06/2010
• Published: 01/27/2011
• Est. Priority Date: 05/03/2009
• Status: Active Grant

• Current Assignee: SMK Corporation
• Original Assignee: Logomotion, S.R.O.
• Inventors: MASARYK, Michal, FLOREK, Miroslav
• Granted Patent: US 8,406,809 B2
• Time in Patent Office: Days
• US Class Current: 455/410
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G07F 7/0826 Embedded security module
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/026 Constructional features
• CPC Class Codes: H04M 17/103 using SIMs (USIMs) or calling cards
• CPC Class Codes: H04M 17/106 using commercial credit or debit cards
• CPC Class Codes: H04M 2017/12 using calling, telephone credit/debit cards
• CPC Class Codes: H04M 2017/14 using commercial credit/debit cards, e.g. VISA, AMEX
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

On the interface side (7), a removable memory card (2), on which at least one payment card unit is located (5), appears to be a removable memory card (2) for the extension of the mobile communication device'"'"'s (4) memory capacity up till the moment when the payment purpose button (1) is physically pressed. Then the removable memory card (2) switches into the payment function'"'"'s access mode and is made accessible on its interface (7) as a card with a Secure Element (3) having at least one payment card unit (5). After the termination and/or interruption of the payment process, the removable memory card (2) switches into the access mode for the memory capacity extension function of the mobile communication device (4). This configuration and method increase the security of the payment process while retaining high level of manipulation comfort. At the mobile communication device with a payment purpose button (1) it is possible to switch the access mode exclusively by physical press of the hardware payment button (1) by which the unauthorized start of the payment application without the user'"'"'s knowledge is prevented.

Claims

1. A removable memory card for use in a mobile communication device (4) having a hardware payment button (1), the removable memory card (2) comprising:

a secure element (3);

a contactless communication element (8);

a payment card unit (5); and

a memory (13),

wherein the removable memory card has a first access mode for extension of a memory capacity of the mobile communication device (4) in which access to the secure element (3) and to the contactless communication element (8) is blocked, and

a second access mode for a payment function of the removable memory card (2) with authorized access to the secure element (3) with the payment card unit (5), wherein the second access mode is active only after a physical press of the hardware payment button (1).

2. The removable memory card of claim 1, further comprising a payment terminal unit (6) that is accessible exclusively in the second access mode.

3. The removable memory card of claim 1, further comprising an antenna (12) connected to the contactless communication element (8).

4. The removable memory card of claim 1, wherein the removable memory card (2) is an SD or microSD card.

5. The removable memory card of claim 1, wherein the communication element (8) is a near-field communication (NFC) element.

6. A system for contactless payment, the system comprising:

a mobile communication device (4) having a hardware payment button (1); and

a removable memory card (2) comprising a secure element (3), a contactless communication element (8), a payment card unit (5), and a memory (13),

wherein the removable memory card has a first access mode for extending a memory capacity of the mobile communication device (4), wherein access to the secure element (3) and to the contactless communication element (8) is blocked, and

a second access mode for a payment function of the removable memory card (2) with authorized access to the secure element (3) with the payment card unit (5), wherein the second access mode is active only after a physical press of the hardware payment button (1).

7. The system of claim 6, wherein the removable memory card further comprises a payment terminal unit (6) that is accessible exclusively in the second access mode.

8. The system of claim 6, wherein the removable memory card further comprises an antenna (12) connected to the contactless communication element (8).

9. The system of claim 6, wherein the mobile communication device (4) is adapted to block emulation of a signal from the payment button (1) on an impulse from another input to the mobile communication device (4).

10. The system of claim 6, wherein the removable memory card (2) is an SD or microSD card.

11. The system of claim 6, wherein the communication element (8) is a near-field communication (NFC) element.

12. A method for starting a payment process from a mobile communication device (4) having a hardware payment button (1), the method comprising:

communicating between the mobile communication device (4) and an interface (7) of a removable memory card (2) inserted into the mobile communication device (4), the removable memory card (2) having a payment card unit (5),

wherein, before the payment process is started, the removable memory card (2) is in a first access mode for extending a memory capacity of the mobile communication device (4) in which the payment card unit (5) is inaccessible from a side of interface (7), and

wherein, after a physical press of the hardware payment button (1), the removable memory card (2) switches into a second access mode for a payment function of the removable memory card (2) with allowed access to the payment card unit (5).

13. The method of claim 12, wherein the removable memory card (2) comprises a secure element (3) with a payment terminal unit (6) that is accessible only after the removable memory card (2) is switched into the second access mode.

14. The method of claim 12, wherein, after the payment process is ended or interrupted, the removable memory card (2) switches back into the first access mode.

15. The method of claim 12, wherein the removable memory card further comprises an antenna (12) connected to the contactless communication element (8).

16. The method of claim 12, further comprising blocking an emulation of a signal from the payment button (1) on an impulse from another input to the mobile communication device (4).

17. The method of claim 12, wherein the removable memory card (2) is an SD or microSD card.

18. The method of claim 12, wherein the communication element (8) is a near-field communication (NFC) element.