Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction

• US 8,583,493 B2
• Filed: 10/06/2010
• Issued: 11/12/2013
• Est. Priority Date: 05/03/2009
• Status: Active Grant

• Current Assignee: SMK Corporation
• Original Assignee: Logomotion, S.R.O.
• Inventors: Florek, Miroslav, Masaryk, Michal, Riffelmacher, David Alan
• Primary Examiner(s): Champagne, Luna
• Application Number:
  US12/898,976
• Publication Number:
  US 20110022482A1
• Time in Patent Office: 1,133 Days
• Field of Search: None
• US Class Current: 705/16
• 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

A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. The configuration data of the terminal'"'"'s selected identity and the payment card'"'"'s data are located in the separate parts of the secure element (3, 31, 32) or in completely independent secure elements (3, 31, 32). The payment card'"'"'s unit (7) with the card'"'"'s payment application is located in the secured part of the memory, separately from the terminal'"'"'s configuration data unit (6). The memory card (1) is of SD type or miniSD or microSD card or an M2 card. The memory card (1) is capable of operating operate as a multi-identity terminal and it can also cooperate with several payment cards. In preferable configuration it is equipped with a contactless communication element. (13).

Claims

1. A point-of-sale (POS) payment terminal, comprising:

a memory, an interface, and a microcontroller connected with the memory and the interface;

a unit that contains a POS payment terminal application; and

a configuration data unit for configuration of a POS payment terminal that contains configuration data corresponding to the payment terminal application, the configuration data being stored in a secured part of the memory,

wherein the POS payment terminal, the payment terminal application and the corresponding configuration data are located on a removable memory card that is configured to be inserted into a hardware slot of a mobile communication device,

wherein the removable memory card includes a first secured memory that contains the configuration data unit and a second secured memory that contains a user'"'"'s payment card unit, and

wherein the payment card unit is located separately from the configuration data, the first and second secure memories are linked to the microcontroller, and the microcontroller is linked to the interface for connection to circuits of the mobile communication device.

2. The payment terminal of claim 1, wherein the first and second secure memories are independent domains of a single secure element.

3. The payment terminal of claim 1, wherein the first secured memory is formed by a first secure element, and the second secured memory is formed by a second secure element on hardware that is separate from the first secure element.

4. The payment terminal of claim 1, wherein the memory card is an SD, miniSD, microSD, or M2 type card, and the interface is an SD or M2 type interface.

5. The payment terminal of claim 1, wherein the memory card has a data bus comprising at least two conductors.

6. The payment terminal of claim 1, wherein the microcontroller contains an undeletable internal memory and a boot-loader unit for unauthorized interventions control in the POS payment terminal application.

7. The payment terminal of claim 1, wherein the memory card is equipped with a contactless communication element that is connected to a secure element and/or to the microcontroller.

8. The payment terminal of claim 7, wherein the memory card contains an antenna that is connected to a contactless communication element.

9. The payment terminal of claim 1, wherein the secure element contains at least two units with configuration data from different independent terminals.

10. The payment terminal of claim 1, wherein the secure element contains at least two units containing independent payment cards with corresponding payment applications.

11. The payment terminal of claim 1, wherein the memory has a secure portion wherein the payment terminal application is stored.

12. The payment terminal of claim 1, wherein the memory contains a memory controller unit, a download management unit, and a web server unit.

13. The payment terminal of claim 1, wherein the secure element contains a non-financial application unit.

14. The payment terminal of claim 1, wherein the memory has a space that contains data that is inaccessible by the user of the mobile communication device, and a space that contains data that is freely accessible by the user.

15. The payment terminal of claim 1, further comprising an initiator of the POS payment terminal application, and a unit for generating a value associated with a payment,

wherein the initiator contains a communication element that is compatible with the communication element on the removable memory card or with a short-distance communication element of the mobile communication device.

16. A method for direct debit payment transaction, the method comprising:

providing a point-of-sale (POS) payment terminal application on a removable memory card that is inserted into a hardware slot of a mobile communication device; and

executing the POS payment terminal application on the mobile communication device;

wherein the removable memory card contains a user'"'"'s payment card unit, and communication with the payment card unit occurs via circuits of the removable memory card.

17. The method of claim 16, wherein the POS payment terminal application is loaded into a microcontroller located in the memory card, and, subsequently, configuration data associated with a selected payment terminal are loaded from a secure element.

18. The method of claim 17, wherein the configuration data are loaded from a secure element into the microcontroller, which then operates as a payment terminal.

19. The method of claim 18, further comprising initiating the POS payment terminal application, wherein, before or during initiation of the POS payment terminal application, a boot-loader unit runs a change control in the POS payment terminal application.

20. The method of claim 16, wherein the POS payment terminal application is managed through an input device of the mobile communication device.

21. The method of claim 16, wherein data associated with a requested payment amount are loaded into the POS payment terminal application from a separate initiator that sends the data associated with the required payment, along with an initiation command, over a contactless communication channel.