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

• US 8,606,711 B2
• Filed: 10/06/2010
• Issued: 12/10/2013
• Est. Priority Date: 05/03/2009
• Status: Active Grant

• Current Assignee: SMK Corporation
• Original Assignee: Logomotion, S.R.O.
• Inventors: Florek, Miroslav, Masaryk, Michal
• Primary Examiner(s): CHEUNG, CALVIN K
• Application Number:
  US12/899,378
• Publication Number:
  US 20110112968A1
• Time in Patent Office: 1,161 Days
• Field of Search: 705/14.23, 705/41, 705/73
• US Class Current: 705/41
• 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 (4), such as a mobile phone, is located on a removable memory card (1), e.g. type microSD card, which is adjusted in such a way so it can be inserted into an additional hardware slot, e.g. memory slot. A payment POS terminal application runs on a removable memory card (1), which contains at least one payment card. 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 configuration data of the terminal'"'"'s selected identity and the payment card'"'"'s data are located in the separate parts of the secure element or in completely independent secure elements or they can also be localized in the Sales Device of the merchant and there e.g. within the ICC card (29) or SAM card (42).

Claims

1. A payment terminal using a mobile communication device, the payment terminal comprising:

a memory having at least one secured part for storing the payment terminal'"'"'s configuration data and for separately storing a payment card unit with a payment terminal application;

an interface; and

a microcontroller connected with the secured part of the memory and through the interface to the mobile communication device'"'"'s circuits,

wherein the payment terminal, along with the payment terminal'"'"'s corresponding configuration data, is located on a removable memory card owned by the customer, the removable memory card being configured to be inserted into a hardware slot that is used to add functionalities that surpass the basic functions of the mobile communication device, the memory card including a contactless communication element,

the payment terminal further comprising;

an initiator of the payment terminal application including an initializing file that is provided to the memory card to launch the payment terminal application, the initiator being located in the memory and containing a unit generating the payment'"'"'s value, wherein the initiator is owned by the merchant receiving the payment, the initiator being equipped with a communication element that is compatible with the contactless communication element on the removable memory card.

2. The payment terminal as in claim 1, wherein the secured part of the memory for storing the payment terminal'"'"'s configuration data and the payment card unit is formed as independent domains of one secure element, or the secured part of the memory for storing the payment terminal'"'"'s configuration data is formed by a first secure element that is a separate piece of hardware from a second secure element that stores the payment card unit.

3. The payment terminal as in claim 1, wherein the removable memory card is of the SD type, miniSD type, microSD type, or M2 type, and the interface is of the SD type or M2 type.

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

5. The payment terminal as in claim 1, wherein the contactless communication element in the memory card is connected to the secured part of the memory or to the microcontroller, and wherein the memory card includes an antenna thereon that is connected to the contactless communication element.

6. The payment terminal as in claim 1, wherein in the secured part of the memory there are at least two units with configuration data from different independent payment terminals.

7. The A payment terminal as in claim 1, wherein in the secured part of the memory there are at least two units holding independent payment cards with corresponding payment applications.

8. The payment terminal as in claim 1, wherein in the secured part of the memory there is a non-financial application unit.

9. The payment terminal as in claim 1, wherein the communication element of the initiator is compatible with a short distance communication element of the mobile communication device.

10. A method of performing a direct debit payment transaction using a mobile communication device that runs a payment terminal application, comprising:

the payment terminal application running on a removable memory card that is inserted into the mobile communication device'"'"'s slot for additional hardware,

the payment terminal application being initiated by an initiator including an initializing file that is provided to the memory card to launch the payment terminal application and including a unit generating the value of the direct debit payment transaction, and

the initiator communicating with a payment card using the removable memory card'"'"'s circuits,

wherein the payment terminal application is loaded into a microcontroller located in the memory card, and subsequently configuration data of the loaded payment terminal application are loaded from a secure element of the memory card.

11. The method of performing a direct debit payment transaction as in claim 10, wherein during or before initiation of a payment transaction a boot-loader unit runs change control in the payment terminal application.

12. The method of performing a direct debit payment transaction as in claim 10, wherein data representing the amount of a requested payment are inserted into the payment terminal application from the initiator, the initiator sending the data representing the requested payment, along with an initiation command, over a contactless communication channel to the payment card.