Process of selling in electronic shop accessible from the mobile communication device

• US 9,098,845 B2
• Filed: 11/30/2010
• Issued: 08/04/2015
• Est. Priority Date: 09/19/2008
• Status: Active Grant

• Current Assignee: SMK Corporation
• Original Assignee: Logomotion, S.R.O.
• Inventors: Florek, Miroslav, Masaryk, Michal
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US12/957,130
• Publication Number:
  US 20110196796A1
• Time in Patent Office: 1,708 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures

Abstract

The process encompasses the communication between trade system accessible over GUI of the mobile communication device (4), when after the item being purchased is selected, the acquirer'"'"'s (12) identification is loaded from the removable memory card (1). The acquirer'"'"'s (12) identification is sent to the trade system'"'"'s (2) headquarters, where after it is approved, the transaction payment parameters are created and these enter the removable memory card (1) as an initiator of the payment terminal application. The payment terminal application runs on the removable memory card (1) and it creates a payment cryptogram. This one is sent into the trade system'"'"'s (2) headquarters, where it can be handled as a common cryptogram of usual POS terminals. The process can encompass even a preparation and pre-preparation phase, thanks to which corresponding applications of individual participants of the system are installed, configured and activated. The online payment can preferably realize even the reset of the counter on the payment device.

Claims

1. A method for purchasing from an electronic store that is accessible from a mobile communication device via a mobile data network, wherein purchased items are downloaded from a trade system'"'"'s headquarters into the mobile communication device, the method comprising:

sending an activation command to a removable memory card in the mobile communication device in response to the selection of an item to be purchased from the electronic store, the removable memory card including payment terminal data and applications for implementing a payment terminal, payment card data and applications associated with a payment card issued by a payment card issuer, and configuration data;

transferring identification data associated with an acquirer from a portion of the removable memory card storing the configuration data to a portion of the memory card storing the payment terminal data;

sending identification data associated with the acquirer via the mobile network from the mobile communication device to the trade system'"'"'s headquarters;

receiving a determination that the identification data associated with the acquirer corresponds to identification data associated with a permitted acquirer that are stored at the trade system'"'"'s headquarters and receiving a set of payment parameters initialized for a transaction by the payment terminal in the mobile communication device,

the mobile communication device processing the received payment parameters,

creating a payment cryptogram on the removable memory card using a master key associated with the payment card issuer of the payment card, and

sending the payment cryptogram to the trade system'"'"'s headquarters for evaluation.

2. The method of claim 1, further comprising:

requiring a user of the mobile communication device to enter a correct password before the activation command is sent to the removable memory card.

3. The method of claim 1, wherein the evaluation of the payment cryptogram comprises decrypting the payment cryptogram using a public key associated with the acquirer and subsequent evaluation of the decrypted cryptogram according to rules of online or offline payment.

4. The method of claim 3, wherein the decrypted cryptogram is evaluated as an offline decline or confirmation of a payment and a user is informed about an unsuccessful or successful result of a requested purchase on a display of the mobile communication device.

5. The method of claim 3, wherein, after the evaluation of the cryptogram, an authorization request cryptogram (ARQC) task is sent to the payment card issuer from the trade system'"'"'s headquarters,

wherein an authorization request cryptogram (ARPC) response file, which is encrypted by a private key associated with the acquirer, is created at the payment card issuer and sent to the trade system'"'"'s headquarters, and

wherein the encrypted ARPC response file is decrypted in the trade system'"'"'s headquarters using a public key associated with the acquirer, and the decrypted ARPC response file, in the form of an application authentication cryptogram (AAC) decline or a transaction certificate (TC) approval, is sent into the mobile communication device.

6. The method of claim 5, wherein, after an approval of online payment in the form of an ARPC is received by the mobile communication device, the payment terminal causes a counter on the removable memory card to be reset.

7. The method of claim 1, wherein, during a preparation phase, a payment terminal application located on the removable memory card is installed, and personal data associated with a user is entered either during or after the installation of the payment terminal application.

8. The method of claim 7, wherein, during the preparation phase, the removable memory card is paired with the mobile communication device over a SIM card or a phone number.

9. The method of claim 7, wherein user data entered during the installation of the payment terminal application are available to be transferred to the trade system'"'"'s headquarters during subsequent installation and registration of an application for communication with the trade system.

10. The method of claim 7, wherein user data entered during installation of the payment terminal application are ready to be transferred into the trade system'"'"'s headquarters during the following installation and registration of the application for the communication with the trade system.

11. The method of claim 1, wherein, during a preparation phase, software devices associated with the payment card issuer are stored to the removable memory card.

12. The method of claim 1, wherein, during a preparation phase, software devices associated with the trade system'"'"'s operator are stored to a trade application installation unit on the removable memory card.

13. The method of claim 1, wherein, during a preparation phase, software devices associated with the trade system'"'"'s operator are stored to the configuration data on the removable memory card.

14. The method of claim 1, wherein the removable memory card encrypts stored data.

15. The method of claim 1, wherein the acquirer provides a received payment cryptogram for settlement between a bank associated with the trade system and the issuer of the payment card or a bank associated with a user.

16. The method of claim 1, wherein a user is enabled to control an installation run of the removable memory card with the payment terminal over a graphical user interface of the mobile communication device.

17. The method of claim 1, wherein software associated with the acquirer is activated after the removable memory card is first inserted into the mobile communication device.

18. The method of claim 1, wherein an activation of the removable memory card in the mobile communication device causes a preferential presetting of a payment process using a payment terminal associated with the acquirer.

19. The method of claim 1, wherein, after a payment hardware button on the mobile communication device is pressed, the removable memory card switches into an access mode for the payment function wherein access to the payment card is allowed, and

wherein, before the payment hardware button on the mobile communication device is pressed, the removable memory card is in an access mode for a memory capacity extension function and the payment card is inaccessible.

20. The method of claim 19, wherein, if the payment process is ended and/or interrupted while the removable memory card is in the access mode for the payment function, the removable memory card switches into the access mode for the memory capacity extension function.