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

  • US 10,332,087 B2
  • Filed: 11/05/2013
  • Issued: 06/25/2019
  • Est. Priority Date: 05/03/2009
  • Status: Active Grant
First Claim
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1. A point-of-sale (POS) terminal (1), comprising:

  • (a) a mobile communication device (4) including a removable memory card (18), wherein the removable memory card comprises;

    a first secure element (31) storing a POS payment terminal application;

    a second secure element (32) storing payment card data;

    an interface (8) to circuits of said mobile communication device;

    a microcontroller (20); and

    a first near field communication (NFC) element (12) with a first antenna (21);

    wherein the first and second secure elements are connected with the microcontroller and the microcontroller is connected with the interface;

    (b) a merchant sales device terminal (2) that accepts a value of a payment, wherein the merchant sales device terminal comprises;

    a third secure element (6) storing POS payment terminal identification data for a merchant and an encryption key for encryption of communicated date;

    a second NFC element (11) with a second antenna (23); and

    at least one of a Security Authorization Module (SAM) card (24) or on an Integrated Circuit Card (ICC) (9), wherein the third secure element is located on the SAM card or ICC card;

    wherein the POS payment terminal is formed by a contactless NFC connection of the merchant sales device terminal with the removable memory card of the mobile communication device.

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