SYSTEMS AND METHODS FOR CONTACTLESS PAYMENT AUTHORIZATION
3 Assignments
0 Petitions
Accused Products
Abstract
The method and system of authentication of authorized person and transaction approval principally at the direct debits by means of a mobile communication device (2) is based on the fact that an alphanumerical chain is sent from the mobile communication device (2) into energy passive identifier (3) approached to the mobile communication device (2), the identifier (3) is supplied contact free by electromagnetic field of the mobile communication device (2) while in the identifier the received alphanumerical chain is signed electronically and in such signed alphanumerical chain is sent back into the mobile communication device (2). Payment approval is realized by the correctness approval of the electronically signed alphanumerical chain and by approaching the mobile communication device (2) to the payment terminal (1). The invention enables to use a high level of cryptography security by using a passive identifier (3) which does not demand own energy source.
194 Citations
28 Claims
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1-8. -8. (canceled)
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9. A method for contactless payment authorization, the method comprising:
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initiating a payment process in a mobile communication device; communicating an alphanumeric string from the mobile communication device into an identifier located sufficiently near to the mobile communication device such that the identifier is supplied with energy from an electromagnetic field of the mobile communication device; electronically signing the received alphanumeric string in the identifier; sending the electronically signed alphanumeric string to the mobile communication device; verifying the electronically signed alphanumeric string in the mobile communication device; and placing the mobile communication device sufficiently near to the payment terminal to realize a payment. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A system for contactless payment authorization, the system comprising:
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an identifier; and a mobile communication device that communicates with a payment terminal over a near-field communication channel, wherein the mobile communication device is equipped with a transmitting and receiving element for contactless communication with the identifier, and wherein the identifier is supplied with electrical energy from an electromagnetic field of the mobile communication device and comprises a processor for electronically signing a received alphanumeric string, a transmitting and receiving element for communication with the mobile communication device, a block for transforming the electromagnetic field into the electrical energy, and a memory. - View Dependent Claims (18, 19, 20, 21, 22)
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23. An identifier for use in a contactless payment authorization system, the identifier for use with a mobile communications device in contactless communication with a payment terminal, the identifier comprising:
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a processor for electronically signing an identifying code received from the mobile communications device; a transmitting and receiving unit for communicating with the mobile communication device, the transmitting and receiving unit for receiving the identifying code and transmitting the electronically signed identifying code; a memory that contains a stored identification number and a key for use in electronically signing the received identifying code; a block for transforming an electromagnetic field of the mobile communication device into electrical energy that is supplied to the processor, the transmitting and receiving unit, and to the memory. - View Dependent Claims (24, 25, 26, 27, 28)
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Specification