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A payment terminal using a mobile communication device, such as a mobile phone

A technology of a mobile communication device and a payment terminal, which can be applied to a prepaid phone system using a credit/debit card, a prepaid phone system using a commercial credit/debit card, a prepaid phone system, etc., and can solve problems such as acceleration , to achieve the effect of improving the utility

Inactive Publication Date: 2012-05-16
SMK CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Existing purpose buttons such as the camera button in mobile phones have only the purpose of speeding up and simplifying access to selected phone functions and it is not necessary to address the security issues of intentional activation of selected functions

Method used

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  • A payment terminal using a mobile communication device, such as a mobile phone
  • A payment terminal using a mobile communication device, such as a mobile phone
  • A payment terminal using a mobile communication device, such as a mobile phone

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0076] In this instance, according to image 3 A solution with two independent security elements 31 , 32 is described. The use of separate hardware secure elements 31, 32 simplifies authorization requirements, which are placed by the individual participants of the payment system (card issuers, clearing center operators) on the secure elements 3, 31, 32 on the storage of their sensitive data . In this example, each secure element 31, 32 is also divided into independent domains, which can be provided to different card issuers and different owners of POS terminal configuration data. The secure elements 31 , 32 are in the form of separate chips located on a circuit board, where they are connected to a controller which fulfills the role of the microcontroller 12 . Their interface towards the controller 12 is ISO 7816. The removable memory card 1 is in the form of a micro SD card. Connected to the microprocessor 12 is an ASIC (Application Specific Integrated Circuit) chip, which...

example 2

[0080] In this example a payment terminal on the platform of a removable payment card 1 of the micro SD type comparable in shape and parameters to a standard micro SD card is described. Such as figure 1 In that way, the payment card 1 has a microcontroller 12 in the form of a 32-bit microprocessor which operates on a multitasking operating system 8 - in this example a Linux system. Flash memory 2 , secure element 3 and SD interface 11 are connected to microcontroller 12 . The microprocessor 12 includes an internal EEPROM memory 10 and a boot loader unit 9 that controls unauthorized intervention in the loaded payment POS terminal application.

[0081] Flash 2 is divided into secure and unprotected sections. In the unprotected part there is a space 15 for freely accessible and visible data of the user and a space 20 for hiding system files, in particular payment transaction records processed by the payment terminal. In the secure area of ​​the memory card there is a unit 8 h...

example 3

[0090] In this example a removable memory card 1 is described which comprises only the minimum set necessary to effect payment. Its structure is in Figure 4 displayed in . Such removable memory cards are only designed to be sold as a prepaid payment card with a pre-entered amount and are intended to be sold eg to tourists from other countries in different currencies. The removable memory card 1 comprises an interface 11 corresponding to the contacts described for micro SD. In the plastic body of the removable memory card 1 there are two security elements 31 , 32 . In the first secure element 31 there is configuration data of the POS terminal generated by the operator of the prepaid card system. In the second secure element 32 there is one-time payment card data. Together with the removable memory card 1, the commercial package also includes a paper carrier with some fields with a corresponding PIN code for managing access to the payment card. When connected to the paymen...

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PUM

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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. a 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).

Description

technical field [0001] The solution relates to a payment terminal located in a mobile communication device, such as a mobile phone. To enable the payment process, this terminal can even communicate through its own communication elements, mainly of the NFC type. The proposed invention also describes a direct debit payment method using a contactless transmission link and describes an arrangement in which a mobile communication device can be used to create a temporary payment terminal with features primarily intended for small shops simplified structure. The solution relates to an increase in security and comfort when paying via a mobile communication device having a removable memory card, for example in the form of a micro SD card. Background technique [0002] Payment terminals permanently located in shops, POS (Point of Sale) terminals are known. The POS terminal works in such a way that the money transfer from the buyer's account to the shop operator's account is secured...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/10G06Q20/20G06Q20/00H04B5/48
CPCG07F7/0886H04M17/026H04W4/24G07F7/1008G06Q20/20G07F7/0826G06Q20/3574G06Q20/353H04M17/103H04M2017/14H04M17/00H04M15/00H04M17/106G06Q20/204H04M17/02H04M2017/12G06Q20/32G06Q20/3576G06Q20/3226
Inventor 米罗斯拉夫·弗洛赖克米夏尔·马萨里克大卫·艾伦·里费尔玛切
Owner SMK CO LTD
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