Abstract:
The battery (1) of a mobile communication device, especially a mobile phone, has at least one slot (2) for insertion an additional element and has a motion and/or shock sensor (3), and the electric power supply of the slot (2) is connected to the battery (1) via a switch (6) that is activated by a motion and/or shock sensor (3). The switch (6) is timing and connects the slot (2) to voltage for the set time during which the length of the switch (6) closure can be extended by the activity followed by an additional component. The additional element will particularly be the removable memory card (4) of SD or microSD format, or the removable card (5) of SIM format and the slot (2) will have an appropriate interface. The battery can also have a Bluetooth module (7), and the Bluetooth module (7) is adapted to communicate with a host mobile communication device. The removable memory card (4) or the removable card (5) of SIM format can have an antenna to create an additional contactless communication connection, favorably of NFC type. The larger antenna (8) can be wound up directly on the body of the battery (1).
Abstract:
An indifferent payment-terminal application is located in the payer's (6) mobile phone (4). As a response to payer's (6) request, the mobile phone (4) requests the payment terminal configuration data belonging to a desired money recipient (7) from the center (1 ); subsequently, from the indifferent payment terminal, a specific POS (8) payment terminal of the payment recipient's (7) bank (2) is created using the received configuration data. The POS (8) created in this way communicates with the payment card located within the payer's (6) mobile phone circuits and subsequently the payment cryptogram is sent by the payer's (6) mobile phone (4) to the center (1 ) to be processed in the payment recipient's (7) bank (2). POS (8) terminal creates a cryptogram in the form of TC or ARQC or AAC within the payment-terminal application and besides sending it into the center (1 ) it stores it into the memory in the mobile phone (4), which stops the course of the payment-terminal application until a response in the form of ARPC arrives.
Abstract:
The method and system of authentication over a PIN code within a separate identifier (3) during a cashless payment realized over the payment terminal (1) is based on the fact that a unique identification file containing the data on a current payment is sent from the payment terminal (1) to a distance lower than 10 cm into the identifier (3) put to the payment terminal (1). The identifier (3) is supplied with energy (received and/or received and accumulated energy) in a contactless way over the payment terminal's (1) electromagnetic field. The PIN code is assigned to the received identification file in the identifier's (3) processor, the resulting file is signed electronically using the private key stored in the identifier's memory (6) and the electronically signed file thus created is sent to the payment processing centre (2) for the verification of the PIN code's correctness.
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).
Abstract:
An antenna on a removable card An antenna on a removable memory card (1) is intended for the creation of contactless communication channel of the mobile communication device. The antenna is in the form of a high-frequency transformer (2) with an oblong ferrite kernel (3) with resonantly tuned primary winding L1. The emitted signal is brought to the primary winding L1. The secondary winding L2 is left open circuited, without closing the load circuit in a contact way, without ohm load; it emits electrical field with its outputs. The high-frequency transformer (2) can be in the form of auto-transformer with one winding. The signal emitted in the direction towards the removable memory card (1) can be received through the auxiliary winding L3 or through an independent receiving antenna (8). The secondary winding L2 can have a larger number of loops than the primary winding L1 or it can be formed by only one winding in the form of a pipe.
Abstract:
A mobile communication device (4) for contactless payments has two independent chips with Secure Elements (2, 3) on its printed circuit board. One Secure Element (2) contains an indifferent POS payment terminal, the second Secure Element (3) contains a payment card. The Secure Elements (2, 3) are interconnected through a contact circuit (1 ) on the printed circuit board of the mobile communication device (4). In suitable configuration, the circuit (1) will be formed by a contact interface that will enable communication according ISO 7816. An indifferent POS payment terminal is being changed to a specific terminal in accordance with the received configuration data. The payment terminal started on the Secure Element (2) communicates over the circuit (1) with the payment card on the Secure Element (3) using the same process as if it was a payment card inserted in a payment card contact reader. The payment cryptogram can be in a standard form.
Abstract:
A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. 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 (3, 31, 32) or in completely independent secure elements (3, 31, 32). 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 memory card (1) is of SD type or miniSD or microSD card or an M2 card. The memory card (1) is capable of operating operate as a multi-identity terminal and it can also cooperate with several payment cards. In preferable configuration it is equipped with a contactless communication element. (13).
Abstract:
Cashless payment device with prepaid credit contains a block for storage of data about the of current credit amount and is located on the removable memory card (1), which is located in the mobile communication device (4). In case of contactless top-up of electronic money on the pre-paid card, a message, preferably in the form of SMS, with the information about prepared money for the increase of the current credit is sent from the host (2) to the corresponding mobile communication device (4) according to the database of assigned numbers. The authorization request cryptogram, especially in the form of ARQC, is generated in the block on the payment device and the block is switched into the IDLE mode, in which the same authorization request cryptogram is generated permanently until the corresponding authorization response cryptogram is received, especially in the form of ARPC, which is created in the host (2).