CONTACTLESS PAYMENT DEVICE, METHOD OF CONTACTLESS TOP-UP OF ELECTRONIC MONEY ON A PAYMENT DEVICE
    21.
    发明公开
    CONTACTLESS PAYMENT DEVICE, METHOD OF CONTACTLESS TOP-UP OF ELECTRONIC MONEY ON A PAYMENT DEVICE 审中-公开
    无接触支付设备,方法,用于支付设备电子货币联系免费续杯

    公开(公告)号:EP2430620A1

    公开(公告)日:2012-03-21

    申请号:EP10730522.9

    申请日:2010-05-14

    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).

    A COMPUTER MOUSE FOR SECURE COMMUNICATION WITH A MOBILE COMMUNICATION DEVICE
    22.
    发明公开
    A COMPUTER MOUSE FOR SECURE COMMUNICATION WITH A MOBILE COMMUNICATION DEVICE 审中-公开
    计算机鼠标进行安全通信与移动通信设备

    公开(公告)号:EP2401692A1

    公开(公告)日:2012-01-04

    申请号:EP10707356.1

    申请日:2010-02-26

    Abstract: As disclosed herein, a computer mouse (1) may include a contact- less communication element (2) for communication with a mobile communication device (3), such as a mobile phone. The communication element (2) may be a near-field communication (NFC) element, and may be adapted to establish a connection with a secure element (4) for processing data communicated between a computer (5) and the mobile communication device (3). The secure element (4) may be configured in a memory device, which may be located in the computer mouse (1) or on a separate carrier (6). The carrier (6) may be a removable memory card, the insertion of which into a corresponding connector (7) may establish a connection between the communication element (2) and the secure element (4). The communication element (2) may include an antenna, which may be formed on a printed circuit board in the computer mouse (1). A computer mouse (1) as described herein may enable a computer (5) to communicate with a mobile communication device (3) in a secure manner.

    THE ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD
    23.
    发明公开
    THE ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD 审中-公开
    电子支付应用系统和支付授权过程

    公开(公告)号:EP2350942A1

    公开(公告)日:2011-08-03

    申请号:EP09787245.1

    申请日:2009-09-18

    Abstract: The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device (1) contains a virtual POS terminal's unit (4) and also a removable memory card (3), on which there are at least two physically separate secure elements (2) stored. The removable memory card (3) is connected to the secure element (2) containing the secured part of the virtual POS terminal. The mobile communication device (1) and/or the separate portable element (6) is adjusted in such a way to be able to connect to a remote payment procession server. The removable memory card (3) and the separate portable element (6) can be equipped with the NFC communication element. Depending on the user choice, a corresponding secure element (2) with the selected payment card unit (14) is activated on the removable memory card (3). The user's payment card's identification data are supplemented by the payment receiver's identification data and also by a one-time password that was created in the one-time password unit.

    MEMORY CARD CARRIER, THE METHOD OF FIRST DATA STORAGE INTO THE MEMORY CARD
    24.
    发明公开
    MEMORY CARD CARRIER, THE METHOD OF FIRST DATA STORAGE INTO THE MEMORY CARD 有权
    SPEICHERKARTENTRÄGER,DAS VERFAHREN DER ERSTEN DATENSPEICHERUNG AUF DER SPEICHERKARTE

    公开(公告)号:EP2569737A1

    公开(公告)日:2013-03-20

    申请号:EP11727292.2

    申请日:2011-05-09

    Abstract: The carrier of a memory card (2) is in the shape of a flat card (1) with a contact field (6), which is connected to inner circuits of the memory card (2) over a conductive connection (8). Mechanical connection of the memory card (2) with the remaining body of the flat card (1) can be in the form of connection strips (5) that interrupt the snap-out line (3). A conductive connection (8) can run through a connection strip (5). The flat card (1) can be equipped with a foil (9). The flat card (1) can be inserted into an automated device, which operates with it as if it was a standard card with a contact field (6). The user snaps out the memory card (2) from the carrier's body by which the conductive connection (8) is mechanically interrupted. The conductive connection (8) can be deactivated electrically using disconnecter (10).

    Abstract translation: 存储卡(2)的载体是具有接触场(6)的平板卡(1)的形状,其通过导电连接(8)连接到存储卡(2)的内部电路。 存储卡(2)与平板卡(1)的剩余体的机械连接可以是中断卡扣线(3)的连接条(5)的形式。 导电连接(8)可穿过连接条(5)。 平板卡(1)可以装有箔(9)。 平板卡(1)可以插入自动化设备中,如同是具有接触区域的标准卡(6)一样操作。 用户从存储卡(2)中将导电连接(8)机械地中断的载体的主体卡扣。 可以使用断路器(10)使导电连接(8)电动停用。

    METHOD AND SYSTEM OF CONTACTLESS AUTHENTICATION, AND CARRIER OF PIN CODE
    25.
    发明公开
    METHOD AND SYSTEM OF CONTACTLESS AUTHENTICATION, AND CARRIER OF PIN CODE 有权
    PIN码的方法和系统无线认证和运营商元

    公开(公告)号:EP2452300A1

    公开(公告)日:2012-05-16

    申请号:EP10742584.5

    申请日:2010-07-08

    CPC classification number: G06Q20/3278 G06Q20/32 G06Q20/352 G07F7/1091

    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.

    THE SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT
    26.
    发明公开
    THE SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT 审中-公开
    系统VERFAHREN ZUR KONTAKTLOSEN AUTORISIERUNG EINER BEZAHLUNG

    公开(公告)号:EP2347375A1

    公开(公告)日:2011-07-27

    申请号:EP09787243.6

    申请日:2009-09-18

    Abstract: The system consists of a POS terminal (6), a secure element (2), a mobile communication device (1) with a display and a keyboard, such as a mobile phone. The mobile communication device (1) is equipped with a removable memory card (3), in which there are at least two physically separate secure elements (2) located. The mobile communication device (1) is connected to the POS terminal (6) through a contactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The removable memory card (3) contains a NFC communication element (7). The system can also encompass a separate carrier (13) for PIN entering. The carrier (13) is energetically supplied from the field of the received electromagnetic field. During the payment's authorization, the managing unit (4) in the mobile communication device (1) activates a corresponding secure element (2) with the chosen payment card unit (9) on the removable memory card (3). The mobile communication device (1) communicates with the POS terminal (6) through contactless transmission channel (5).

    Abstract translation: 该系统包括POS终端(6),安全元件(2),具有显示器的移动通信设备(1)和诸如移动电话的键盘。 移动通信设备(1)配备有可移动存储卡(3),其中存在至少两个物理上分离的安全元件(2)。 移动通信设备(1)通过非接触传输通道(5)连接到POS终端(6),并且可移动存储卡(3)上的至少一个安全元件(2)包含支付卡单元(9)。 可移动存储卡(3)包含NFC通信元件(7)。 该系统还可以包括用于PIN进入的单独载体(13)。 载体(13)从接收的电磁场的场被能量供给。 在付款授权期间,移动通信设备(1)中的管理单元(4)利用所选择的支付卡单元(9)在可移动存储卡(3)上激活相应的安全元件(2)。 移动通信设备(1)通过非接触式传输信道(5)与POS终端(6)进行通信。

    METHOD AND SYSTEM OF AUTHENTICITY PARTICULARLY AT THE PAYMENTS, IDENTIFIER OF IDENTITY AND/OR APPROVAL
    27.
    发明公开
    METHOD AND SYSTEM OF AUTHENTICITY PARTICULARLY AT THE PAYMENTS, IDENTIFIER OF IDENTITY AND/OR APPROVAL 审中-公开
    方法和系统进行身份验证,尤其是金,标识符身份和/或批准

    公开(公告)号:EP2245582A1

    公开(公告)日:2010-11-03

    申请号:EP08870090.1

    申请日:2008-12-30

    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.

    A REMOVABLE MEMORY CARD WITH AN ANTENNA, ARRANGEMENT OF ITS LEVELS
    29.
    发明公开
    A REMOVABLE MEMORY CARD WITH AN ANTENNA, ARRANGEMENT OF ITS LEVELS 有权
    与天线可拆卸存储卡

    公开(公告)号:EP2577556A1

    公开(公告)日:2013-04-10

    申请号:EP11733704.8

    申请日:2011-06-06

    Abstract: An antenna is located in the body of a removable memory card in such a way that at least one part of the antenna (2) is adjacent to that outer rim (10) of the card, which is near the entrance of the SD card slot after the card is inserted into the slot. The surface of the removable memory card (1) is covered with a ferrite layer (4) and a metal layer (4). The metal layer (4) screens the antenna (2) besides the uncovered zone (9), which is next to the outer rim (10) of the card. The uncovered zone (9) can be formed by a stripe with a width of up to 2 mm. The metal layer (4) can be made of copper or of aluminium and the ferrite layer (3) contains at least 50%, preferably however more that 60% of ferrite. The antenna (2) can be made of conductive loops basically of a rectangular shape, preferably in two separate parts on both sides of a PCB layer (5). The material of the card can contain a powder ferrite with at least 25% volume share. The powder ferrite can be made of ferrite particles having various chemical composition and various shape, preferably with a granularity from 20 μm to 70 μm.

    METHOD AND SYSTEM OF ELECTRONIC PAYMENT TRANSACTION, IN PARTICULAR BY USING CONTACTLESS PAYMENT MEANS
    30.
    发明公开
    METHOD AND SYSTEM OF ELECTRONIC PAYMENT TRANSACTION, IN PARTICULAR BY USING CONTACTLESS PAYMENT MEANS 审中-公开
    方法和系统特别是电子支付交易BY使用非接触式支付手段

    公开(公告)号:EP2449512A2

    公开(公告)日:2012-05-09

    申请号:EP10717837.8

    申请日:2010-04-23

    Abstract: A method of electronic payment transaction is characterized by the fact that during processing of one payment transaction, a communication link (3) between the card (1) and the terminal (2) is interrupted and the ARPC answering file is received to the card (1) after the original communication link (5) is interrupted. Two phases are separated by a reset of the card (1) where in the second phase initial payment data (ARQC) are used. Electronically signed ARQC payment file is stored in the card's (1) memory for at least until the corresponding time ARPC answering file is of received and processed. The solution enables to place the mobile phone with a payment card (1) near to the terminal's (2) reader twice. The first time, a request for on-line authorization is generated and during the second touch the information from the payment processor (5) is recorded into the payment application.

Patent Agency Ranking