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:
Antenna system has at least one spiral antenna (1) and at least one solenoid antenna (2) with a magnetic core. The solenoid antenna (2) is placed against the flat spiral antenna (1) in such a way that the groundplan of the solenoid antenna (2) at least partially overlaps the respective strip (3) and the respective strip (3) and the groundplan of the solenoid antenna (2) are symmetrically centered in order to achieve the match of their axes without significant deviation. The solenoid antenna (2) is placed in the plane of the flat spiral antenna (1) or on the flat spiral antenna (1) or under the flat spiral antenna (1). The antenna system can include two solenoid antennas (2, 22) where the second solenoid antenna (22) is placed on the second strip (3) and mutually they form a topology shaped "II" or "L". The output from the receiving flat spiral antenna (1) is connected to the phase modulator of the transmitting solenoid antenna (2) and the transmission of the solenoid antenna (2) is synchronized with the signal simultaneously received on the receiving flat spiral antenna (1).
Abstract:
Two solenoid antennas (2, 3) with a ferrite core are placed mutually in parallel and outside the groundplan of the flat spiral antenna (1). Longitudinal axes (4) of the solenoid antennas (2, 3) are in parallel with the lateral sides of the flat spira antenna (1) and the distance between the longitudinal axes (4) of the solenoid antennas (2, 3) is 0,5 to 1,25 times the width of the flat spiral antenna (1) at most. The middle of the flat spira antenna (1) lies in a zone defined by the prolonged longitudinal axes (4) of the solenoid antennas (2, 3). The solenoid antennas (2, 3) are connected to the same output of the excitation element; preferably the solenoid antennas (2, 3) are identical. The flat spiral antenna (1) can be connected to the NFC chip (7) thorugh the low noise amplifier (6). The solenoid antennas (2, 3) can be on one side of the printed circuit board (5) and the flat spiral antenna (1) can be on the opposite side of the printed circuit board (5).
Abstract:
Part of the conductive loop of the threads is formed by a printed circuit on the substrate (5), where the group of the conductive strips (2) placed side by side is produced, and the core (1) is placed on them. The conductive strips (2) overhang from the groundplan of the core (1) and the ends of the conductive strips (2) overhanging on both sides of the core (1) form the connecting surfaces (4). The wires (3) shaped for the encirclement of the core (1) are connected to the connecting surfaces (4), whereby the wire (3) connects a connecting surface (4) of one conductive strip (2) with the connecting surface (4) on the opposite end of the neighboring conductive strip (2). After bonding to one end of the conductive strip (2) the wire is shaped above the substrate (5) by bending in such a way that it arches over the space intended for the core (1) and all wires (3) are shaped in such a way that they produce a channel for the core (1) placed on the substrate (5). The conductive strips (2) are sloped from the normal of the core (1) under an angle pursuant to the pitch of the thread and the wires (3) are led in the opposite slope under the same angle.
Abstract:
The antenna system has a solenoid antenna (2) with the ferrite core and the flat spiral antenna (1 ) with the quadrilateral shape of the loop. Each antenna (1, 2) has its own impedance matching (3). Antennas (1, 2) are placed in the same basic plane or in the mutually parallel basic planes and the longitudinal axes (4) of both antennas (1, 2) are parallel. The solenoid antenna (2) has a length which corresponds to the length of the flat spiral antenna (1 ). The magnetic middle of the flat spiral antenna (1 ) lies in the identical middle plane with the magnetic middle of the solenoid antenna (2). The distance between the longitudinal axis (4) of the solenoid antenna (2) and the longitudinal axis (4) of the flat spiral antenna (1 ) is at least 0,75 times the length of the solenoid antenna (2), preferably it has the value of the length of the solenoid antenna (2). The output from the receiving flat spiral antenna (1 ) is connected to the phase modulator (5) of the transmitting solenoid antenna (2) and the transmission of the solenoid antenna (2) is synchronized with the signal which is at the same time received by the receiving flat spiral antenna (1 ).
Abstract:
The emitter is intended to provide a contactless communication channel (particularly RFID/NFC) in miniature build space. The emitter has an oblong, at least partially ferrite core (1), the core (1) is winded up by a wire (4) with at least two threads (2), the threads (2) are on the core (1) placed tightly next to each other and the effective width (w)of one thread (2) corresponds to the radius of the core (1) in the circular core (1) cross-section, or corresponds to the equivalent radius in other shapes of the core (1) with deviation up to +-75%. The wire (4) of the coil is flat, or the coil includes several wires held parallel to each other (41 to 4N) forming a multi-stage thread. The emitter can be placed in the removable memory card (5) and/or on the PCB board (10) and/or SIM card (9) and/or battery (11). Modulation of data transmitted by the emitter uses electromagnetic wave generator with a frequency different from the receiver, difference of these frequencies corresponds to the subcarrier frequency.
Abstract:
The payment card, apart from a chip with the common payment card unit, also contains a second chip with an indifferent POS payment terminal, which becomes a specific POS terminal on behalf of the payments recipient after connection with the reader of the payments recipient. These two chips on the payment card are connected in a contact way. The reader contains the common POS terminals identification data which are sent 10 to the payment card of the customer, where they are moved to the second chip for the configuration of the POS terminal. Then on the payment card, the payment-terminal application is realized as if it were a common POS with the inserted card in a contact way, using the payment account data from the first chip. The payment cryptogram generated in the other chip on the payment card is sent to the reader for payment processing on 15 behalf of the reader-holder (merchant).
Abstract:
The process encompasses the communication between trade system accessible over GUI of the mobile communication device (4), when after the item being purchased is selected, the acquirer's (12) identification is loaded from the removable memory card (1). The acquirer's (12) identification is sent to the trade system's (2) headquarters, where after it is approved, the transaction payment parameters are created and these enter the removable memory card (1) as an initiator of the payment terminal application. The payment terminal application runs on the removable memory card (1) and it creates a payment cryptogram. This one is sent into the trade system's (2) headquarters, where it can be handled as a common cryptogram of usual POS terminals. The process can encompass even a preparation and pre-preparation phase, thanks to which corresponding applications of individual participants of the system are installed, configured and activated. The online payment can preferably realize even the reset of the counter on the payment device.
Abstract:
Removable card for a contactless communication contains an antenna (4) formed of threads (10) placed on the external surface of the body (1) of the card and covered by a layer (7) of a ferromagnetic material. In advantageous adjustment the antenna (4) contains on one area (2) of the card eight threads (10) and both areas (2) of the card are covered by a layer (7) of a ferritic foil. The antenna (4) is connected to the series with element (12) with capacity and the resistance (11) on the other side. Resonant circuit is tuned in for the final frequency from 13.0 to 15.0 MHz. The signal from the antenna (4) is read between the first and the second thread (10) from the side of the element (12) with capacity. The production method for the antenna on the body of the removable card resides in the fact that a groove of the conductive path (5) shape is dredged on the surface of the card's body (1), the groove is filled with a conductive material and a ferromagnetic material layer (7) is applied on the surface of the area (2) covering the antenna (4).