公开(公告)号：US20140058953A1

公开(公告)日：2014-02-27

申请号：US14072434

申请日：2013-11-05

Applicant: LOGOMOTION S.R.O.

Inventor： Miroslav Florek ,  Michael Masaryk ,  David Alan Riffelmacher

IPC: G06Q20/20

CPC classification number: G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3226 ,  G06Q20/353 ,  G06Q20/3574 ,  G06Q20/3576 ,  G07F7/0826 ,  G07F7/0886 ,  G07F7/1008 ,  H04M15/00 ,  H04M17/00 ,  H04M17/02 ,  H04M17/026 ,  H04M17/103 ,  H04M17/106 ,  H04M2017/12 ,  H04M2017/14 ,  H04W4/24

Abstract: A POS payment terminal (1) using a mobile communication device (4), such as a mobile phone, is created over a temporary connection between the merchant's Sales Device (2) with the removable memory card (18), where the removable memory card (18) is inserted into the customer's slot of the mobile communication device (4). The Sales Device (2) contains a secure memory (6) with the POS terminal's identification data in the form of a SAM card or an ICC card (9) or directly in the form of a secure element on the circuit printed. The payment terminal (1) is created before or during the payment process over a temporary connection between a Sales Device (2) with a mobile communication device (4), which is held by the customer and which has a removable memory card that can have an independent communication element, especially of the NFC type. The payment cryptogram is of standard form, e.g. in the EMV format and it is sent online or offline in batches to the payment processing center (15) according to the amount paid and the preset risk management.

Abstract translation: 使用诸如移动电话的移动通信设备（4）的POS支付终端（1）通过商户的销售设备（2）与可移动存储卡（18）之间的临时连接来创建，其中可移动存储卡 （18）插入到移动通信设备（4）的客户槽中。 销售装置（2）包含安全存储器（6），其POS终端的标识数据为SAM卡或ICC卡（9）的形式，或直接以打印的电路上的安全元件的形式。 支付终端（1）在支付过程之前或期间通过由客户持有的具有移动通信设备（4）的销售设备（2）之间的临时连接创建并且具有可以具有的可移动存储卡 一种独立的通信元件，特别是NFC类型。 付款密码是标准形式，例如 以EMV格式，根据支付的金额和预设的风险管理，在线或离线批量发送到支付处理中心（15）。