The system and method of contactless authorization of a payment

Details The system and method of contactless authorization of a payment The system and method of contactless authorization of a payment

G - Physics

06

Q

G06Q 20/00 (2006.01)

Patent

CA 2732236

The system consists of a POS terminal (6), a secure ele-ment (2), a mobile communication device (1) with a display and a key-board, 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 commu-nication device (1) is connected to the POS terminal (6) through a con-tactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The re-movable 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 remov-able memory card (3). The mobile communication device (1) communi-cates with the POS terminal (6) through contactless transmission channel (5).

L'invention concerne un système constitué dun terminal (6) de point de vente, dun élément sécurisé (2) et dun dispositif mobile (1) de communication doté dun afficheur et dun clavier, tel quun téléphone mobile. Le dispositif mobile (1) de communication est équipé dune carte-mémoire amovible (3), sur laquelle sont situés au moins deux éléments sécurisés (2) physiquement distincts. Le dispositif mobile (1) de communication est relié au terminal (6) de point de vente via un canal (5) de transmission sans contact et au moins un élément sécurisé (2) présent sur la carte-mémoire amovible (3) contient une unité (9) de carte de paiement. La carte-mémoire amovible (3) contient un élément (7) de communication en champ proche (NFC). Le système peut également comprendre un support distinct (13) pour la saisie dun PIN. Ledit support (13) est alimenté en énergie à partir du champ électromagnétique reçu. Au cours de lautorisation du paiement, lunité (4) de gestion incorporée au dispositif mobile (1) de communication active un élément sécurisé (2) correspondant à lunité (9) de carte de paiement choisie sur la carte-mémoire amovible (3). Le dispositif mobile (1) de communication communique avec le terminal (6) de point de vente par le canal (5) de transmission sans contact.

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