Electronic payment application system and payment authorization method
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.
1. An electronic payment applications system, comprising:
a remote payment processing server;
a mobile communication device comprising a display, a keyboard, a managing block for a virtual point-of-sale (POS) terminal, and a removable memory card; and
at least two physically separate secure elements that are connected to the managing block, wherein a secured part of the virtual POS terminal is located in one of the secure elements and is connected to the managing block,
wherein the secure elements are located on the removable memory card or in a separate portable element that is linked to the mobile communication device, and
wherein at least one of the mobile communication device and the separate portable element is adapted to be connected to the remote payment processing server.
2. The electronic payment applications system of claim 1 , wherein the secured part of the virtual POS terminal includes an encryption block and a data storage block.
3. The electronic payment applications system of claim 1 , wherein the managing block is adapted to switch the secure elements into an active mode.
4. The electronic payment applications system of claim 1 , wherein the mobile communication device includes a printed circuit board, and the secure element with the secured part of the virtual POS terminal is on the printed circuit board, the system further comprising an electrically conductive transmission channel between the removable memory card and the secured part of the virtual POS terminal and the managing block formed by conductive paths in the mobile communication device.
5. The electronic payment applications system of claim 1 , wherein the secure element with the secured part of the virtual POS terminal is located in the separate portable element, and the separate portable element is adapted to be connected to a computer, the system further comprising a contactless transmission channel between the separate portable element and the removable memory card.
6. The electronic payment applications system of claim 5 , wherein the transmission channel between the separate portable element and the removable memory card is a near-field communication (NFC) channel.
7. The electronic payment applications system of claim 6 , wherein the removable memory card is equipped with a first NFC element including a first antenna, and the separate portable element is equipped with a second NFC element including a second antenna.
8. The electronic payment applications system of claim 1 , further comprising an intermittent block that centralizes connections to a plurality of virtual POS terminal blocks.
9. The electronic payment applications system of claim 1 , wherein at least one of the secure elements on the removable memory card includes a one-time password creation block, and at least one other secure element includes a payment card block.
10. The electronic payment applications system of claim 1 , wherein the mobile communication device includes a purpose key to run a direct debit application, and the key carries a payment symbol thereon.
11. A payment authorization method for realizing a payment to an internet shop via a mobile communication device, the payment being processed on a remote payment processing server, the method comprising:
activating, according to a user selection, a corresponding secure element having a payment card block on a removable memory card or separate portable element associated with the mobile communication device;
adding to payment card identification data associated with the user, a payment receiver's identification data and a one-time password generated from a personal identification number (PIN) entered in a one-time password block on the removable memory card;
the removable memory card electronically signing the payment receiver's identification data and one-time password; and
the removable memory card sending the electronically signed payment receiver's identification data and one-time password to the payment processing server.
12. The payment authorization method of claim 11 , further comprising providing to a managing block of a virtual point-of-sale (POS) terminal in the mobile communication device a unique transaction number confirming that a payment was effectuated.
13. The payment authorization method of claim 11 , further comprising providing the payment receiver's identification data to a managing block of a virtual point-of-sale (POS) terminal in the mobile communication device at the beginning of the payment process.
14. The payment authorization method of claim 11 , further comprising encrypting the electronically signed payment receiver's identification data and one-time password in an encryption block in a secured part of a virtual point-of-sale (POS) terminal before the electronically signed payment receiver's identification data and one-time password are sent to the payment processing server.
15. The payment authorization method of claim 11 , wherein a contactless transmission channel is defined between the separate portable element and the removable memory card.
16. The payment authorization method of claim 11 , wherein the electronically signed payment receiver's identification data and one-time password are sent to the payment processing server via an intermittent block that centralizes connections to a plurality of virtual POS terminal blocks.
17. A mobile communications device for use in an electronic payment applications system, the mobile communication device comprising:
a managing block for a virtual point-of-sale (POS) terminal, and
a removable memory card,
wherein on the removable memory card there are located at least two physically separate secure elements that are connected to the managing block, a secured part of the virtual POS terminal is located in one of the secure elements and is connected to the managing block, and the mobile communication device is adapted to be connected to a remote payment processing server.
18. The mobile communication device of claim 17 , wherein the secured part of the virtual POS terminal includes an encryption block and a data storage block.
19. The mobile communication device of claim 17 , wherein the secure elements are connected to the managing block, and the managing block is adapted to switch the secure elements into an active mode.
20. The mobile communication device of claim 17 , wherein at least one of the secure elements includes a one-time password creation block, and at least one of the secure elements includes a payment card block.