POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone
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.
1. A point-of-sale (POS) terminal ( 1 ), comprising:
(a) a mobile communication device ( 4 ) including a removable memory card ( 18 ), wherein the removable memory card comprises:
a first secure element ( 31 ) storing a POS payment terminal application;
a second secure element ( 32 ) storing payment card data;
an interface ( 8 ) to circuits of said mobile communication device;
a microcontroller ( 20 ); and
a first near field communication (NFC) element ( 12 ) with a first antenna ( 21 );
wherein the first and second secure elements are connected with the microcontroller and the microcontroller is connected with the interface;
(b) a merchant sales device terminal ( 2 ) that accepts a value of a payment, wherein the merchant sales device terminal comprises:
a third secure element ( 6 ) storing POS payment terminal identification data for a merchant and an encryption key for encryption of communicated date;
a second NFC element ( 11 ) with a second antenna ( 23 ); and
at least one of a Security Authorization Module (SAM) card ( 24 ) or on an Integrated Circuit Card (ICC) ( 9 ), wherein the third secure element is located on the SAM card or ICC card;
wherein the POS payment terminal is formed by a contactless NFC connection of the merchant sales device terminal with the removable memory card of the mobile communication device.
2. A Point-of-Sales terminal as in claim 1 , wherein the merchant sales device terminal further comprises a display ( 14 ) and a keyboard ( 13 ) for the insertion and display of an amount due.
3. A method of performing a direct debit payment transaction using a mobile communication device, comprising:
creating a payment terminal before or during a payment process by a temporary contactless connection of a merchant sales device terminal that accepts a value of a payment and has at least one secured section that stores point-of-sales (POS) payment terminal identification data for a merchant, said identification data serving to match the merchant's sales device terminal to a merchant's bank account, with a mobile communication device including a removable memory card storing a POS payment terminal application, the removable memory card inserted into said mobile communication device to run said POS payment terminal application and having an interface for connection to said mobile communication device, said mobile communication device being held by a customer, and
performing a direct debit payment transaction in favor of the merchant according to the identification data loaded into the removable memory card during its temporary contactless connection with the merchant's sales device terminal.
4. A method of performing a direct debit payment as in claim 3 , wherein creating the payment terminal comprises loading the identification data for the merchant onto the removable memory card from the merchant sales device terminal for use by the point-of-sales (POS) payment terminal application on the removable memory card.
5. A method of performing a direct debit payment as in claim 3 , further comprising creating a payment cryptogram and sending the payment cryptogram into the merchant sales device terminal and storing the payment cryptogram in a memory of realized payments records.
6. A method of performing a direct debit payment as in claim 3 , further comprising creating a payment cryptogram and sending the payment cryptogram over the interface to the mobile communication device and subsequently via the mobile communication device into a payment processor center.
7. A method of performing a direct debit payment as in claim 3 , further comprising inserting data about a payment value into the removable memory card from the merchant sales device terminal by manual insertion using a keyboard or over a connection with a cash register.