WO2012114260A1 - Dispositif de communications mobile pour paiements sans contact, et procédé de paiement - Google Patents

Dispositif de communications mobile pour paiements sans contact, et procédé de paiement Download PDF

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Publication number
WO2012114260A1
WO2012114260A1 PCT/IB2012/050770 IB2012050770W WO2012114260A1 WO 2012114260 A1 WO2012114260 A1 WO 2012114260A1 IB 2012050770 W IB2012050770 W IB 2012050770W WO 2012114260 A1 WO2012114260 A1 WO 2012114260A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
mobile communication
communication device
terminal
fact
Prior art date
Application number
PCT/IB2012/050770
Other languages
English (en)
Inventor
Emil HUBINÁK
Miroslav Florek
Michal Masaryk
Original Assignee
Logomotion, S.R.O.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from SK50012-2011A external-priority patent/SK500122011A3/sk
Priority claimed from SK50017-2011A external-priority patent/SK288689B6/sk
Application filed by Logomotion, S.R.O. filed Critical Logomotion, S.R.O.
Priority to EP12719448.8A priority Critical patent/EP2678811A1/fr
Publication of WO2012114260A1 publication Critical patent/WO2012114260A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices

Definitions

  • the mobile communication device 4 has a specialized button to start the payment-terminal application and this button is equipped with the currency symbol.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L'invention concerne un dispositif de communications mobile (4) pour paiements sans contact comprenant deux puces indépendantes à éléments sécurisés (2, 3) disposées sur sa carte de circuit imprimé. Un élément sécurisé (2) contient un terminal de paiement POS indifférent, et un second élément sécurisé (3) contient une carte de paiement. Les éléments sécurisés (2, 3) sont interconnectés via un circuit de contact (1) sur la carte de circuit imprimé du dispositif de communications mobile (4). Dans une configuration, appropriée, le circuit (1) est formé par une interface de contact qui permet une communication selon la norme ISO 7816. Un terminal de paiement POS indifférent est changé en terminal spécifique en fonction des données de configuration reçues. Le terminal de paiement lancé sur l'élément sécurisé (2) communique sur le circuit (1) avec la carte de paiement de l'élément sécurisé (3) au moyen d'un même processus comme s'il s'agissait d'une carte de paiement introduite dans un lecteur de carte à contact. Le cryptogramme de paiement peut se présenter sous forme standard.
PCT/IB2012/050770 2011-02-21 2012-02-20 Dispositif de communications mobile pour paiements sans contact, et procédé de paiement WO2012114260A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP12719448.8A EP2678811A1 (fr) 2011-02-21 2012-02-20 Dispositif de communications mobile pour paiements sans contact, et procédé de paiement

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
SKPP50012-2011 2011-02-21
SK50012-2011A SK500122011A3 (sk) 2011-02-21 2011-02-21 Mobilné komunikačné zariadenie na bezhotovostné platby, spôsob platby
SK50017-2011A SK288689B6 (sk) 2011-04-13 2011-04-13 Platobná karta, čítačka platobných kariet, spôsob bezhotovostnej platby
SKPP50017-2011 2011-04-13

Publications (1)

Publication Number Publication Date
WO2012114260A1 true WO2012114260A1 (fr) 2012-08-30

Family

ID=46045034

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2012/050770 WO2012114260A1 (fr) 2011-02-21 2012-02-20 Dispositif de communications mobile pour paiements sans contact, et procédé de paiement

Country Status (2)

Country Link
EP (1) EP2678811A1 (fr)
WO (1) WO2012114260A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2519143A (en) * 2013-10-11 2015-04-15 Mastercard International Inc Virtual POS System and Method
US9892403B2 (en) 2012-02-29 2018-02-13 Mobeewave, Inc. Method, device and secure element for conducting a secured financial transaction on a device
US10769627B2 (en) 2013-04-05 2020-09-08 Visa International Service Association Systems, methods and devices for transacting

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5122595A (en) 1989-05-19 1992-06-16 Applied Research Systems Ars Holding N.V. SAF polypeptide gene coding therefor, and SAF promoter
EP1798867A2 (fr) * 2005-12-16 2007-06-20 Innovision Research & Technology PLC Dispositifs et procédé de communication avec des communicateurs à champ proche
US20070241180A1 (en) 2006-04-14 2007-10-18 Harexinfotech Inc. Method of settling signatureless payment of bank card sales slip in mobile terminal, and system therefor
US20080059375A1 (en) 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones
US20080270246A1 (en) 2007-04-26 2008-10-30 Grace Chen Global electronic payment system
CN101329801A (zh) 2008-07-23 2008-12-24 中国建设银行股份有限公司 手机pos消费的数据处理方法及手机pos消费系统
CN101339685A (zh) 2008-05-27 2009-01-07 北京爱奥时代信息科技有限公司 红外线手机支付终端、支付方法及系统
CN101351819A (zh) 2005-11-04 2009-01-21 乌蒂巴私人有限公司 移动电话作为销售点（pos）设备
WO2009083679A2 (fr) * 2007-12-21 2009-07-09 France Telecom Procede de lecture d'une etiquette electronique par un terminal
US20100217707A1 (en) * 2009-02-25 2010-08-26 Simon Phillips Automated opening of electronic wallet function in mobile device

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5122595A (en) 1989-05-19 1992-06-16 Applied Research Systems Ars Holding N.V. SAF polypeptide gene coding therefor, and SAF promoter
CN101351819A (zh) 2005-11-04 2009-01-21 乌蒂巴私人有限公司 移动电话作为销售点（pos）设备
EP1798867A2 (fr) * 2005-12-16 2007-06-20 Innovision Research & Technology PLC Dispositifs et procédé de communication avec des communicateurs à champ proche
US20070241180A1 (en) 2006-04-14 2007-10-18 Harexinfotech Inc. Method of settling signatureless payment of bank card sales slip in mobile terminal, and system therefor
US20080059375A1 (en) 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones
US20080270246A1 (en) 2007-04-26 2008-10-30 Grace Chen Global electronic payment system
WO2009083679A2 (fr) * 2007-12-21 2009-07-09 France Telecom Procede de lecture d'une etiquette electronique par un terminal
CN101339685A (zh) 2008-05-27 2009-01-07 北京爱奥时代信息科技有限公司 红外线手机支付终端、支付方法及系统
CN101329801A (zh) 2008-07-23 2008-12-24 中国建设银行股份有限公司 手机pos消费的数据处理方法及手机pos消费系统
US20100217707A1 (en) * 2009-02-25 2010-08-26 Simon Phillips Automated opening of electronic wallet function in mobile device

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PROXIMITY MOBILE PAYMENTS, SMART CARD ALLIANCE, September 2007 (2007-09-01)

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9892403B2 (en) 2012-02-29 2018-02-13 Mobeewave, Inc. Method, device and secure element for conducting a secured financial transaction on a device
US10504101B2 (en) 2012-02-29 2019-12-10 Mobeewave, Inc. Method, device and secure element for conducting a secured financial transaction on a device
US10504102B2 (en) 2012-02-29 2019-12-10 Mobeewave, Inc. Method, device and secure element for conducting a secured financial transaction on a device
US10558971B2 (en) 2012-02-29 2020-02-11 Mobeewave, Inc. Method, device and secure element for conducting a secured financial transaction on a device
US11132665B2 (en) 2012-02-29 2021-09-28 Apple Inc. Method and device for conducting a secured financial transaction on a device
US11301835B2 (en) 2012-02-29 2022-04-12 Apple Inc. Method, device and secure element for conducting a secured financial transaction on a device
US11397936B2 (en) 2012-02-29 2022-07-26 Apple Inc. Method, device and secure element for conducting a secured financial transaction on a device
US11756021B2 (en) 2012-02-29 2023-09-12 Apple Inc. Method, device and secure element for conducting a secured financial transaction on a device
US10769627B2 (en) 2013-04-05 2020-09-08 Visa International Service Association Systems, methods and devices for transacting
GB2519143A (en) * 2013-10-11 2015-04-15 Mastercard International Inc Virtual POS System and Method
US10074085B2 (en) 2013-10-11 2018-09-11 Mastercard International Incorporated Virtual POS system and method

Also Published As

Publication number Publication date
EP2678811A1 (fr) 2014-01-01

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