POS payment terminal and method of cashless payment using mobile communication devices, such as a mobile phone

摘要

POS terminal (1) utilizing the mobile communication device (4), in particular the mobile telephone, consists of a temporary connection of the removable memory card merchant's Sales Device (2), the removable memory card (18) being inserted into the mobile communication device (4) of the customer. The Sales Device (2) includes a protected memory (6) with POS terminal identification data in the form of a SAM card or ICC card (9), or directly in the form of a secure element on a printed circuit board. The payment terminal (1) is created before or during the payment process by temporarily linking a Sales Device (2) to a mobile communication device (4) held by the customer and having a removable memory card which may have a separate communication element (12) NFC. The payment cryptogram has a standard form, e.g. in the EMV format, and is sent to the payment processing center (15) online or offline off-line according to the payment amount and the set risk management.