Paypal, Inc.

Daniel Bernholc

Techniques for performing secure contactless payments are disclosed. An example apparatus includes an external contactless card reader, including a first short-distance communication antenna, connected to a card reader terminal using a feed line. The first short-distance communication antenna is configured to convert an electromagnetic signal including data received from a contactless payment card into an analog signal. The card reader terminal includes a short-distance receiver circuit and a secure controller, both located within a secure area, and a second short-distance communication antenna, wherein the first and second short-distance communication antennas are connected via separate paths to the short-distance receiver circuit. An example method includes receiving an electromagnetic signal including card data via a short-distance communication antenna in an external contactless card reader, converting the electromagnetic signal into an analog signal and transferring the analog signal to a card reader terminal.

Card reader terminal with external contactless antenna

Techniques for performing secure contactless payments are disclosed. An example apparatus includes an external contactless card reader, including a first short-distance communication antenna, connected to a card reader terminal using a feed line. The first short-distance communication antenna is configured to convert an electromagnetic signal including data received from a contactless payment card into an analog signal and is not configured to digitize the analog signal. The card reader terminal includes a short-distance receiver circuit and a secure controller, both located within a secure area, and a second short-distance communication antenna, wherein the first and second short-distance communication antennas are connected via separate paths to the short-distance receiver circuit. An example method includes receiving an electromagnetic signal including card data via a short-distance communication antenna in an external contactless card reader, converting the electromagnetic signal into an analog signal and transferring the analog signal to a card reader terminal.

The present disclosure relates to a point of sale [POS] system () for contactless payment of products, comprising a payment processing unit () for facilitating electronic payment of products based on payment-facilitating information received from a portable payment device (), such as a contactless card. The payment processing unit () is connected to a plurality of antennas (-), each associated with a respective product and each configured to read payment-facilitating information from a portable payment device () when the portable payment device is brought in the vicinity of the antenna. The payment processing unit () is configured to, upon reading of payment-facilitating information by any of the antennas (-), receive the payment-facilitating information and identify a product to be paid for based on which of the plurality of antennas (-) read the payment-facilitating information, and to facilitate a financial transaction comprising payment of the identified product using the payment-facilitating information.

Point of sale system and method for contactless payment

A secure arrangement for performing secure contactless payments includes an external contactless card reader comprising a short-distance communication antenna. The secure arrangement comprises a card reader terminal comprising a secure controller configured for performing financial transactions, wherein the secure controller is located in a secure area within the card reader terminal, an external contactless card reader comprising a short-distance communication antenna configured for converting an electromagnetic signal comprising card data, received from a contactless payment card, into an analogue signal and a feed line configured for transferring the analogue signal between the external contactless card reader and the card reader terminal. The secure area in the card reader terminal comprises an A/D converter for digitizing the analogue signal to a digital signal that can be processed by the secure controller, within the secure area.

A point of sale [POS] system for contactless payment of products, including a payment processing unit for facilitating electronic payment of products based on payment-facilitating information received from a portable payment device, such as a contactless card is provided. The payment processing unit is connected to a plurality of antennas, each associated with a respective product and each configured to read payment-facilitating information from a portable payment device when the portable payment device is brought in the vicinity of the antenna. The payment processing unit is configured to, upon reading of payment-facilitating information by any of the antennas, receive the payment-facilitating information and identify a product to be paid for based on which of the plurality of antennas read the payment-facilitating information, and to facilitate a financial transaction comprising payment of the identified product using the payment-facilitating information.

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Stockholm, Sweden

Daniel Bernholc