The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 8799084 B1

PDF
Full Text
Expired
Date of Patent:
Aug. 05, 2014

Filed:

Sep. 18, 2009
Applicants:

Miroslav Florek, Bratislava, SK;

Michal Masaryk, Bratislava, SK;

Inventors:

Miroslav Florek, Bratislava, SK;

Michal Masaryk, Bratislava, SK;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/00 (2012.01);
U.S. Cl.
CPC ...
Abstract

The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device () contains a virtual POS terminal's unit () and also a removable memory card (), on which there are at least two physically separate secure elements () stored. The removable memory card () is connected to the secure element () containing the secured part of the virtual POS terminal. The mobile communication device () and/or the separate portable element () is adjusted in such a way to be able to connect to a remote payment procession server. The removable memory card () and the separate portable element () can be equipped with the NFC communication element. Depending on the user choice, a corresponding secure element () with the selected payment card unit () is activated on the removable memory card (). 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.


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