MOBILE PAYMENT APPLICATION ARCHITECTURE Russian patent published in 2014 - IPC G06Q20/00 H04W4/12 H04W12/06 H04H20/71 H04B7/24 

FIELD: information technology.

SUBSTANCE: apparatus includes a security element and a plurality of functional modules installed in the security element, the plurality of modules including: a mobile payment module which facilitates a payment transaction; a mobile gateway authentication module enabling to mutually authenticate a mobile gateway and the mobile payment module; a wireless communication and data transfer module enabling to transfer data and commands to conduct the payment transaction between a cellular network and the apparatus; a message processing module enabling to convert messages received from the mobile gateway into commands that are executable by other modules and to convert responses from the other modules into messages that are understood by the mobile gateway; and a multi-access module enabling to share data common to a plurality of the consumer's payment; and a user interface application installed outside of the security element and enabling to generate a user interface.

EFFECT: safer payment transactions on a plurality of mobile device platforms while interacting with a payment application which can be updated.

20 cl, 5 dwg