FIELD: radio engineering, communication.
SUBSTANCE: invention relates to a contactless electronic payment means. The technical result is safer electronic payments. The system consists of a POS terminal, a secure element, a mobile communication device with a display and a keyboard, such as a mobile telephone. The mobile communication device is equipped with a removable memory card, in which at least two physically separate secure elements are located. The mobile communication device is connected to the POS terminal through a wireless transmission channel and at least one secure element on the removable memory card contains a payment card unit. The removable memory card contains a NFC communication element. The system can also include a separate carrier for PIN entering. The carrier is powered from the received electromagnetic field. A control unit in the mobile communication device activates the required secure element corresponding to the chosen payment card unit on the memory card.
EFFECT: mobile communication device wirelessly communicates with a POS terminal.
10 cl, 1 dwg
