PAYMENT TERMINAL USING MOBILE COMMUNICATION DEVICE SUCH AS MOBILE TELEPHONE AND NON-CASH PAYMENT METHOD Russian patent published in 2015 - IPC G07F7/10 G06Q20/20 

FIELD: physics, computer engineering.

SUBSTANCE: invention relates to payment devices. A mobile communication device having a payment terminal function, comprising a mobile communication device (4) with a removable memory card (1), adapted for installation into a corresponding slot on the mobile communication device (4) and having interconnected interface (11), microcontroller (12) with internal memory (10) and an operating system loading unit (9), a security element (3) with secure regions (31, 32) of the memory thereof, and memory (2) of the memory card (1), divided into an insecure part and a secure part, wherein the latter has a module (5) with a payment application program for the payment terminal, a controller (17) and an operating system loading control module (19), wherein the security element (3) is provided with separately arranged module (6) with configuration data of the payment terminal and payment card module (7), and the secure regions of memory (31, 32) of the security element (3) are connected to the microcontroller (12), which is connected to the interface (11), connected to the communication channel (13) of the memory card (1) to facilitate a payment operation upon establishing communication between a retail and service establishment and the removable memory card (1).

EFFECT: improved security when performing payment operations.

32 cl, 14 dwg