FIELD: physics, computer engineering.
SUBSTANCE: invention describes a system, an apparatus and a method of processing payment transactions performed using a mobile device having a contactless component, such as a microchip. The method is carried out using a wireless (cellular) network as a channel for transmitting data by an issuer to a mobile device, which is particularly advantageous in cases when the contactless component has no communication with a reading device or a point of sale terminal in which a near-field wireless communication means is used. Data transmitted between the mobile device and the issuer may be encrypted or decrypted to provide additional security and protection of data from access by other users or applications. If encryption keys are used for encryption or decryption, the keys may be allocated by a key allocation server or another suitable object through a mobile gateway which participates in data encryption and decryption operations.
EFFECT: invention enables to update, correct or synchronise data on operations, which are supported by an issuer, with data stored in the device.
27 cl, 6 dwg
