Patent ID: 9098845
Filing Date: 2015-08-04
Classification: G06Q

Abstract:
1. A method for purchasing from an electronic store that is accessible from a mobile communication device via a mobile data network, wherein purchased items are downloaded from a trade system's headquarters into the mobile communication device, the method comprising: sending an activation command to a removable memory card in the mobile communication device in response to the selection of an item to be purchased from the electronic store, the removable memory card including payment terminal data and applications for implementing a payment terminal, payment card data and applications associated with a payment card issued by a payment card issuer, and configuration data; transferring identification data associated with an acquirer from a portion of the removable memory card storing the configuration data to a portion of the memory card storing the payment terminal data; sending identification data associated with the acquirer via the mobile network from the mobile communication device to the trade system's headquarters; receiving a determination that the identification data associated with the acquirer corresponds to identification data associated with a permitted acquirer that are stored at the trade system's headquarters and receiving a set of payment parameters initialized for a transaction by the payment terminal in the mobile communication device, the mobile communication device processing the received payment parameters, creating a payment cryptogram on the removable memory card using a master key associated with the payment card issuer of the payment card, and sending the payment cryptogram to the trade system's headquarters for evaluation.