Patent ID: 7664702

Claim:
A method for performing an EMV (Europay, Master and Visa) payment process based on IrFM (Infrared Financial Messaging) using a mobile communication terminal with a card chip embedded therein, said method comprising the steps of: (a) executing an application supported by the card chip within the mobile communication terminal and a payment-processing terminal and initiating transaction processing; (b) checking a password of a user of the mobile communication terminal according to an authentication procedure in an off-card software module, establishing a direct radio link between the mobile communication terminal and the payment-processing terminal in response to a stroked specific key if the user is authenticated, and receiving a credit information request from the payment-processing terminal through the established direct radio link; (c) transmitting (i) membership information and (ii) an ARQC (Authorization Request Cryptogram) message as a single uninterrupted message via the direct radio link to the payment-processing terminal in response to the credit information request; (d) allowing the off-card software module to receive an ARPC (Authorization Response Cryptogram) message as a single uninterrupted message from the payment-processing terminal via the direct radio link as a response to the ARQC message, to request the card chip to authenticate an issuer, and to transmit a digital receipt resulted from a transaction to the payment-processing terminal via the direct radio link if the issuer is authenticated; and (e) allowing the off-card software module to receive a transaction completion message from the payment-processing terminal via the direct radio and to release a connected session for the transaction.