Patent ID: 8606711

Claim:
A payment terminal using a mobile communication device, the payment terminal comprising: a memory having at least one secured part for storing the payment terminal's configuration data and for separately storing a payment card unit with a payment terminal application; an interface; and a microcontroller connected with the secured part of the memory and through the interface to the mobile communication device's circuits, wherein the payment terminal, along with the payment terminal's corresponding configuration data, is located on a removable memory card owned by the customer, the removable memory card being configured to be inserted into a hardware slot that is used to add functionalities that surpass the basic functions of the mobile communication device, the memory card including a contactless communication element, the payment terminal further comprising: an initiator of the payment terminal application including an initializing file that is provided to the memory card to launch the payment terminal application, the initiator being located in the memory and containing a unit generating the payment's value, wherein the initiator is owned by the merchant receiving the payment, the initiator being equipped with a communication element that is compatible with the contactless communication element on the removable memory card.