Abstract: A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, including a smart card, a portable card reader device and a mobile phone, and a payment server. The method is based on using a unique reader key in the card reader device to encrypt all the sensitive smart card information communicated to the payment server, and thus being able to use an unsecure mobile phone to communicate with the payment server. The payment server then completes the transaction with the payment acquirer over a secure line.

Abstract: The proposed technology generally relates the field of data transmission, in particular it relates to decoding an encoded data signal received at an audio interface of a portable electronic device, wherein the encoded data signal is encoded with an encoding scheme having an adjustable encoder clock frequency. The proposed method comprises pre-processing the received encoded data signal; scanning the received encoded data signal for a known start sequence and when a known start sequence is successfully detected then calculating an actual frequency based on the detected start sequence; interpreting, a data block succeeding the start sequence using the assessed actual frequency; and assessing whether to request adjustment of the adjustable encoder clock frequency based on the scanning and/or the interpretation. The proposed technology relates to a method performed in a portable communications device well as a corresponding device and computer program.

Abstract: A card reader for use with a mobile phone includes a flat body having an upper side, a lower side and at least one side wall, a connector for connecting the card reader to a mobile phone, a chip card reader, including an elongated opening in a side wall of the card reader, adapted to read a chip card, positioned in a first plane, in the opening; and a magnet stripe reader including a slot in a side wall of the card reader, the slot being adapted to read a magnet stripe slid in the slot along a second plane; wherein the first plane and the second plane intersect.

Abstract: A method of conducting secure electronic payments to a payment acquirer using a credit card payment unit, comprising of a smart card, a portable card reader device, a mobile phone, a stand-alone PIN entry device and a payment server. The method is based on eliminating the unsecure keyboard in a mobile phone used for entering personal identification information, and instead use a separate secure PIN entry device which fulfills the EMV Level specification. Since all sensitive payment information, communicated to the payment server from the card reader and the PIN entry device, is encrypted using unique encryption keys an unsecure mobile phone may be used for relaying the communication between the card reader device and the PIN entry device to and from the payment server.

Abstract: A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a payment server. The method is based on using a unique reader key in the card reader device to encrypt all the sensitive smart card information communicated to the payment server, and thus being able to use an unsecure mobile phone to communicate with the payment server. The payment server then completes the transaction with the payment acquirer over a secure line.

Abstract: A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a payment server and a buyer's mobile phone. A PIN entry request is sent from the merchant's device to the buyer's device via the payment server. A secure application in the buyer's device is executed and a PIN code may be entered securely. The entered PIN code is either verified, via the payment server, against the credit card in said merchant's device or against a bank server. Thus, secure credit card payments can be performed using an ordinary unsecure mobile device's.

Abstract: A method of conducting an electronic card payment between a merchant, having a merchant's device, and a cardholder, having a payment card and a cardholder's device. The method include entering payment card information associated with the payment card comprising at least a first part of a personal account number (PAN), and purchase information in the merchant's device, entering a second part of the PAN in the card holder's device and submitting the second part of the PAN to a payment server, transmitting the purchase information and payment card information to the payment server, where the PANs are concatenated to a complete PAN, and transmitting the purchase information and an updated payment card information with the complete PAN to a bank server conducting the card payment.

Abstract: A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a payment server and a buyer's mobile phone. A PIN entry request is sent from the merchant's device to the buyer's device via the payment server. A secure application in the buyer's device is executed and a PIN code may be entered securely. The entered PIN code is either verified, via the payment server, against the credit card in said merchant's device or against a bank server. Thus, secure credit card payments can be performed using an ordinary unsecure mobile device's.

Abstract: A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a payment server. The method is based on using a unique reader key in the card reader device to encrypt all the sensitive smart card information communicated to the payment server, and thus being able to use an unsecure mobile phone to communicate with the payment server. The payment server then completes the transaction with the payment acquirer over a secure line.

Abstract: A method of conducting secure electronic payments to a payment acquirer using a credit card payment unit, comprising of a smart card, a portable card reader device, a mobile phone, a stand-alone PIN entry device and a payment server. The method is based on eliminating the unsecure keyboard in a mobile phone used for entering personal identification information, and instead use a separate secure PIN entry device which fulfils the EMV Level specification. Since all sensitive payment information, communicated to the payment server from the card reader and the PIN entry device, is encrypted using unique encryption keys an unsecure mobile phone may be used for relaying the communication between the card reader device and the PIN entry device to and from the payment server.