Abstract: A temporary carrier of a removable memory card (2) is in the shape of a flat card (1), where the removable memory card (2) forms an element to be released from the flat card body (1). The removable memory card (2) has at least five additional contacts (4) for temporary usage before the removable memory card is removed from the flat card (1) body. The additional contacts (4) take up a smaller surface as a contact field (5) of a standardized flat card (1). The removable memory card (2) is located within the flat card (1) in such a way that the position of additional contacts (4) corresponds to the position of a standardized flat card (1) contact field (5). The suitable sixth additional switch contact (8) can be used to switch secure elements. The temporary carrier is inserted into a standard burning device, which operates with it in the same way as it would with a common card with a contact field (5).

Abstract: A heat is taken from a photovoltaic panel (1) using air that flows through the photovoltaic panel (1) unit with an air cooler (2). The unit has an air intake opening (3) and an outtake vent (4) and the air flow is enforced by a natural draft of a chimney (5), to which the photovoltaic panel (1) unit is connected to. At least a part of the chimney (5) is exposed to solar radiation. Outtake vents (4) of several photovoltaic panel (1) units can lead to one chimney (5), preferably through thermal collectors (6) and piping. The air in the chimney is warmed up by solar radiation, the air ascends towards the chimney (5) mouth and the chimney (5) natural draft created in this way enforces air flow within the photovoltaic panel (1) unit. Even the air cooler (2) of the sucked air can form part of the system—preferably in the form of a ground-coupled heat exchanger (9).

Abstract: The process encompasses the communication between trade system accessible over GUI of the mobile communication device (4), when after the item being purchased is selected, the acquirer's (12) identification is loaded from the removable memory card (1). The acquirer's (12) identification is sent to the trade system's (2) headquarters, where after it is approved, the transaction payment parameters are created and these enter the removable memory card (1) as an initiator of the payment terminal application. The payment terminal application runs on the removable memory card (1) and it creates a payment cryptogram. This one is sent into the trade system's (2) headquarters, where it can be handled as a common cryptogram of usual POS terminals. The process can encompass even a preparation and pre-preparation phase, thanks to which corresponding applications of individual participants of the system are installed, configured and activated.

Abstract: The communication method with the POS terminal that improves transmission characteristics of the authorized payment from the mobile communication device (9) is based upon a fact that the frequency converter (1) on that side of the communication channel where the POS terminals NFC antenna (8) is. The frequency converter (1) receives and processes the signal from the POS terminals NFC antenna (8) on the 13.56 MHz frequency, sends it on a higher frequency into the mobile communication device (9) and vice versa. The frequency converter (1) is outwardly energetically passive and is power supplied from the electromagnetic field received from the POS terminals antenna (8). The frequency converter (1) contains an antenna, tuned to the frequency in the range of 13.00 to 14.00 MHz, that is connected to the power supply element (4). The frequency converter (1) is located in the proximity of the POS terminal's antenna.

Abstract: Removable card for a contactless communication contains an antenna (4) formed of threads (10) placed on the external surface of the body (1) of the card and covered by a layer (7) of a ferromagnetic material. In advantageous adjustment the antenna (4) contains on one area (2) of the card eight threads (10) and both areas (2) of the card are covered by a layer (7) of a ferritic foil. The antenna (4) is connected to the series with element (12) with capacity and the resistance (11) on the other side. Resonant circuit is tuned in for the final frequency from 13.0 to 15.0 MHz. The signal from the antenna (4) is read between the first and the second thread (10) from the side of the element (12) with capacity.

Abstract: A heat is taken from a photovoltaic panel (1) using air that flows through the photovoltaic panel (1) unit with an air cooler (2). The unit has an air intake opening (3) and an outtake vent (4) and the air flow is enforced by a natural draft of a chimney (5), to which the photovoltaic panel (1) unit is connected to. At least a part of the chimney (5) is exposed to solar radiation. Outtake vents (4) of several photovoltaic panel (1) units can lead to one chimney (5), preferably through thermal collectors (6) and piping. The air in the chimney is warmed up by solar radiation, the air ascends towards the chimney (5) mouth and the chimney (5) natural draft created in this way enforces air flow within the photovoltaic panel (1) unit. Even the air cooler (2) of the sucked air can form part of the system—preferably in the form of a ground-coupled heat exchanger (9).

Abstract: A temporary carrier of a removable memory card (2) is in the shape of a flat card (1), where the removable memory card (2) forms an element to be released from the flat card body (1). The removable memory card (2) has at least five additional contacts (4) for temporary usage before the removable memory card is removed from the flat card (1) body. The additional contacts (4) take up a smaller surface as a contact field (5) of a standardized flat card (1). The removable memory card (2) is located within the flat card (1) in such a way that the position of additional contacts (4) corresponds to the position of a standardized flat card (1) contact field (5). The suitable sixth additional switch contact (8) can be used to switch secure elements. The temporary carrier is inserted into a standard burning device, which operates with it in the same way as it would with a common card with a contact field (5).

Abstract: The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device (1) contains a virtual POS terminal's unit (4) and also a removable memory card (3), on which there are at least two physically separate secure elements (2) stored. The removable memory card (3) is connected to the secure element (2) containing the secured part of the virtual POS terminal. The mobile communication device (1) and/or the separate portable element (6) is adjusted in such a way to be able to connect to a remote payment procession server. The removable memory card (3) and the separate portable element (6) can be equipped with the NFC communication element. Depending on the user choice, a corresponding secure element (2) with the selected payment card unit (14) is activated on the removable memory card (3).

Abstract: When processing repeated operations on the keyboard of a mobile communication device, mainly at direct debits, used is a separate data carrier with a memory in which is stored at least one file with a sequence of keyboard orders of a macro type. Data carrier is energetically supplied contact-free by electromagnetic field of the mobile communication device while receiving the requiring order and, according to this order, chooses from the memory and encodes appropriate file with a sequence of keyboard orders. Data carrier sends the encoded file into the mobile communication device which decodes the received file and performs processes representing the keystrokes according to the sequence of keyboard orders. The invention also describes connection and data carrier to perform above described method where the data carrier consists of a processor, transmitting and receiving unit, block for transforming electromagnetic field and a memory to store a file of orders.

Abstract: A payment terminal using a mobile communication device (4), such as a mobile phone, is located on a removable memory card (1), e.g. type microSD card, which is adjusted in such a way so it can be inserted into an additional hardware slot, e.g. memory slot. A payment POS terminal application runs on a removable memory card (1), which contains at least one payment card. The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element or in completely independent secure elements or they can also be localized in the Sales Device of the merchant and there e.g. within the ICC card (29) or SAM card (42).

Abstract: A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element (3, 31, 32) or in completely independent secure elements (3, 31, 32). The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The memory card (1) is of SD type or miniSD or microSD card or an M2 card.

Abstract: A method of electronic payment transaction is characterized by the fact that during processing of one payment transaction, a communication link (3) between the card (1) and the terminal (2) is interrupted and the ARPC answering file is received to the card (1) after the original communication link (5) is interrupted. Two phases are separated by a reset of the card (1) where in the second phase initial payment data (ARQC) are used. Electronically signed ARQC payment file is stored in the card's (1) memory for at least until the corresponding time ARPC answering file is of received and processed. The solution enables to place the mobile phone with a payment card (1) near to the terminal's (2) reader twice. The first time, a request for on-line authorization is generated and during the second touch the information from the payment processor (5) is recorded into the payment application.

Abstract: On the interface side (7), a removable memory card (2), on which at least one payment card unit is located (5), appears to be a removable memory card (2) for the extension of the mobile communication device's (4) memory capacity up till the moment when the payment purpose button (1) is physically pressed. Then the removable memory card (2) switches into the payment function's access mode and is made accessible on its interface (7) as a card with a Secure Element (3) having at least one payment card unit (5). After the termination and/or interruption of the payment process, the removable memory card (2) switches into the access mode for the memory capacity extension function of the mobile communication device (4). This configuration and method increase the security of the payment process while retaining high level of manipulation comfort.

Abstract: The method and system of authentication of authorized person and transaction approval principally at the direct debits by means of a mobile communication device (2) is based on the fact that an alphanumerical chain is sent from the mobile communication device (2) into energy passive identifier (3) approached to the mobile communication device (2), the identifier (3) is supplied contact free by electromagnetic field of the mobile communication device (2) while in the identifier the received alphanumerical chain is signed electronically and in such signed alphanumerical chain is sent back into the mobile communication device (2). Payment approval is realized by the correctness approval of the electronically signed alphanumerical chain and by approaching the mobile communication device (2) to the payment terminal (1). The invention enables to use a high level of cryptography security by using a passive identifier (3) which does not demand own energy source.

Abstract: The process encompasses the communication between trade system accessible over GUI of the mobile communication device (4), when after the item being purchased is selected, the acquirer's (12) identification is loaded from the removable memory card (1). The acquirer's (12) identification is sent to the trade system's (2) headquarters, where after it is approved, the transaction payment parameters are created and these enter the removable memory card (1) as an initiator of the payment terminal application. The payment terminal application runs on the removable memory card (1) and it creates a payment cryptogram. This one is sent into the trade system's (2) headquarters, where it can be handled as a common cryptogram of usual POS terminals. The process can encompass even a preparation and pre-preparation phase, thanks to which corresponding applications of individual participants of the system are installed, configured and activated.

Abstract: A payment terminal using a mobile communication device (4), such as a mobile phone, is located on a removable memory card (1), e.g. type microSD card, which is adjusted in such a way so it can be inserted into an additional hardware slot, e.g. memory slot. A payment POS terminal application runs on a removable memory card (1), which contains at least one payment card. The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element or in completely independent secure elements or they can also be localized in the Sales Device of the merchant and there e.g. within the ICC card (29) or SAM card (42).

Abstract: As disclosed herein, a computer mouse (1) may include a contact-less communication element (2) for communication with a mobile communication device (3), such as a mobile phone. The communication element (2) may be a near-field communication (NFC) element, and may be adapted to establish a connection with a secure element (4) for processing data communicated between a computer (5) and the mobile communication device (3). The secure element (4) may be configured in a memory device, which may be located in the computer mouse (1) or on a separate carrier (6). The carrier (6) may be a removable memory card, the insertion of which into a corresponding connector (7) may establish a connection between the communication element (2) and the secure element (4). The communication element (2) may include an antenna, which may be formed on a printed circuit board in the computer mouse (1).

Abstract: A method of electronic payment transaction is characterized by the fact that during processing of one payment transaction, a communication link (3) between the card (1) and the terminal (2) is interrupted and the ARPC answering file is received to the card (1) after the original communication link (5) is interrupted. Two phases are separated by a reset of the card (1) where in the second phase initial payment data (ARQC) are used. Electronically signed ARQC payment file is stored in the card's (1) memory for at least until the corresponding time ARPC answering file is of received and processed. The solution enables to place the mobile phone with a payment card (1) near to the terminal's (2) reader twice. The first time, a request for on-line authorization is generated and during the second touch the information from the payment processor (5) is recorded into the payment application.

Abstract: On the interface side (7), a removable memory card (2), on which at least one payment card unit is located (5), appears to be a removable memory card (2) for the extension of the mobile communication device's (4) memory capacity up till the moment when the payment purpose button (1) is physically pressed. Then the removable memory card (2) switches into the payment function's access mode and is made accessible on its interface (7) as a card with a Secure Element (3) having at least one payment card unit (5). After the termination and/or interruption of the payment process, the removable memory card (2) switches into the access mode for the memory capacity extension function of the mobile communication device (4). This configuration and method increase the security of the payment process while retaining high level of manipulation comfort.

Abstract: A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element (3, 31, 32) or in completely independent secure elements (3, 31, 32). The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The memory card (1) is of SD type or miniSD or microSD card or an M2 card.