CPC Class H04W

A POS payment terminal (1) using a mobile communication device (4), such as a mobile phone, is created over a temporary connection between the merchant's Sales Device (2) with the removable memory card (18), where the removable memory card (18) is inserted into the customer's slot of the mobile communication device (4). The Sales Device (2) contains a secure memory (6) with the POS terminal's identification data in the form of a SAM card or an ICC card (9) or directly in the form of a secure element on the circuit printed. The payment terminal (1) is created before or during the payment process over a temporary connection between a Sales Device (2) with a mobile communication device (4), which is held by the customer and which has a removable memory card that can have an independent communication element, especially of the NFC type. The payment cryptogram is of standard form, e.g. in the EMV format and it is sent online or offline in batches to the payment processing center (15) according to the amount paid and the preset risk management.

A secure payment system and method for enabling transactions with a merchant without communicating account or payment information to the merchant by using broadcasting beacon and a payment system which may create a user experience similar to NFC tap payment systems without using NFC communications.

A mobile terminal and controlling method thereof are disclosed, by which a plurality of message, product or registration card items and be collectively managed. The present invention includes a wireless communication unit configured to transmit/receive messages or data, a user input unit configured to receive a command from a user, a touchscreen, and a controller outputting the received messages through the touchscreen, the controller controlling a prescribed received message among the received messages to be included in a prescribed group, the controller, if a change command for the prescribed group is received through the user input unit, controlling the wireless communication unit to transmit a change request signal corresponding to some messages selected from the received messages included in the prescribed group.

A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

Embodiments of the disclosure are directed to performing a transaction between a smartwatch and an access device. Transaction details are transmitted by an antenna of a smartwatch to a contactless transaction module. An interface is rendered to a display of the smartwatch. An input of the interface is adjusted in response to a rotation of a crown of the smartwatch. The input is transmitted, by the antenna of the smartwatch, to a contactless transaction module in response to a confirmation of the input by a user of the smartwatch.

The present invention is directed toward an automatic connected vehicle subsequent owner method and system for automatically wiping personal data from the vehicle, transitioning remote services access to a subsequent owner, and delinking the vehicle from their smartphone or other interactive communication link. In one more embodiments, a computer implemented method provides for delinking customers and deregistering vehicles from original owners where those vehicles have been subsequently sold, discontinued, or otherwise transferred for the customer's ownership.