Stand-alone secure PIN entry device for enabling EMV card transactions with separate card reader

US9251513B2 · kind B2 · utility

Assignee

• IZETTLE MERCHANT SERVICES AB · SE

Inventors

• Magnus Nilsson · Lund, SE
• Stefan Lund · Bollebygd, SE

Key dates

• Filing date: Jul 8, 2011
• Grant date: Feb 2, 2016
• Expiry date: May 10, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4012
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.