| 摘要 |
The system consists of a POS terminal (6), a secure ele-ment (2), a mobile communication device (1) with a display and a key-board, such as a mobile phone. The mobile communication device (1) is equipped with a removable memory card (3), in which there are at least two physically separate secure elements (2) located. The mobile commu-nication device (1) is connected to the POS terminal (6) through a con-tactless transmission channel (5) and at least one secure element (2) on the removable memory card (3) contains a payment card unit (9). The re-movable memory card (3) contains a NFC communication element (7). The system can also encompass a separate carrier (13) for PIN entering. The carrier (13) is energetically supplied from the field of the received electromagnetic field. During the payment's authorization, the managing unit (4) in the mobile communication device (1) activates a corresponding secure element (2) with the chosen payment card unit (9) on the remov-able memory card (3). The mobile communication device (1) communi-cates with the POS terminal (6) through contactless transmission channel (5).
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