PATENT CLAIMS

1. A temporary carrier of a removable memory card (2) with a removable memory card (2) that has inner circuits and a contact interface (6) with a different contact layout than a standardized contact field (5) of a flat payment card (1); above all with a removable memory card (2), to which payment application data and/or software should be uploaded; a temporary carrier is in the form of a standardized plastic flat card (1), within which there is a removable memory card (2) as a limited element intended for the release from the flat card (1) body preferably by brake-off from the flat card (1) body and the removable memory card (2) is limited in the flat card (1) body by a release line (3) is ch a racte rized by th e fa ct th at

the removable memory card (2) is equipped with at least five additional contacts (4) on its surface outside the contact interface (6); these additional contacts (4) are intended for a temporary use before the removable memory card (2) is released from the flat card (1) body, a sum of surfaces of additional contacts (4) on the removable memory card (2) is smaller than the surface standardized for a contact field (5) of a plastic flat card (1), gaps between the additional contacts (4) basically correspond to the gaps between standardized flat card (1) contact field (5), while the removable memory card (2) is oriented and placed within the flat card (1) in such a way that the position of additional contacts (4) within the outer parameters of temporary carrier corresponds to the position of a standardized flat card (1 ) contact field (5), and additional contacts (4) are interconnected with the inner circuits of the removable memory card (2) independently from the contact interface (6).

2. A temporary carrier of a removable memory card according to claim 1 i s c ha ra cte ri ze d by th e fa ct that from the five additional contacts (4) there is one additional contact (4) intended for power supply, one additional contact (4) is intended for data transmission to inner circuits, one additional

1 contact (4) is intended for grounding, one additional contact (4) is intended for the reset of inner circuit and one additional contact (4) is intended for clocking of communication that runs through the additional contacts (4).

3. A temporary carrier of a removable memory card according to claim 1 or 2 i s c h a ra cte r i zed by the fact that five additional contacts (4) correspond by their positions to contacts C1 , C2, C3, C5, C7 according to ISO 7816.

4. A temporary carrier of a removable memory card according to claim 3 i s c h a racte rized by th e fact that the additional contacts (4) corresponding to the standardized contacts C1 and C5 are interconnected with inner circuits of the removable memory card (2) to supply them with power; C1 represents power supply, C5 represents grounding; the additional contact (4) corresponding to the standardized contact C2 is intended for the reset of inner circuit; the additional contact (4) corresponding to the standardized contact C3 is intended for clocking of communication that runs over the additional contacts (4) and the additional contact (4) corresponding to the standardized contact C7 is intended data input and output.

5. A temporary carrier of a removable memory card according to any of the claims 1 to 4 is ch a ra cte ri zed by th e fa ct that the removable memory card (2) has at least two secure elements and that it has a sixth additional switch contact (8), which is interconnected with the inner circuits for exclusive switch of one secure element into an active mode.

6. A temporary carrier of a removable memory card according to claim 5 i 8 c h a ra cte ri ze d b y t h e fa ct that the sixth additional switch contact (8) is located in the axis of three additional contacts (4) in the left belt, and in preferable configuration the sixth additional switch contact (8), by its position, corresponds to the C4 contact according to ISO 7816.

7. A temporary carrier of a removable memory card according to any of the claims 1 to 6 i s c h a ra cte rized by th e fa ct that the removable memory card (2) has a NFC communication element with an antenna while at least parts of

2 the additional contacts (4, 8) are located outside the antenna projection to the outer part of the removable memory card (2).

8. A temporary carrier of a removable memory card according to any of the claims 1 to 7 is characterized by the fact that the removable memory card (2) has a disconnector (7) connected between the additional contacts (4, 8) and inner circuits of the removable memory card (2) in order to disconnect the additional contacts (4, 8) from the inner circuits before the removable memory card (2) is released from the flat card (1).

9. A temporary carrier of a removable memory card according to claim 8 i s characterized by the fact that the disconnector (7) is in the form of a programmable gate array.

10. A temporary carrier of a removable memory card according to claim 8 is characterized by the fact that the disconnector (7) is in the form of conductors that go out of the removable memory card (2) body to other parts of the flat card (1) body through the brake-off line (3) and then they return through the brake-off line (3) back to the removable memory card (2) body, preferably the disconnector (7) conductors run through the brake-off lines that connect the temporary carrier with the removable memory card (2) body.

11.A temporary carrier of a removable memory card according to any of the claims 1 to 10 is characterized by the fact that it is equipped with a foil that holds the removable memory card (2) in the flat card (1) body.

12. A temporary carrier of a removable memory card according to any of the claims 1 to 11 is characterized by the fact that it has a security foil at least on side and that that the security foil has protection elements signaling its removal from the carrier; the security foil covers a contact interface (6) and/or additional contacts (4,8).

13. A temporary carrier of a removable memory card according to any of the claims 1 to 12 is characterized by the fact that on the outer surface of the temporary carrier in the location where the removable memory card (2) there is a foil (9) with at least five contacts (10) on the outer side of the foil (9), contacts

3 (10) correspond by their location and shape to the corresponding contacts of a standardized contact field (5) of a flat payment card (1); the foil (9) overlaps the release line (3) and contacts (10) on the foil (9) are on the inner side of the foil (9) interconnected with additional contacts (4) on the removable memory card (2) and the foil (9) can be removed from the removable memory card (2) body.

14. A temporary carrier of a removable memory card according to claim 13 i s ch a ra cte ri zed by th e f a ct that the contacts (10) on the outer side of the foil (9) are interconnected with touch pads (11) on the inner side of the foil (9), the touch pads (11) are closely pressed to the additional contacts (4) on the removable memory card (2).

15. A temporary carrier of a removable memory card according to claim 14 i s ch a ra cte ri zed b y th e fa ct that the touch pads (11) overlap from the inner side of the foil (9).

16. A method of production and processing of a removable memory card (2), when the processing is mainly based on storage of data and/or software using a device that works with a contact field (5) that is different from a contact interface (6) of a removable memory card (2) i s ch a ra cte ri ze d b y th e fact that the removable memory card (2) is created as a part of a temporary carrier or it is inserted into a temporary carrier after it is produced; the temporary carrier is in the form of a bigger, standardized plastic flat card (1); on the surface of the removable memory card (2) additional contacts (4) are created in such a way so their position within the temporary carrier corresponds to the position of contacts on a standardized fiat card (1); the additional contacts (4) are interconnected with the removable memory card (2) inner circuits and subsequently the temporary carrier created in this way is inserted into the device for the storage of data and/or software, while the device works with the temporary carrier as if it was a standard flat card with a standardized contact field (5).

17. A method of production and processing of a removable memory card (2) according to claim 16 i s c h a ra cte ri zed b y t he fa ct that the data

4 and/or software for the basic run of the removable memory card (2) hardware elements are loaded first using additional contacts (4) or a contact interface (6) of the removable memory card (2) and subsequently the following is uploaded using additional contacts (4) a) data and/or software for a payment terminal including encryption keys b) data related to the removable memory card (2) future holder as a user of the payment device, these upload and/or programming phases take place during one or more insertion into the device.

18. A method of production and processing of a removable memory card (2) according to claims 16 or 17 i s ch a ra cte ri zed b y th e fa ct that the sixth additional switch contact (8) is used to upload data and/or software into one secure element; this sixth additional switch contact (8) switches the corresponding secure element into active mode, preferably by supplying power to the sixth additional switch contact (8).

19. A method of production and processing of a removable memory card (2) according any of the claims 16 to 18 i s c h a ra cte ri z ed by th e fa ct that the sixth additional switch contact (8) is not used when uploading data and/or software into the second secure element, a situation which is understood by the inner circuits as define command to access the second secure element.

20. A method of production and processing of a removable memory card (2) according any of the claims 16 to 19 i s ch a racte ri ze d by th e f a ct that in the last data processing step in a device, a command to terminate the connection between the additional contacts (4) and inner circuits is sent to the removable memory card (2).

21. A method of production and processing of a removable memory card (2) according any of the claims 16 to 20 i s ch a ra cte ri zed by th e fact that the disconnector (7) disconnects the conductive connection between the

5 additional contacts (4) and inner circuits when the memory card (2) is inserted into the mobile communication device slot for the first time.

22. A method of production and processing of a removable memory card (2) according any of the claims 16 to 21 is characterized by the fact that after the additional contacts (4,8) are created, they are covered with a foil (9) with contacts (10) on the outer side and touch pads (11) on the inner side of the foil (9) in such a way that the touch pads (11) are adjacent to the additional contacts (4, 8).

23. A method of production and processing of a removable memory card (2) according to the claim 22 is characterized by the fact that the foil (9) with contacts (10) can be used repeatedly.

24. A method of production and processing of a removable memory card (2) according any of the claims 16 to 23 is characterized by the fact that the producer of the removable memory card (2) has the access rights to all secure elements on the removable memory card (2) at the beginning; he then provides the issuer with access rights only to the secure element intended for payment card data and the issuer subsequently changes these received access rights to its exclusive access rights while the producer has only access rights to other secure elements.

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