Patent ID: 11972419
Assignee: BANKS AND ACQUIRERS INTERNATIONAL HOLDING
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 2:
3. A communications terminal of a merchant for communicating with a user device through a near field communication (NFC) wireless data link, the communication terminal comprising:
a general processing unit;
a memory;
a secured processing unit; and
a secured memory;, wherein the communication terminal is configured to:
obtain payment data by the general processing unit of the communication terminal;
obtain, by the general processing unit, an identifier of the communication terminal;
transmit, by the general processing unit, the payment data and the identifier of the communication terminal to a secured processing unit of the communication terminal;
generate, by the secured processing unit, a pair of signed data by signing the payment data and the identifier of the communication terminal, using a private key belonging to a pair of private and public keys of the communication terminal;
transmit, by the secured processing unit, the pair of signed data to the general processing unit;
transmit, by the general processing unit, the pair of signed data to the user device using the NFC wireless data link;
receive, by the general processing unit through the NFC wireless data link, from said user device, encrypted data establishing authentication of the pair of signed data;
decrypt, by the secured processing unit, the encrypted data to provide decrypted signed data;
compare, by the secured processing unit, the decrypted signed data with the pair of signed data to verify the validity of the pair of signed data; and
when the pair of signed data is valid, transmit, by the communication terminal, the pair of signed data to a payment transaction processing system, wherein the pair of signed data is not transmitted to the payment transaction processing system when the pair of signed data is not valid.