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

Claim 3:
4. A non-transitory computer readable medium comprising a computer program product stored thereon, which comprises program code instructions which, when the executed by a communications terminal of a merchant for communicating with a user device through a near field communication (NFC) wireless data link, implement a payment method comprising:
obtaining payment data by a general processing unit of the communication terminal;
obtaining, by the general processing unit, an identifier of the communication terminal;
transmitting, by the general processing unit, the payment data and the identifier of the communication terminal to a secured processing unit of the communication terminal;
generating, 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;
transmitting, by the secured processing unit, the pair of signed data to the general processing unit;
transmitting, by the general processing unit, the pair of signed data to the user device using the NFC wireless data link;
receiving, 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;
decrypting, by the secured processing unit, the encrypted data to provide decrypted signed data;
comparing, 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, transmitting, 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.