Abstract: The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol. The invention also provides the mobile terminal hosting the payment application and including a secure module hosting the encryption application.

Abstract: This application describes systems and methods for securing a payment token, to a mobile terminal, and to a server for generating a payment token. The operations performed by the systems and methods include a prior step of pairing a payment instrument both to an identifier of a subscriber terminal and to a personal password, followed by a step of generating a payment token that is made secure by using the identifier and the personal password. The pairing and the generating of the secure payment token make it possible to verify that the token is used by that subscriber and by that subscriber's mobile terminal. The systems and methods may be used in payment systems based on payment tokens that have usage restrictions.

Abstract: The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol. The invention also provides the mobile terminal hosting the payment application and including a secure module hosting the encryption application.