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: 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: The invention concerns a system (1) and a device for storing and processing data during a purchasing operation by a consumer. The system comprises at least a mobile tool (2) provided with a keyboard (15) associated with the consumer and at least a sales outlet terminal (4), the mobile tool and the terminal comprising means (9, 10) for exchanging data between them during the purchasing operation. The mobile tool further comprises means (3) for storing the consumer's behavioural and loyalty data means (13) for updating said behavioural and loyalty data based on data derived from the terminal and means for transmitting to said terminal data corresponding to said update and displaying and navigating means (14, 8, 15). The terminal comprises means for transmitting benefits obtained when certain predetermined conditions are fulfilled on the data corresponding to said update.

Abstract: The invention concerns a system (1) for receiving, storing and processing electronic vouchers for a consumer equipped with a mobile telephone or a personal digital assistant (2). The mobile tool comprises means (12, 5, 7) for exchanging data with a payment terminal (3) during a purchasing operation, based on an offer of electronic vouchers corresponding to discounts. At least an electronic voucher is received and stored in a storage unit (6) of the mobile tool, the codes (15) of the purchased articles (16) are read at the payment terminal and the list of vouchers stored in the mobile tool is transmitted to the payment terminal. The list of vouchers is compared with the list of purchased articles and if one or several articles are identified for which vouchers exist, the amount of discount(s) corresponding to said vouchers is automatically deducted from the total amount of purchased articles.