Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the use of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A virtual terminal receives virtual terminal kernel configuration data, configuring the terminal with a first public encryption key. The virtual terminal generates a second encryption key only known by the virtual terminal. The virtual terminal encrypts the second encryption key with the first public encryption key. The second encryption key is used to encrypt data for data transfer. The virtual terminal is associated with a secure element of a device that is outside the normal processor of the device. The secure element is designed for encryption.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the establishing of a virtual terminal for touchless transfer of data, encryption of the data, and rewrapping the data in a way to protect the personal information of a user on the device and in transfer, while still providing the information to a server for further processing.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the configuring of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A server transmits virtual terminal kernel configuration data to the virtual terminal, configuring the terminal with a first public encryption key used to encrypt a second encryption key only known by the terminal. The second encryption key is used to encrypt data for data transfer. The server device is able to decrypt the second encryption key by using a third private encryption key that corresponds to the first public encryption key.