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 process according to various aspects can be executed by a terminal for selecting an application executable at least in part by a secure module incorporated into the terminal, and may include a step for obtaining location information of the terminal, from a memory of the secure module, and a selection step of an application from the obtained location information.