Abstract: A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Abstract: A method for transmitting data, implemented within a secured execution environment of an electronic device, called a trusted component, which is coupled to a cash register. The method includes transmitting, by using a payment terminal, a piece of data intended for cash register. The method includes, prior to transmitting the data: receiving, from the cash register, a first request for setting up a first secured communications channel with the trusted component; setting up the first secured communications channel by using at least one piece of data contained in the first request; receiving, from the payment terminal, a second request for setting up a second secured communications channel with the trusted component; and setting up the second secured communications channel with the payment terminal by using at least one piece of data of the second request.

Abstract: A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Abstract: A method of secure reception, in a card reader, of a piece of data entered into a terminal connected to the card reader. The method includes the following acts by the card reader: obtaining an encipherment reader key from the card reader; encrypting the encipherment reader key by using an authentic encipherment key shared between the card reader and an authentication server, delivering an encrypted reader key; sending the encrypted reader key to the authentication server for transmission of the reader key from the authentication server to the terminal; receiving an encrypted key sent by the authentication server, resulting from an encryption of a terminal key, obtained by the authentication server, by using the authentic key; and receiving encrypted data sent by the terminal, resulting from an encryption, by using at least the reader key and of the terminal key, of the at least one piece of data.

Abstract: A method for the transmission of data to a magnetic read head of a payment terminal. The method is implemented by an electronic device capable of generating a magnetic field representative of an encoding of the data to be transmitted, and the transmission of the data includes a plurality of emissions of a same sequence of standardized data. The standardized data is data representative of a payment means and is formatted according to the ISO/IEC 7813 standard. The method further includes transmitting secondary data that are emitted between two successive emissions of the sequence of standardized data.

Abstract: A method for processing transaction data, implemented by a communications terminal having a touch screen. The method includes: detecting a necessity of entering a piece of personal identification data; transmitting to a card reader connected to the communications terminal a request for supporting a display of a virtual keypad, the request comprising a piece of data representing a passage of the communications terminal from a “master” mode to a “slave” mode of operation, the slave mode leading to implementation of the method for processing transaction data under the exclusive control of the card reader; of entry, by the user on the virtual keypad, of the piece of personal identification data; and receiving, from the card reader, the piece of personal identification data.

Abstract: The invention relates to a method for processing transactional data representing a payment between a user (U) and a merchant (M), the method being implemented by an electronic device for processing transactions situated within a communications network. Such a method comprises: a step (100) for receiving a request for processing a transaction (ReqTT) coming from a merchant server (SerMar); a step (110) for obtaining a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar); a step (140) for transmitting a request for processing payment (ReqTrtPai) to a payment server (SerPai).

Abstract: A method for registering a user to a voice service. The method is implemented by an interface server and includes: obtaining, by using an electronic voice processing device including at least one component for capturing audio samples, at least one voice sample of the user; obtaining, from the at least one voice sample of the user, at least one information item for confirming consent of the user to the conditions for accessing the voice service; obtaining, from the voice sample, at least one information item associated with the user; and computing a reference voice print associated with the user.

Abstract: A method for processing a product or service purchase order, which is implemented within a voice-based electronic processing device including a capturing component for capturing voice orders and a sound broadcast component. The method includes: obtaining, using the capturing component, at least one item of data representing a voice-based purchase order, the purchase order emanating from the voice of a user and relating to the purchase of at least one product or service; authenticating at least one voiceprint representing the user based on the item of data representative of the purchase order; and if the at least one voiceprint representative of the user corresponds to a user authorized to make purchases using the voice-controlled electronic device, transmitting, to an electronic processing device to which the voice-controlled electronic device is connected, a request to obtain purchase authorization, the request including at least one item of data representing the payment transaction.

Abstract: A method for the processing, by a transaction-processing server, of a transaction at least partially initiated from a communications terminal connectable to the server by using a communications network. This method includes: creating a secured communications channel with the communications terminal; instantiation, within an execution server on the communications network, of a virtual payment terminal capable of exchanging information with the communications terminal by using the secured communications channel; and processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, the secure element being configured to exchange an identifier of the type of service.

Abstract: A method for processing a transaction, wherein the method is implemented by an electronic device for processing transactions, accessible via a communication network. The includes a transaction processing phase. The transaction processing phase: obtaining a contextual cryptographic fingerprint, previously generated during an authentication of a user on a communication terminal; verifying validity of the contextual cryptographic fingerprint in a blockchain including a set of cryptographic fingerprints; and validating a transaction when the verifying the validity of the contextual cryptographic fingerprint in a blockchain is positive.

Abstract: In the field of payment terminals, a new generation of feature-rich payment terminals is emerging. These payment terminals are mass-produced and the level of security provided for data entry operations is low because the primary function of these communication terminals is not the entry of sensitive data. As a result, the data relating to payment transactions entered via these payment terminals are entered with a level of security that is not adequate as regards the sensitivity of the data entered. Accordingly, a communication terminal is provided, which secures data entered via a user interface of a communication terminal, by transmitting them among a stream of dummy data, and by encrypting all data, those actually entered by a user and the dummy data, before the transmission thereof to a secure data processing device.

Abstract: The invention relates to a method for processing a recurring transaction for access to a good or to a service by a transactional processing device (DTT), the method comprising an initial step for obtaining a piece of data representing a processing instruction (iTrR) for processing a recurring transaction (TrR), the method being characterized in that it comprises: a step (100) for transmitting a message (Msg) of interrogation of a given type, said message (Msg) comprising at least one piece of identification data (Id) for identifying said recurring transaction, to a terminal (TermU) of a user having previously taken out a subscription for said good or said service; a step (110) for inserting said recurring transaction into a deferred processing database (BT-TD); transactional processing (120), depending on the occurrence of at least one of the following events: reception (130) of a message (Msg2) from said terminal (TermU) of said user; expiry of the deadline for carrying out said recurring transaction (14

Abstract: A method for processing a payment transaction implemented by an autonomous electronic device for processing payment transactions, called a payment kiosk. The payment kiosk includes a processor connected to at least one rendering device for rendering offers of items or services being vended and linked to at least one communications interface and to at least one contactless payment terminal. The a method includes: transmission, by a browser installed within the payment kiosk, of a request for obtaining contents made to a contents server; reception, by the browser, coming from the contents server, of an HTML content including at least one payment tag; processing the HTML content, delivering a view of the HTML content on the at least one rendering device; and preparation, by anticipation, by the contactless payment terminal, of at least one payment transaction as a function of data attributes of the at least one payment tag.

Abstract: A method for executing a user application is disclosed. The method is implemented within a communications terminal of the type having a trusted environment. The trusted environment has a secured storage space and a secured applications execution module. The method has: a step of reception, within the trusted environment, of an instruction for launching a user application; a step of transmission, to a server, of a request for executing said user application; a step of reception, from the server, by a video-rendering application that is executed within the trusted environment, of a video stream resulting from the execution, on the server, of said user application; and a step for displaying said video stream on a screen of said communications terminal accessible from said trusted environment.

Abstract: A method for processing at least one piece of payment method data, implemented within a payment terminal having a secured processor and a secured processing memory. Such a method includes: obtaining at least one piece of data representing a payment method used to carry out a transaction, called a piece of payment method data; anonymizing the piece of payment method data, delivering a piece of current anonymous identification data; and transmitting the piece of current anonymous identification data to an application for processing loyalty data.

Abstract: The technology relates to a method for creating a payment data structure called a payment container. The technology also relates to the use of such a payment container by means of a processing server. The method for creating is implemented by a communications terminal, and comprises: selection, by a user and via a man-machine interface, of at least one attribute of said container, comprising the selection of at least one attribute value for at least one of the following parameters: (a) category of beneficiary of the payment container and (b) beneficiary of the payment container. The method also comprises obtaining, by the communications terminal, of at least one piece of data representing a user's bank card; validation, by the user, of the creation of the payment container; and transmission, by said communications terminal, of said payment container to a payment container processing server.

Abstract: A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.

Abstract: The invention relates to a method for processing transaction data representing a payment made by a user through a communications terminal (TC). According to the invention, such a method comprises loading a virtual payment terminal (vPos) within a first secured memory space (SecSpace1) of the communications terminal (TC), said virtual terminal (vPos) taking the form of a software module recorded within a secured storage space of the communications terminal (TC); loading at least one virtual payment card (vCB) within a second secured space (SecSpace2); and processing, by the virtual payment terminal (vPos), of a payment transaction using said at least one virtual payment card (vCB).

Abstract: A method of management of loyalty identifiers. The method is implemented in a loyalty identifiers management server and includes a phase of initialization having an act of generating a general loyalty identifier for a preliminarily identified user, the general loyalty identifier being associated with a plurality of specific loyalty programs of the user. The proposed technique also relates to a method for processing loyalty data by a merchant's transaction device.