METHODS AND DEVICES FOR CONDUCTING PAYMENT TRANSACTIONS

摘要

The invention relates to methods and devices for of conducting a payment transaction between a mobile terminal (12) and a payment terminal (20) in communication with a payment backend system (50), wherein the method comprises the following steps: (a) sending a unique mobile terminal identifier from the mobile terminal (12) to the payment backend system (50); (b) re- turning a cryptogram from the payment backend system (50) to the mobile terminal (12), wherein the cryptogram comprises a unique transaction identifier in encrypted form; (c) transforming the cryptogram into a proximity payment token such that the proximity payment token contains the unique transaction identifier in encrypted form and transmitting the proximity payment token to the payment terminal (20) via a proximity communication channel; (d) forwarding a transaction record including the unique transaction identifier in encrypted form and the amount of the payment transaction from the payment terminal (20) to the payment backend system (50); and (e) decrypting the unique transaction data identifier in encrypted form and processing the payment transaction by the payment backend system (50).