A Near Field Communication (NFC) terminal for performing secure payment processing of financial transactions, the terminal comprising:
- an NFC chip;
- a central processor programmed to execute payment application;
- a Universal Subscriber Identity Module (USIM) card comprising:
- a memory storing an electronic wallet applet and an authentication certificate applet;
- and
- a USIM processor;
- wherein the NFC chip is programmed to:
- receive transaction information from a payment terminal via NFC;
- transmit the transaction information to the electronic wallet applet executed by the USIM processor;
- receive processed transaction information and an electronic signature value from the electronic wallet applet executed by the USIM processor;
- and
- transmit to the payment terminal the processed transaction information and the electronic signature value of the transaction information;
- wherein the electronic wallet applet when executed by the USIM processor causes the USIM processor to:
- receive the transaction information from the NFC chip;
- call the payment application executed by the central processor and transmit the transaction information to the payment application executed by the central processor;
- receive the processed transaction information and the electronic signature value of the transaction information from the payment application executed by the central processor;
- and
- transmit the processed transaction information and the electronic signature value of the transaction information to the NFC chip;
- wherein the authentication certificate applet executed by the USIM processor causes the processor to:
- receive a request for the electronic signature value of the transaction information from the payment application executed by the control processor;
- generate the electronic signature value of the transaction information;
- transmit the electronic signature value of the transaction information to the payment application executed by the control processor;
- wherein the payment application when executed by the control processor causes the control processor to:
- upon receiving the call from the electronic wallet applet executed by the USIM processor, provide a User Interface (UI);
- receive a user password from a user via the UI;
- in response to receiving the user password, send the request for the electronic signature value of the transaction information to the authentication certificate applet executed by the USIM processor;
- receive the electronic signature value of the transaction information from the authentication certificate applet executed by the USIM processor;
- process the transaction information;
- and
- transmit the processed transaction information and the electronic signature value to the electronic wallet applet executed by the USIM processor.