Device and method for secure identification of a user

A portable payment or retail terminal with a jack connector for securing a transaction, the terminal comprising at least:

• a touch screen configured to at least input data or information;
• a first memory for storing a set of programs or sequence of instructions and at least a set of keys for authentication and/or ciphering non-readable from outside the terminal;
• a processor configured to execute at least the set of programs or sequence of instructions stored in the first memory;
• a first device, which is configured to be activated by the processor of the terminal to detect a cardholder mobile device used by a cardholder through a detection of wire/wireless communication device of the cardholder mobile device, the cardholder mobile device including at least a touch screen;
• a communication device configured to connect to the cardholder mobile device;
• and
• a transaction control module including an arrangement for configuring the terminal, wherein the transaction control module, when executed by the processor of the terminal, causes the processor of the terminal to perform at least actions including:
• launching an execution of an accessibility mode on a processor of the cardholder mobile device;
• transmitting a request to the cardholder mobile device for sending a personal identification number code (PIN code) to the terminal;
• and
• when receiving a communication from the cardholder mobile device including information, deciphering said information to obtain the PIN code, by the set of keys for authentication and/or ciphering, and validating the transaction,
• wherein the terminal further comprises at least:
• an operating system (OS) executed by the processor of the terminal and configured for creating a virtual machine if, when launching of the execution of the accessibility mode on the processor of the cardholder mobile device, the processor of the terminal checks that no accessibility mode application is installed on the cardholder mobile device, the created virtual machine being transmitted by the processor of the terminal to the cardholder mobile device so as to be installed on the cardholder mobile device by the processor of the cardholder mobile device;
• an instant-app which is pushed by the processor of the terminal from the terminal to the virtual machine running on the processor of the cardholder mobile device, which causes the processor of the cardholder mobile device to execute the accessibility mode on the cardholder mobile device, and
• wherein the terminal further comprises a sixth memory storing a set of keys,
• the set of keys stored in the sixth memory being non-readable from outside the terminal and matching with the set of keys stored in the first memory,
• the set of keys stored in the sixth memory being pushed by the processor of the terminal with the instant-app on the virtual machine running on the processor of the cardholder mobile device,
• the set of keys of the sixth memory being registered in a memory of the cardholder mobile device, and
• the set of keys stored in the sixth memory being used by the processor of the cardholder mobile device to secure exchange of data and/or information between the terminal and the cardholder mobile device.