Method for processing transactional data, corresponding device and program

A method comprising:

• remotely configuring a user's communication terminal with configuration data by an electronic device enabling the user's communication terminal to connect with a payment server over a communication network, the configuration data converting the user's communication terminal into a physical payment terminal for a specific merchant server dynamically during a transaction between the user's communication terminal and the specific merchant server, said configuring comprising:
• the electronic device receiving a first request for processing the transaction from the specific merchant server, said first request comprising data representing an identifier of the specific merchant server and an identifier of an electronic secured transaction-processing component embedded in the user's communication terminal, said electronic secured transaction-processing component having a communication interface enabling communication with a payment card;
• said first request being associated with a previous request for processing the transaction sent by the user's communication terminal to the specific merchant server prior to the first request sent by the specific merchant server, transmission of said first request being triggered by the specific merchant server receiving a piece of data, from the user's communication terminal, indicating presence of the electronic secured transaction-processing component and comprising said identifier of the electronic secured transaction-processing component;
• in response to receiving the first request:
• the electronic device obtaining data representing a payment parameter associated with said specific merchant server from a data structure based on the identifier of the specific merchant server received with the first request;
• the electronic device transmitting a request for processing payment to the payment server comprising the identifier of the electronic secured transaction-processing component to prepare the payment server for connection with the user's communication terminal;
• and
• the electronic device configuring the electronic secured transaction-processing component of the user's communication terminal dynamically during the transaction by transmitting to said electronic secured transaction-processing component, either directly or through the specific merchant server, the configuration data, which comprise said data representing the payment parameter associated with said specific merchant server and connection parameters, including an Internet Protocol (IP) address of the payment server, wherein the configuration data configure the electronic secured transaction-processing component to behave as the physical payment terminal for the specific merchant and connect to the payment server over the communication network;
• and
• the secured transaction-processing component of the user's communication terminal connecting with the payment server using the configuration data and then erasing the configuration data when the transaction is terminated.