Offloading a signing operation on a user device

A system for offloading an operation to a user device, the system comprising:

• one or more memories;
• and
• one or more processors, communicatively coupled to the one or more memories, configured to:
• receive, from a terminal device, a request associated with an exchange initiated at the terminal device,
• wherein the request identifies a medium associated with a payment and used in the exchange,
• wherein the operation is associated with the exchange, and
• wherein the terminal device is configured to perform the operation and to present a terminal-side user interface for performing the operation;
• obtain, from another device associated with the terminal device and based on the request, user information associated with the medium used in the exchange,
• wherein the user information identifies the user device associated with the medium;
• transmit, to the user device and to offload the operation to the user device, presentation information identifying content for the user device to use to perform the operation associated with completing the exchange,
• wherein the operation is not performed by the terminal device;
• receive, from the user device, operation information associated with a performance of the operation at the user device via a user-side user interface;
• and
• transmit, to the terminal device and based on receiving the operation information, a response that indicates the performance of the operation of the exchange.

A method of offloading an operation to a user device, comprising:

• receiving, by the user device and to offload the operation to the user device, presentation information that identifies content for a user-side user interface for performing the operation at the user device,
• wherein the operation is associated with an exchange initiated at a terminal device that is configured to present a terminal-side user interface for performing the operation,
• wherein the operation is for the exchange initiated at the terminal device,
• and
• wherein the presentation information is received based on:
• obtaining exchange information, associated with the exchange, that identifies a payment medium used in the exchange;
• and
• obtaining, from another device associated with the terminal device and based on the exchange information, user information associated with the payment medium that identifies the user device as being associated with the payment medium;
• presenting, at the user device and based on the content, the user-side user interface for performing the operation,
• wherein the operation is not performed by the terminal device;
• obtaining, by the user device and via the user-side user interface, a user input associated with a performance of the operation at the user device;
• and
• transmitting, by the user device, operation information associated with the performance of the operation of the exchange at the user device.