Data transfer using a virtual terminal

A computing device, comprising:

• one or more memories;
• and
• one or more processors in communication with the one or more memories and configured to execute instructions stored in the one or more memories to cause the computing device to:
• receive, by a first application on the device, a reader token, the reader token comprising a terminal profile identifier;
• initialize, by the first application, a reader of the computing device based at least in part on the reader token, the reader configured for one or more data transfers;
• initializing, by the reader, a virtual terminal in a secure element of the computing device;
• receive, at a first user interface of the first application, a request for a data transfer of the one or more data transfers, the request comprising a transfer value corresponding to the data transfer;
• present, on a second user interface by the reader, a representation of the request for the data transfer;
• receive, via the reader, data corresponding to the data transfer, the data comprising the transfer value and account information;
• transmit, by the reader, the received data to the virtual terminal;
• receive, by the reader from the virtual terminal, encrypted data corresponding to the received data;
• transmit, by the reader, the encrypted data to the first application;
• and
• present, via the second user interface, a visual representation of a response to the request for the data transfer, the response received by the first application.

A non-transitory computer-readable storage medium having stored thereon program instructions that, when executed by one or more processors of a user device, cause the user device to perform operations comprising:

• receiving, by a first application on a user device, a reader token, the reader token comprising a terminal profile identifier;
• initializing, by the first application, a reader of the user device based at least in part on the reader token, the reader configured for one or more data transfers;
• initializing, by the reader, a virtual terminal in a secure element of the user device;
• receiving, at a first user interface of the first application, a request for a data transfer of the one or more data transfers, the request comprising a transfer value corresponding to the data transfer;
• presenting, on a second user interface by the reader, a representation of the request for the data transfer;
• receiving, via the reader, data corresponding to the data transfer, the data comprising the transfer value and account information;
• transmitting, by the reader, the received data to the virtual terminal;
• receiving, by the reader from the virtual terminal, encrypted data corresponding to the received data;
• transmitting, by the reader, the encrypted data to the first application;
• and
• presenting, via the second user interface, a visual representation of a response to the request for the data transfer, the response received by the first application.