Method for processing a transaction from a communication terminal

A server for processing transactions at least partially initiated from a communications terminal connected to said server by using a communications network, wherein the server comprises:

• a processor;
• and
• at least one non-transitory computer-readable medium comprising computer-implemented instructions executable by the processor, which configure the server to perform acts comprising:
• creating a secured communications channel with said communications terminal;
• instantiation, within an execution server on said communications network, of a virtual payment terminal capable of exchanging information with said communications terminal by using said secured communications channel;
• processing transactions between the communications terminal and said virtual payment terminal implementing at least one secure element of said communications terminal, said secure element being configured to exchange an identifier of the type of service.

A non-transitory computer-readable medium comprising a computer program product stored thereon, which comprises program code instructions for executing a method of processing a transaction, at least partially initiated from a communications terminal connectable to said server by using a communications network, when the instructions are executed by a processor of a transaction-processing server, wherein the instructions configure the transaction-processing server to perform acts comprising:

• creating a secured communications channel with the communications terminal;
• instantiation, within an execution server on said communications network, of a virtual payment terminal capable of exchanging information with said communications terminal by using said secured communications channel;
• processing a transaction between the communications terminal and the virtual payment terminal implementing at least one secure element of the communications terminal, said secure element being configured to exchange an identifier of the type of service, said processing a transaction comprising :
• reception, from said virtual payment terminal, of an identifier representing a type of said transaction to be processed, an index representing a set of data useful for the processing of said transaction and a personal identification number entered into said communications terminal;
• verifying that there is a match between said personal identification number entered and a personal identification number expected for said type of transaction to be processed;
• when said verification is positive, obtaining data for continuance of the transaction, as a function of said identifier representing the type of said transaction to be processed and said index representing a set of data useful for the processing of said transaction;
• transmitting said set of data to a third-party server capable of carrying out the transaction.