Device and method for securely identifying a user

Abstract

The present invention relates to a portable payment or retail terminal with a jack connector and a method for securely identifying a cardholder, the terminal comprising a set of devices and arrangements for implementing the method, the method comprising at least: detecting the presence of a jack for connecting a cardholder's headset in a connector inserted into the terminal, triggering execution of an accessibility mode allowing cardholder identification, the method being characterized in that it comprises at least: disrupting and keeping the screen in black during a sequence of the accessibility mode, generating a key chain comprising a set of keys for PIN / SNL input, assigning a key value corresponding to the length d of the displacement of the finger; selecting a sound corresponding to the key assigned the displacement from a pre-registered audio signal corresponding to each key of the key chain, and emitting the sound toward the cardholder's headset through the jack connector.

Description

Technical Field

[0001] The present invention relates to the field of authenticating and / or controlling the identity of a user requesting a service or performing a transaction, and more precisely to a device and a method for identifying a person and also supporting visually impaired persons. Background Art

[0002] An object of the present invention is to improve security when a user enters an identification code, such as a PIN code, on a touch screen.

[0003] Typically, a screen displays a personal identification keypad (PIN keypad) having numbers or the like for each key, and the user selects each key corresponding to each value for each digit of the PIN code.

[0004] During this operation, any third party can observe and store a PIN code of up to 12 digits (usually 4 or 6 digits), which then allows a fraudulent third party to combine this information with other information to make fraudulent withdrawals on the account.

[0005] An example of the disadvantages of this solution is shown by EP 2 791 845 .

[0006] Until now, terminal manufacturers have been providing protection for the displayed portion from the possibility of observing the key values. This solution is not completely effective and has the disadvantage of increasing the bulk of the terminal.

[0007] According to US 8 392 846, another attempt to solve this problem is to display a virtual PIN keypad at a varying position on the touch screen in order to prevent fraud or interception of personal identification. However, each step can still be observed by a camera and by viewing the image, a fraudulent third party can access the information. The solution of the present invention is able to prevent this disadvantage. Summary of the invention

[0008] It is an object of the present invention to obviate certain disadvantages of the prior art by providing a means for securely authenticating or controlling the identity of persons including visually impaired persons.

[0009] The object is achieved by a portable payment or retail terminal with a jack connector for secure identification of a cardholder, the terminal comprising at least:

[0010] • a first memory for storing a sequence of instructions representing an accessibility mode and executed by the terminal;

[0011] • Authentication arrangement for implementing the authentication process for the cardholder by entering a PIN or a sequence of numbers and letters (SNL);

[0012] first detection means for detecting the presence of a jack in the connector for connecting a headset of the card holder and comprising an arrangement for generating an electrical signal for triggering execution of the accessibility mode;

[0013] • second detection means to detect each time a finger of the headset owner touches the screen by the position of the finger on the screen;

[0014] The terminal is characterized by:

[0015] • it comprises an arrangement connected to the authentication arrangement for scrambling and keeping the screen black during all sequences of the accessibility mode;

[0016] • the authentication arrangement comprises a program to generate at least one set of key chains stored in a "chain file" of the terminal (1) for PIN / SNL input, each key chain comprising a set of keys (20), said keys (20) being randomly distributed within said key chain;

[0017] the second detection means comprising a length d arranged to detect a displacement of a finger on the screen and connected to the authentication arrangement so as to transmit a signal corresponding to the length d indicating whether a displacement has occurred, depending on a comparison of the value of said length d with a stored threshold value;

[0018] • the authentication arrangement comprises a classification module to retrieve the key chain in a stored chain file when receiving a signal indicating a displacement, so as to assign a key value corresponding to the length d of the displacement of the finger, and an audio arrangement (17) connected to the terminal (1) in which pre-recorded audio signals corresponding to each key of the key chain are stored, so as to select the sound corresponding to the key assigned the displacement and emit the sound through the jack connector towards the headset of the cardholder;

[0019] • It includes a program to repeat these actions until the user listening to the value of the digits or characters of the PIN / SNL removes his finger from the screen, and then stores the last value indicated as feedback as the digit of the PIN / SNL in a second memory included in the terminal.

[0020] According to another feature, the portable payment includes a controller including at least:

[0021] second detection means connected to the screen of the terminal in order to capture data relating to the position of the finger when the said screen is touched and to record them in a third memory;

[0022] position generator means comprising an arrangement for generating data corresponding to respective positions on the screen, said respective positions being recorded in a fourth memory;

[0023] • a processor and a fifth memory comprising a set of programs executed on said processor in order to prevent the touch screen from displaying a chain of keys having key positions determined by data generated by the position generator means;

[0024] A set of programs in the fifth memory of the controller includes at least:

[0025] • a comparison algorithm to compare the data corresponding to the touch area recorded in the third memory with the data representing each position of the screen generated by the position generator means and recorded in the fourth memory;

[0026] • an audio algorithm to generate an audible signal in a headset connected to the jack corresponding to the value of the key;

[0027] A first iteration algorithm to repeat the comparison algorithm and the audio algorithm until the user who hears the expected value removes his finger from the screen, which triggers the storage of the value as a first number in the memory;

[0028] • A second iterative algorithm to further repeat the first iterative algorithm whenever the authentication arrangement receives a new touch detection signal and as long as the number of stored digits is below the maximum number of digits contained in the PIN code or identification code.

[0029] According to another feature, the first detection means are connected to the processor of the controller in order to transmit an electrical signal for triggering the accessibility mode.

[0030] According to another feature, the processor of the controller is connected to the first memory for downloading and executing a sequence of instructions representative of the accessibility mode upon receipt of said electrical signal.

[0031] According to another feature, the processor of the controller is connected to the authentication arrangement so as to transmit an activation signal thereto when the accessibility mode is turned on, the authentication arrangement generating a keystroke chain for identifying the cardholder after receiving said activation signal.

[0032] According to another feature, the controller transmits a set of data comprising at least the position values ​​generated by the position generator means to the authentication arrangement, which generates a key chain at the position of the screen based on the set of data.

[0033] According to another feature, the second detection device includes an arrangement to measure the displacement of the finger from a given initial position on the screen, the length of which is characterized by a value d, and the length d is compared with a threshold value stored in the second detection device, and if the length d is greater than the threshold value, a signal is transmitted to the authentication arrangement to indicate that there is a displacement of the finger, on the contrary, if the length d is less than the threshold value, the second detection device deems that no displacement of the finger has occurred, and a signal indicating that there is no displacement of the finger is transmitted to the authentication arrangement.

[0034] According to another feature, the authentication arrangement is connected to the second detection means in order to retrieve the key chain in the chain file when said second detection means detects a finger on the screen.

[0035] According to another feature, when the second detection means detects a displacement of a finger on the screen, the authentication arrangement assigns the value of a key in the chain of keys to the position of the finger.

[0036] According to another feature, the authentication arrangement comprises a key assignment module that generates a key list comprising information about each key in the key chain and the associated position, the key list being reused by the authentication arrangement if the user moves his finger in a given direction back to a previous position or moves his finger in another direction in order to correct or change the selection of a key.

[0037] According to another feature, the authentication arrangement comprises a program which determines in real time from the information contained in the list of keys the direction in which the finger is moved on the screen in order to check whether the user is moving said finger forwards or backwards or in any orientation.

[0038] According to another feature, it comprises a counter device connected to the authentication arrangement and to the second memory of the terminal, said counter device counting the number of digits stored in the second memory and, when said counted number matches a predetermined value of the number of digits recorded and representing the PIN / SNL, sending a signal to the authentication arrangement in order to perform the authentication process.

[0039] According to another feature, the first detection means is an electromechanical switch.

[0040] According to another feature, the first detection means is a sensor.

[0041] Another object of the present invention is to provide a process for secure authentication of users.

[0042] This object is achieved by a method for securely identifying a cardholder using a portable payment or retail terminal as described in the present application, the method comprising at least the following steps:

[0043] • Detect the presence of a jack in the connector inserted into the terminal for connecting the cardholder's headset;

[0044] • Trigger execution of accessibility mode that allows cardholder identification;

[0045] • Whenever the cardholder touches the screen, detect the position of the cardholder’s finger on the screen;

[0046] The method is characterized in that it comprises the following steps:

[0047] •Scramble and keep the screen black during the accessibility mode sequence;

[0048] • Generate a key chain including a set of keys that will not be displayed on the terminal's screen at a location used for PIN / SNL entry;

[0049] Detecting the length of the displacement of the finger on the screen and transmitting a signal corresponding to the length d to indicate whether the displacement has occurred, depending on the comparison of the value of the length d with a stored threshold value;

[0050] • when a signal indicating displacement is received, the key chain is retrieved in the stored chain file to assign a key value corresponding to the length d of the displacement of the finger, and a sound corresponding to the key assigned the displacement is selected from the pre-recorded audio signal corresponding to each key of the key chain, and the sound is emitted toward the headphone of the cardholder through the jack connector;

[0051] • Repeat the detection and retrieval steps until the finger is removed from the screen;

[0052] • When the finger is removed, the last value is stored as the digit of the PIN / SNL.

[0053] According to another feature, the method for secure identification further comprises at least the following steps:

[0054] • Generate a set of data corresponding to each position on the screen;

[0055] • Based on a subset of the set of data generated for each position, generate a key chain at the position on the screen.

[0056] According to another feature, the step of detecting the position of the finger on the screen comprises at least capturing and recording data related to the position of the finger when the screen is touched. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] Other features and advantages of the present invention will become more apparent from the following description given with reference to the accompanying drawings, in which:

[0058] - Figure 1A , Figure 1B are schematic diagrams of components of a portable payment or retail terminal and a controller, respectively, according to one embodiment;

[0059] - Figure 2a , Figure 2b is a schematic diagram of a PIN entry on a black scrambled screen according to one embodiment;

[0060] - Figure 3 is a schematic diagram of some of the steps of a method for securely identifying a user via a portable payment or retail terminal. DETAILED DESCRIPTION

[0061] The present invention relates to a portable payment or retail terminal (1) for securely identifying users, including visually impaired users, during transactions.

[0062] In some embodiments, a portable payment or retail terminal (1, Figure 1A ), the terminal (1) at least comprises:

[0063] • a first memory (13) for storing a sequence of instructions representing an accessibility mode and executed by the terminal (1);

[0064] • an authentication arrangement (12) for implementing an authentication process for a cardholder by entering a PIN code or a sequence of numbers and letters (SNL);

[0065] first detection means (11) for detecting the presence of a jack for connecting a headset of a card holder inserted in the connector and comprising an arrangement for generating an electrical signal for triggering execution of the accessibility mode;

[0066] • A second detection device (101), such as Figure 1B As shown, whenever the headphone owner's finger touches the screen (14), the position of the finger on the screen (14) is detected;

[0067] The terminal (1) is characterized in that:

[0068] • it comprises an arrangement connected to the authentication arrangement (12) for disrupting and keeping the screen (14) black during all sequences of the accessibility mode;

[0069] • the authentication arrangement (12) comprises a program to generate at least one set of key chains stored in a chain file of the terminal (1) for PIN / SNL input, each key chain comprising a set of keys (20) such as Figure 2a or Figure 2b As shown, the keys (20) are randomly distributed in the key chain;

[0070] a second detection device (101) comprising a length d or an orientation arranged to detect a displacement of a finger on the screen and connected to an authentication arrangement (12) in order to transmit a signal corresponding to the length d or the orientation angle to indicate whether a displacement has occurred, depending on a comparison of the value of said length d or said orientation angle with a stored threshold value;

[0071] • the authentication arrangement comprises a classification module to retrieve the key chain in a stored chain file when receiving a signal indicating a displacement, so as to assign a key value corresponding to the length d or the orientation angle of the finger, and an audio arrangement (17) connected to the terminal (1) in which pre-recorded audio signals corresponding to each key of the key chain are stored, so as to select the sound corresponding to the key assigned the displacement and emit the sound through the jack connector towards the headset of the cardholder;

[0072] • It includes a program to repeat these actions until the user who listens to the value of the digits or characters of the PIN / SNL removes his finger from the screen (14), and then stores the last value indicated as feedback as the digit of the PIN / SNL in a second memory (15) included in the terminal (1).

[0073] By key chain we mean a given number of numbers or characters in succession.

[0074] The key chain may include at least keys (20) with values ​​from 0 to 9 or letters from A to Z or both. For example, but not limited to, the generated chain may be "3241569807".

[0075] Each time the user touches the screen after selecting the digits of his PIN / SNL, the terminal will retrieve a new keychain from the chain file.

[0076] Once the user has selected a value for a key (20), a double-click gesture of the finger allows validating said selection.

[0077] As no keys or keypad are displayed on the screen (14), it is apparent that the terminal described in this application provides a secure way of authenticating transactions.

[0078] In addition, since the screen remains black and the user only needs to move a finger on the screen to select a key (20) or a number, the terminal can be used by both normal users and visually impaired users.

[0079] For example, a transaction is a payment for a product or service.

[0080] In some embodiments, the second detection device (101) includes an arrangement to measure a displacement or movement of a finger on the screen from a given initial position or orientation, the length of the displacement or movement being characterized by a value d or an orientation angle. The length d or the orientation angle is compared with a threshold value stored in the second detection device (101). If the length d or the orientation angle is greater than the threshold value, a signal is transmitted to the authentication arrangement to indicate that there is a displacement of the finger. If, on the contrary, the length d or the orientation angle is less than the threshold value, the second detection device (101) considers that no displacement of the finger has occurred and transmits a signal indicating that there is no displacement of the finger to the authentication arrangement.

[0081] In some embodiments, the portable payment or retail terminal (1) includes a controller (10), such as Figure 1B As shown, the controller (10) comprises at least:

[0082] a second detection device (101) connected to the screen (14) of the terminal (1) so as to capture data relating to the position of a finger when the screen (14) is touched and record it in a third memory (104);

[0083] Position generator means (102) comprising means arranged to generate data corresponding to respective positions on the screen (14), said respective positions being recorded in a fourth memory (105);

[0084] a processor (100) and a fifth memory (103) comprising a set of programs executed on the processor (100) in order to prevent the screen (14) from displaying a key chain having a key (20) position determined by data generated by the position generator means (102);

[0085] The set of programs in the fifth memory of the controller (10) at least includes:

[0086] • a comparison algorithm to compare the data corresponding to the touch area recorded in the third memory with the data representing each position of the screen generated by the position generator means and recorded in the fourth memory;

[0087] • an audio algorithm to generate an audible signal in a headset connected to the jack corresponding to the value of the key (20);

[0088] A first iteration algorithm to repeat the comparison algorithm and the audio algorithm until the user who hears the expected value removes his finger from the screen (14), which triggers the storage of the value as a first number in the memory;

[0089] • A second iterative algorithm to further repeat the first iterative algorithm whenever the authentication arrangement receives a new touch detection signal and as long as the number of stored digits is below the maximum number of digits contained in the PIN code or identification code.

[0090] In some embodiments, the first detection device (11) is connected to the controller (10) so as to transmit an electrical signal for triggering the accessibility mode.

[0091] In some embodiments, a processor of the controller is connected to the first memory for downloading and executing a sequence of instructions representing the accessibility mode upon receipt of said electrical signal.

[0092] In some embodiments, the controller (10) is connected to the authentication arrangement (12) so as to transmit an activation signal thereto when the accessibility mode is turned on, and the authentication arrangement (12) generates a keystroke chain for identifying the cardholder after receiving the activation signal.

[0093] In some embodiments, the controller (10) transmits a set of data including at least the position value generated by the position generator device (102) to the authentication arrangement (12), and the authentication arrangement (12) generates a key chain at the position of the screen (14) based on the set of data.

[0094] In some embodiments, the authentication arrangement is connected to the second detection device so as to retrieve the key chain in the chain file when the second detection device (101) detects a finger on the screen. When the second detection device detects a displacement or movement of the finger on the screen, the authentication arrangement assigns the value of the key (20) of the key chain to the position of the finger. For example, but not limited to, when a first displacement or movement of the finger is detected on the screen, the authentication arrangement assigns the value of the first key (20) of the key chain (e.g., "2") to the position of the finger, and retrieves a pre-recorded sound or audio signal corresponding to key "2" from the audio arrangement and emits it through the user's headset, thereby indicating the value of the key (20). When the second detection device detects a second displacement of the movement of the finger from the last position, the authentication arrangement assigns the value of the second key (20) of the key chain (e.g., "7") to the position of the finger, and retrieves a pre-recorded sound or audio signal corresponding to key "7" from the audio arrangement and emits it through the user's headset, thereby indicating the value of the key (20), and so on, until the user selects and verifies a given value.

[0095] In some embodiments, the authentication arrangement includes a key assignment module (106) that generates a key list including information about each key (20) in the key chain and the associated position, the key list being reused by the authentication arrangement if the user moves his finger in a given direction or orientation back to a previous position or moves his finger in another direction in order to correct or change the selection of a key (20).

[0096] In some embodiments, the authentication arrangement comprises a program which determines in real time from the information contained in the key list the direction in which the finger is moving on the screen in order to check whether the user is moving the finger forwards or backwards or in any orientation.

[0097] In some embodiments, the portable payment or retail terminal (1) comprises a counter (16) device connected to an authentication arrangement (12) and a second memory (15) of the terminal (1), the counter (16) device counting the number of digits stored in the second memory (15) and, when the counted number matches a predetermined value of the number of digits recorded and representing the number of PIN / SNL digits, sending a signal to the authentication arrangement (12) to perform an authentication process.

[0098] In some embodiments, the first detection device is an electromechanical switch.

[0099] In some embodiments, the first detection device is a sensor.

[0100] The invention also relates to a method for identifying a visually impaired user in an apparatus comprising (in the present application) a terminal (1) as described above.

[0101] In some embodiments, a method for securely identifying a cardholder using the portable payment or retail terminal (1) as described above comprises at least the following steps: Figure 3 ):

[0102] • detecting the presence of a jack for connecting the cardholder's headset in a connector inserted into the terminal (1);

[0103] • Trigger execution of accessibility mode that allows cardholder identification;

[0104] • Whenever the cardholder touches the screen (14), detecting the position of the cardholder's finger on the screen (14);

[0105] The method is characterized in that it comprises the following steps:

[0106] •Scramble and keep the screen black during the accessibility mode sequence;

[0107] • generating a key chain comprising a set of keys (20) which will not be displayed on the screen (14) of the terminal (1) at a position for PIN / SNL input;

[0108] Detecting the length or orientation of the displacement of the finger on the screen and transmitting a signal corresponding to the length d or the orientation angle to indicate whether the displacement has occurred, depending on the comparison of the value of the length d or the orientation angle with a stored threshold value;

[0109] • when a signal indicating displacement is received, the key chain is retrieved in the stored chain file so as to assign a key value corresponding to the length d or orientation angle of the displacement of the finger, and a sound corresponding to the key assigned the displacement is selected from the pre-recorded audio signal corresponding to each key of the key chain, and the sound is emitted toward the headphone of the cardholder through the jack connector;

[0110] • Repeat the detection step and the retrieval step until the finger is removed from the screen (14);

[0111] • When the finger is removed, the last value is stored as the digit of the PIN / SNL.

[0112] In some embodiments, the method for secure identification further comprises at least the following steps:

[0113] • generating a set of data corresponding to each position on the screen (14);

[0114] • Based on a subset of the set of data generated for each position, generate a key chain at the position on the screen.

[0115] In some embodiments, the step of detecting the position of a finger on the screen (14) includes at least capturing and recording data related to the position of the finger when the screen (14) is touched.

[0116] The present application describes various technical features and advantages with reference to the accompanying drawings and / or various embodiments. Those skilled in the art will understand that, unless otherwise expressly stated, the technical features of a given embodiment may actually be combined with the features of another embodiment, or unless the combination does not provide a solution to at least one of the technical problems mentioned in the present application. In addition, unless otherwise expressly stated, the technical features described in a given embodiment may be isolated from other technical features of the embodiment.

[0117] It must be obvious to a person skilled in the art that the invention allows many specific forms of embodiment without departing from the field of application of the invention claimed. Therefore, the present embodiment must be considered illustrative, but can be modified in the area defined by the scope of the appended claims, and the invention is not necessarily limited to the details given above.

Claims

1. A portable payment or retail terminal (1) having a jack connector for securely identifying a cardholder, the terminal (1) comprising at least: • a first memory (13) for storing a sequence of instructions representing an accessibility mode and executed by the terminal (1); • an authentication arrangement (12) for carrying out an authentication process for the cardholder by entering a PIN code or a sequence of numbers and letters, namely, the SNL; first detection means (11) for detecting the presence of a jack in said connector for connecting a headset of a card holder and comprising an arrangement for generating an electrical signal for triggering the execution of said accessibility mode; • second detection means (101) for detecting, whenever a finger of the headset owner touches the screen (14), the position of said finger on said screen (14); The terminal (1) is characterized in that: • it comprises an arrangement connected to said authentication arrangement (12) for disturbing and maintaining said screen (14) in black during all said sequences of said accessibility mode; • the authentication arrangement (12) comprises a program to generate at least one set of key chains stored in a chain file of the terminal (1) for PIN / SNL input, each key chain comprising a set of keys (20), the keys (20) being randomly distributed within the key chain; the second detection means (101) comprising a length d arranged to detect a displacement of the finger on the screen and connected to the authentication arrangement (12) so as to transmit a signal corresponding to the length d to indicate whether a displacement has occurred, depending on a comparison of the value of the length d with a stored threshold value; • the authentication arrangement comprises a classification module to retrieve the key chain in the stored chain file when receiving the signal indicating the displacement so as to assign a value to the key corresponding to the length d of the displacement of the finger, and to be connected to an audio arrangement (17) of the terminal (1) in which pre-recorded audio signals corresponding to each key of the key chain are stored so as to select the sound corresponding to the key assigned the displacement and to emit the sound through the jack connector towards the headset of the cardholder; • It includes a program to repeat these actions until the user who listens to the value of the digits or characters of the PIN / SNL removes his finger from the screen (14), and then stores the last value indicated as feedback as the digit of the PIN / SNL in a second memory (15) included in the terminal (1).

2. A portable payment or retail terminal (1) with a jack connector according to claim 1, characterized in that It comprises a controller (10), wherein the controller (10) comprises at least: a second detection device (101) connected to the screen (14) of the terminal (1) so as to capture data related to the position of the finger when the screen (14) is touched and record it in a third memory (104); Position generator means (102) comprising means arranged to generate data corresponding to respective positions on said screen (14), said respective positions being recorded in a fourth memory (105); a processor (100) and a fifth memory (103), the fifth memory (103) comprising a set of programs executed on the processor (100) in order to prevent the screen (14) from displaying a key chain with the position of the key (20), the key (20) position being determined by the data generated by the position generator means (102); The set of programs in the fifth memory of the controller (10) includes at least: • a comparison algorithm to compare said data corresponding to a touch area recorded in said third memory with said data representing each position of said screen generated by said position generator means and recorded in said fourth memory; • an audio algorithm to generate an audible signal corresponding to the value of the key (20) in a headset connected to the jack; a first iterative algorithm to repeat the comparison algorithm and the audio algorithm until the user, hearing his expected value, removes his finger from the screen (14), which triggers the storage of the value as a first number in the memory; • A second iterative algorithm to further repeat the first iterative algorithm each time the authentication arrangement receives a new touch detection signal and as long as the number of stored digits is below the maximum number of digits contained in the PIN code or identification code.

3. The portable payment or retail terminal (1) according to claim 2, characterized in that: The first detection device (11) is connected to the processor of the controller (10) so as to transmit the electrical signal for triggering the accessibility mode.

4. The portable payment or retail terminal (1) according to claim 2 or 3, characterized in that: The processor of the controller is connected to the first memory for downloading and executing the sequence of instructions representing the accessibility mode upon receipt of the electrical signal.

5. The portable payment or retail terminal (1) according to claim 2 or 3, characterized in that: The processor of the controller (10) is connected to the authentication arrangement (12) so as to transmit an activation signal thereto when the accessibility mode is turned on, and the authentication arrangement (12) generates the key chain for identifying the cardholder after receiving the activation signal.

6. The portable payment or retail terminal (1) according to claim 2 or 3, characterized in that: The controller (10) transmits a set of data including at least the position value generated by the position generator device (102) to the authentication arrangement (12), and the authentication arrangement (12) generates the key chain at the position of the screen (14) based on the set of data.

7. The portable payment or retail terminal according to claim 1, characterized in that: The second detection device (101) includes an arrangement to measure the displacement of the finger from a given initial position on the screen, the length of the displacement being characterized by a value d, the length d being compared with a threshold value stored in the second detection device (101), and if the length d exceeds the threshold value, a signal is transmitted to the authentication arrangement to indicate the presence of a displacement of the finger, if on the contrary, the length d is below the threshold value, the second detection device (101) considers that no displacement of the finger has occurred, and transmits a signal indicating no displacement of the finger to the authentication arrangement.

8. The portable payment or retail terminal (1) according to claim 1, characterized in that: The authentication arrangement (12) is connected to the second detection device (101) so as to retrieve the key chain from the chain file when the second detection device (101) detects the finger on the screen (14).

9. The portable payment or retail terminal (1) according to claim 7, characterized in that: When the second detection means (101) detects a displacement of the finger on the screen, the authentication arrangement (12) assigns the value of a key (20) of the key chain to the position of the finger.

10. The portable payment or retail terminal (1) according to claim 1, characterized in that: The authentication arrangement comprises a key assignment module (106) for generating a key list comprising information about each key (20) in the key chain and the associated position, the key list being reused by the authentication arrangement if the user moves his finger in a given direction back to a previous position or moves his finger in another direction in order to correct or change the selection of a key (20).

11. The portable payment or retail terminal (1) according to claim 10, characterized in that: The authentication arrangement comprises a program which determines in real time from the information contained in the key list the direction in which the finger is moved on the screen in order to check whether the user is moving the finger forwards or backwards or in any orientation.

12. The portable payment or retail terminal (1) according to claim 1, characterized in that: It comprises counter (16) means connected to the authentication arrangement (12) and the second memory (15) of the terminal (1), the counter (16) means counting the number of digits stored in the second memory (15) and, when the counted number matches a predetermined value of the number of digits recorded and representing the PIN / SNL, sending a signal to the authentication arrangement (12) to perform the authentication process.

13. The portable payment or retail terminal (1) according to claim 1, characterized in that: The first detection device is an electromechanical switch.

14. The portable payment or retail terminal (1) according to claim 1, characterized in that: The first detection device is a sensor.

15. A method for securely identifying a cardholder, using the portable payment or retail terminal (1) according to claim 1, the method comprising at least the following steps: • detecting the presence of a jack for connecting a cardholder's headset inserted into said connector of said terminal (1); • triggering execution of an accessibility mode allowing identification of said cardholder; • Whenever the cardholder touches the screen (14), detecting the position of the cardholder's finger on the screen (14); The method is characterized in that it comprises the following steps: • disrupting and maintaining the screen in black during the sequence of the accessibility mode; • generating a key chain comprising a set of keys (20) which will not be displayed on the screen (14) of the terminal (1) at a position for PIN / SNL input; Detecting the length of displacement of the finger on the screen and transmitting a signal corresponding to the length d to indicate whether a displacement has occurred, depending on a comparison of the value of the length d with a stored threshold value; • when a signal indicating displacement is received, a key chain is retrieved in the stored chain file so as to assign a key value corresponding to the length d of the displacement of the finger, and a sound corresponding to the key assigned the displacement is selected from pre-recorded audio signals corresponding to each key of the key chain, and the sound is emitted toward the headset of the cardholder through the jack connector; • repeating the detection step and the retrieval step until the finger is removed from the screen (14); • When the finger is removed, the last value is stored as the digit of the PIN / SNL.

16. The method for securely identifying a cardholder according to claim 15, characterized in that: It also includes at least the following steps: • generating a set of data corresponding to each position on the screen (14); • Based on a subset of the set of data generated for each location, generate the key chain at the location of the screen.

17. The method for securely identifying a cardholder according to claim 15, characterized in that: The step of detecting the position of the finger on the screen (14) comprises at least capturing and recording data related to the position of the finger when the screen (14) is touched.

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