PROCESSING PAYMENTS

1 . A method of operating a payment terminal comprising: receiving an activation input, and in response thereto outputting a first wireless signal for communicating with an external payment device of a first type and a second wireless signal for communicating with an external payment device of a second type, wherein the first and second wireless signals are formatted in respective mutually different first and second protocols, receiving a reply to one of the first and second wireless signals and in response to the reply, terminating outputting of the other of the first and second wireless signals.

2 . The method of claim 1 , further comprising processing the reply to authenticate the external payment device to thereby establish a communication channel.

3 . The method of claim 1 , further comprising processing the reply to authenticate the external payment device, and after the processing step implementing the terminating step.

4 . The method of claim 1 , wherein the wireless signals comprise an NFC signal and a Bluetooth signal.

5 . The method of claim 1 , further comprising processing the reply to authenticate the external payment device to thereby establish a communication channel and receiving from the communication channel data indicative of a user; receiving, at an input, data indicative of a transaction amount and transferring the data indicative of a user and data indicative of a transaction amount to a server.

6 . The method of claim 1 , further comprising processing the reply to authenticate the external payment device to thereby establish a communication channel and receiving from the communication channel data indicative of a user and a one-time verifier for identifying a current transaction; receiving, at an input, data indicative of a transaction amount, transferring the data indicative of a user, data indicative of the one-time verifier and data indicative of a transaction amount to a server.

7 . The method of claim 6 , further comprising outputting a new one-time verifier over the communication channel.

8 . The method of claim 1 , further comprising communicating with a server information indicative of which of the first and second wireless signals is responded to.

9 . A payment terminal for communicating wirelessly with an external device having a processing device and a store holding instructions to control the processing device to cause the payment terminal to respond to an activation input to output a first wireless signal for communicating with an external payment device of a first type and a second wireless signal for communicating with an external payment device of a second type, wherein the first and second wireless signals are formatted in respective mutually different first and second protocols, and in response to receiving a reply to one of the first and second wireless signals to terminate outputting of the other of the first and second wireless signals.

10 . The payment terminal of claim 9 , further having a keypad for providing the activation signal, a display for displaying information under control of the processing device, and an output device for communicating with a server.

11 . The payment terminal of claim 9 , having a first wireless device configured to output the first wireless signal and a second wireless device configured to output the second wireless signal, both under control of the processing device.

12 . The payment terminal of claim 9 , further having a security device comprising a store for security keys, the security device being configured to use the keys to encrypt or decrypt data for use by the terminal.

13 . The payment terminal of claim 9 , having a personal area network device configured to output the first wireless signal.

14 . The payment terminal of claim 9 , having a near field communication device configured to output the second wireless signal.