公开(公告)号：FR2811787A1

公开(公告)日：2002-01-18

申请号：FR0105479

申请日：2001-04-24

Applicant: IBM CORP INTERNAT BUSINESS MAC

Inventor： FIESCHI JACQUES ,  MICHEL PATRICK ,  LE PENNEC JEAN FRANCOIS ,  ROY PASCAL

IPC: G06Q20/00 ,  G07F7/08 ,  G07F7/10 ,  G06F17/60

Abstract: A PIN code input by a buyer (10) to an electronic payment center is determined whether it corresponds to a predetermined number in the credit card provided by the buyer to a seller terminal (12). The center checks with specified user of mobile phone whether the PIN code is valid, if it corresponds to the predetermined number. An Independent claim is also included for system to validate an electronic payment by a credit card.

公开(公告)号：FR2811787B1

公开(公告)日：2003-04-04

申请号：FR0105479

申请日：2001-04-24

Applicant: IBM CORP INTERNAT BUSINESS MAC

Inventor： FIESCHI JACQUES ,  MICHEL PATRICK ,  LE PENNEC JEAN FRANCOIS ,  ROY PASCAL

IPC: G06Q20/00 ,  G07F7/08 ,  G07F7/10 ,  G06F17/60

Abstract: A method for validating an electronic payment by a credit/debit card in a transaction system. The method includes registering a purchase of an article by a buyer using a credit/debit card associated with at least one PIN code, checking that the at least one PIN code is associated with the number of said credit/debit card provided by said buyer to said seller terminal, checking, by said electronic payment center, whether or not said at least one PIN code is valid, and one of: after the at least one PIN code is found to be valid, checking, by said electronic payment center, whether the electronic payment center has received a pre-validation from a third party; after the at least one PIN code is found to be valid, contacting a third party via a communication network and requesting that the third party validate the purchase; and after the at least one PIN code is found to be valid, contacting a third party via a communication network and requesting said at least one PIN code from the third party. The third party is a prime owner of the credit/debit card.