METHOD FOR VALIDATING AN ELECTRONIC PAYMENT BY A CREDIT/DEBIT CARD
First Claim
1. A method for validating an electronic payment by a credit/debit card in a transaction system, comprising:
- registering a purchase of at least one article by a buyer using a credit/debit card associated with at least one PIN code at a seller terminal connected to an electronic payment center by a communication network;
checking, by the electronic payment center, that the at least one PIN code which is provided by said buyer to said electronic payment center 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, wherein the third party is a prime owner of the credit/debit card.
2 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A method for validating an electronic payment by a credit/debit card in a transaction system, comprising:
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registering a purchase of at least one article by a buyer using a credit/debit card associated with at least one PIN code at a seller terminal connected to an electronic payment center by a communication network;
checking, by the electronic payment center, that the at least one PIN code which is provided by said buyer to said electronic payment center 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, wherein the third party is a prime owner of the credit/debit card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for validating an electronic payment by a credit/debit card in a transaction system, comprising:
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registering a purchase of at least one article by a buyer using a credit/debit card associated with at least one PIN code at a seller terminal connected to an electronic payment center by a communication network;
checking, by the electronic payment center, that the at least one PIN code which is provided by said buyer to said electronic payment center 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
after the at least one PIN code is found to be valid, one of;
checking, by said electronic payment center, whether the electronic payment center has received a pre-validation from a third party; and
contacting a third party via a communication network and requesting that the third party validate the purchase, wherein the third party is a prime owner of the credit/debit card. - View Dependent Claims (12, 13, 14)
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15. A method for validating an electronic payment by a credit/debit card in a transaction system, comprising:
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registering a purchase of an article by a buyer using a credit/debit card associated with at least one PIN code at a seller terminal connected to an electronic payment center by a communication network, checking, by the electronic payment center, that the at least one PIN code provided by said buyer is associated with a 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
after the at least one PIN code is found to be valid, one of;
checking, by said electronic payment center, whether the electronic payment center has received a pre-validation from a third party; and
contacting a third party via a communication network and requesting that the third party validate the purchase, wherein the third party is a prime owner of the credit/debit card. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification