07769697 is referenced by 53 patents and cites 26 patents.

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.

Title
Method for validating an electronic payment by a credit/debit card
Application Number
11/530736
Publication Number
7769697 (B2)
Application Date
September 11, 2006
Publication Date
August 3, 2010
Inventor
Pascal Roy
Biot
FR
Patrick Michel
La Gaude
FR
Jean Francois Le Pennec
Nice
FR
Jacques Fieschi
St Laurent du Var
FR
Agent
Roberts Mlotkowski Safran & Cole P C
William Steinberg
Assignee
International Busniess Machines Corporation
NY, US
IPC
G06Q 99/00
View Original Source