Method for validating an electronic payment by a credit/debit card

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;
• receiving, at the electronic payment center, information associated with the purchase from the buyer;
• checking, by the electronic payment center, that the at least one PIN code which has been received by said electronic payment center from said buyer 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, 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.

A method for validating an electronic payment by a credit/debit card in a transaction system, comprising:

• 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;
• receiving, at the electronic payment center, information associated with the purchase from the buyer;
• checking, by the electronic payment center, that the at least one PIN code which has been received by said electronic payment center from 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, performing each 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 using at least one PIN code from the third party, wherein the third party is a prime owner of the credit/debit card.