| 摘要 |
A payment method without PIN code or signature between a seller and a user. A database (120) stores at least two customer personal identification items (121) from physically distinct elements, such as his mobile device (110) number, his mobile device ID, his loyalty card (112) number, his credit/debit card (111) number or a part of it (e.g. last 4 digits), his license plate (114) number or his face picture. When applicable, a customer purchase fingerprint (123) can also be used as a personal identification item. The customer purchase fingerprint is built using the customer's past purchases in a given seller and is made as unique as possible to allow its use as a personal identification item. A payment limit is defined for said seller. At the time of payment, the seller retrieves at least two personal identification items from physically distinct elements from the customer and checks in the database to validate the identity of the customer. In case of successful identification, and if the payment amount is below the payment limit, a payment can be processed with no PIN and no signature, using the customer payment means. |
