| 摘要 |
A payment card (1) and payment card system in which all transactions are capable of authentication and validation by a central computer (41) by virtue of a variable personal identification number which is an inherent part of the transaction process, either by being required as confirmation of a transaction or as a part of the payment card (1) number itself, such identification number being determined by various means and characterised by the fact that it is determined by the cardholder and confirmed by a computer database, and by the fact that the identification number may not be reused for a subsequent transaction, thereby providing for an increase in the security of payment card (1), especially Internet and other remote transactions. <IMAGE>
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