Method and device for electronic payment, uses once only certificate generated by user and validated by return of confidential code sent to user for that transaction by bank

摘要

The payment system commences with the user generating a single-use certificate of payment at their terminal. The user receives on a second terminal, for example a mobile telephone, a confidential password which they then enter at their main terminal. If the information returned from the terminal corresponds to the information sent, the payment is validated.