Patent ID: 10614466

Abstract:
Method for managing on-line commercial transactions between a user and a seller of goods/services that interact through respective data processing systems communicating through a data network. The method includes: upon receipt, from a computer system of an institute issuing payment cards, of a request of transaction with debit on the payment card of the user coming from the seller of goods/services, having the computer system of the institute issuing the payment cards preliminarily requesting a confirmation of the transaction to the buyer through a mobile telephony terminal of the buyer, and, in case the confirmation of the transaction is received, having the computer system of the institute issuing the payment cards processing the transaction, whereas in case the confirmation of the transaction is denied, not processing the transaction and informing the seller. Both or one of the request of confirmation of the transaction or the confirmation of the transaction are sent through communication over a data channel with the mobile telephony terminal of the buyer.