Patent ID: 7270265

Claim:
A process for managing an electronic transaction with a trader by means of a bank card of the category with a microprocessor chip and of a reading terminal able to interact with said card, in which the reading terminal sends a signal to said card which indicates thereto an amount of the transaction and in which said card performs a first comparison where the chip card compares this amount with a first threshold value and instigates a bearer authentication procedure when this amount is above said first threshold, wherein, when the amount of the transaction is below said first threshold, said chip card performs a second comparison where the chip card compares with a second threshold value an incremented value of a first counter, said first counter being an aggregate of small amounts counter and being successively incremented by values of amounts of transaction in cases where said amounts are below said first threshold, said incremented value corresponding to the previous value of said first counter, incremented by the value of the amount of transaction, and wherein a procedure for authenticating the bearer of the card is instigated by said card depending on the result of this second comparison, wherein the first counter automatically stores said incremented value when the value of the amount of the transaction is below the first threshold, the amount thus incremented being submitted by the card to the bank for debit of the bearer's account when a procedure for authenticating the bearer of the card is instigated.