With the payment system 02 of the present invention, a customer 06 may conduct a private and secure payment transaction (i) with a merchant 08 using a wireless device 12, (ii) with a merchant using a payment card 100, (iii) with a merchant using a bank card 130 (iv), with a merchant using any one of...http://www.google.fr/patents/US7890433?utm_source=gb-gplus-shareBrevet US7890433 - Private and secure payment system