Abstract: A system to authenticate electronic payment of items allocated among multiple sources of financing. The system includes a payment medium unique to the bearer aimed to be presented to an existing payment terminal, a payment server, a supplemental purchase terminal, and a supplemental data storage device. The supplemental data storage device includes a bearer/financing database, a merchant/article database, and a charging rules and checks database. The payment server allocates the price of the item between the available sources of financing based on the applicable rules in proportion determined by the rules. The payment server generates and stores a report successively for each charge upon a request. The report associates each charge to the rules for allocating the cost, the conditions of purchase and the data associated with the results of the check, thereby permitting verification of each charge to prevent fraudulent use of the payment medium.

Abstract: The invention relates to a method of payment by a bearer to a merchant by virtue of a means of payment, characterized in that there is carried out by successive charges, for each product, good or service presented for purchase, a charge operating between several sources of financing, and consisting of a debit from one of the sources of financing or a transfer from one of these sources of financing; and in that, with each charge, data stored in the means of payment and/or in databases of a payment server are read, these data being accessible through a link to a central system or on a local replication, said data being used by the payment server to select and then collate charging and checking rules, defined, for each source of financing, by the bearer of the means of payment or by the financer with data dependent on the characteristics: of the good, of the product or of the service presented for purchase of the conditions of the purchase, comprising for example the data, material checks made at the time of pur