Patent ID: 8757478

Claim:
A method of conducting an electronic card payment between a merchant, having a merchant's device, and a cardholder, having a payment card and a cardholder's device, comprising: initiating a payment application in the merchant's device; receiving, into the payment application in the merchant's device from the merchant, purchase information payment and payment card information associated with the payment card, the payment card information comprising at least a first part of a personal account number (PAN) and purchase information; receiving, with a payment server, the payment card information entered in the merchant's device from the merchant's device; the receiving step triggering the payment server to: in the payment sever retrieving, from previously stored payment card information, at least one contact information associated with the received payment card information; and transmitting a request for PAN message from the payment server to the cardholder's device, using the contact information; receiving, with the payment server and as responsive action to the transmitting, a second part of the PAN from the card holder's device; concatenating the first and second parts of the PAN to a complete PAN in the payment server; and transmitting the purchase information and the complete PAN to a bank server conducting the card payment.