METHOD FOR SECURE USE OF IDENTIFICATION CARDS

A method for approving or refusing a transaction is based on the use of an identification card having card data thereon, the card data identifying account information pertaining to the authorized user of the identification card. The method includes storing issuer secondary security data in association with the account information. A transaction approval request is received from a vendor, the transaction approval request including the card data and transaction secondary identifier (secondary ID) data. The transaction is refused if the transaction secondary ID data does not correlate properly to the stored issuer secondary security data. Optionally, a post-transaction confirmation request is issued if the transaction is not refused.