Method and system for securing a payment carried out with the aid of a payment card

A method for securing a payment carried out with the aid of a payment card associated with card identification data and a security cryptogram, wherein the method includes an access step for accessing bank server-forming means forming a bank server for the dynamic generation of the security cryptogram for securing the payment.

The method according to claim 1, wherein the method includes an access step for accessing the bank server-forming means to activate the card.

The method according to claim 1, wherein the generation/activation is triggered at the user's initiative.

The method according to claim 1, wherein the access step includes:

• a step for the insertion of identification data by the user,
• a step for creating a voice connection between the user and the server-forming means, and
• a voice authentication step for voice authentication of the user to validate, or not validate, access to the server-forming means, by the latter.

The method according to claim 4, wherein the step for insertion by the user of identification data comprises a step for the introduction by the latter of a connection code.

The method according to claim 5, wherein the connection code has been provided to the user by the server-forming means, during the registration of that user in the server-forming means.

The method according to claim 4, wherein the step for creating a voice connection between the user and the server-forming means includes a step for calling the identified user at a preregistered telephone number.

The method according to claim 4, wherein the voice authentication step includes determining the user's voice print in order to authenticate, or not authenticate, that user.

The method according to claim 4, wherein the voice authentication step includes the acquisition, by the server-forming means, of pre-established messages dictated by the user and comparing those acquired messages to messages pre-recorded in the server-forming means by the user, to authenticate, or not authenticate, that user.

A system for securing a payment carried out with the aid of a payment card associated with card identification data and a security cryptogram for implementing a method according claim 1, wherein the system includes accessing means for accessing bank server-forming means for the dynamic generation of the security cryptogram for securing the payment.