System and method for secure transactions using images

A system for authenticating a transaction, comprising:

• a server, the server configured to:
• receive a first transaction code from a smart device, the first transaction code corresponding to at least one pending transaction between a user and a merchant;
• receive a second transaction code from the merchant, the second transaction code corresponding to the at least one pending transaction between the user and the merchant;
• receive a smart device identifier, the identifier identifying the smart device, wherein the identifier corresponding to the user, a payment card, or both the user and the payment card;
• receive payment card information, including information corresponding to an owner of the payment card;
• receive at least one image, the at least one image corresponding to the payment card, the user, or both the payment card and the user;
• analyze the identifier to determine an entity associated with the smart device;
• determine whether the entity is the user;
• analyze the payment card information to determine whether the user is the owner of the payment card;
• associate the transaction code to the user;
• analyze the at least one image to determine whether the image is associated with the user, the payment card, the smart device, or any combination of the user, the payment card and the smart device;
• upon determining an association between the image and the user, and between the image and the smart device or the smart device and the user, send an authentication code to the smart device and to the merchant.