Method for hub and spokes pan entry and payment verification

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.