Abstract: A secure credit/debit card is identical to an ordinary credit/debit card in terms of dimensions and functionality. A user can use this card at a business vendor's location by swiping the card on a conventional credit card reader and signing the receipt. The only distinguishing feature of this card is that its account number contains a unique string of digits. Each secure credit/debit card is assigned an electronic identification device that is carried by the user of the card. When a user, attempting to make online payment using a network access device (computer, cell phone, personal digital assistant, etc.), types in the account number and the expiration date of a secure credit/debit card, the online vendor's server computer recognizes the aforementioned unique string of digits in the account number and requests the credit/debit card issuing bank's server computer to approve the transaction.