Abstract: A system for performing electronic payment validation and authorization wherein a user of an electronic device transmits transaction data to an electronic payment validation and authorization system. The same user of the electronic device may nearly simultaneously transmit a cryptographic hash of transaction data to a merchant who uses a payment processing system to process the transactions. In this example, the payment-processing system may be an electronic payment system operated by the merchant and configured to accept transaction data generated by an electronic device. A payment processing system may cryptographically sign the hash and send the resulting data to an electronic payment validation and authorization system. After both data parts are received by an electronic payment validation and authorization system, validation and decryption may be performed and new transaction data which may include the user card data may then be sent to a payment processing system.