Secure electronic payment system, and using the authentication, to provide a method of performing a secure transaction (112). Merchant computer (104) sends a permit (authorization) request to the access control server (112). Access control server (112), in order to confirm the identity of the buyer to obtain, for example, authenticated by the electronic form or interactive voice response system (130). After that, the access control server sends the response to the merchant's computer. If the purchaser is authorized to access your account, settlement is processed by the merchant computer (104), transaction (transaction) is completed.