Architecture for central e-commerce authorization and verification using multiple Keys/Pins storage and central action verification means. Action Verification is provided between Action Initiating Party (12) and a central Verification Authority (16), wherein action includes a transaction, message, command, approval, identification request, financial transaction and data transmittal. Wherein action is authorized and initiated by an Entity (14) which can be an individual, company, vendor or other organization, which authorizes by giving a PIN, the execution, processing or delivering of an action. The action can be requested and/or transmitted and/or delivered electronically or mechanically. Verification information is stored in a Verification Authority system, accessed by Entities and the Action Initiating parties. The Entity stores in the Verification Authority sets of Personal Identification Numbers (PINS/Keys), and as a verification option, personal data parameters. The Entity is also able to generate automatically multiple Entity PINs/Keys. Verification includes validation of Entity's identity and the authorization of an action by comparing action PINs/Keys to a PIN/Key stored in the Verification Authority.