Importance

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Abstract

A method and apparatus for authorizing a transaction between a consumer and a merchant over a network where the anonymity of the consumer with respect to the merchant is maintained while still validating the authenticity of the consumer prior to completing the transaction. The method includes registering consumer payment information at a payment server and launching a charge slip application including securely transferring unique transaction information for display to the consumer. The consumer digitally signs the charge slip and encrypts the charge slip and consumer digital signature with a payment server key. The merchant digitally signs the encrypted charge slip data. The payment server authenticates the consumer, the merchant and the transaction details at the payment server and requests authorization of the transaction from a card processor. Upon approval, the payment server returns an approval and shipping information for the consumer to the merchant so that the transaction can be completed.

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First Claim