Abstract: A method and device for conducting a secure transaction, where a buyer and seller have account information on an escrow server including assigned buyer and seller account identification numbers, the buyer and seller authenticate their identities using respective devices, the seller constructs an offer template using their seller device where the offer template includes the seller account number combined with information sufficient to identify the item(s) being sold, the item(s) price and the total amount of the transaction, the buyer communicates their buyer account number to the seller device, the seller combines the buyer account number with the offer template to create a digitally signed offer which is sent to the escrow server, the escrow server then generates and communicates an escrow code to the parties, whereupon payment authorization of the escrow transaction may be completed.