Abstract: An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and accepts information about customer's financial account. Payment is authorized or processed for desired goods in a variable transaction amount that is not equal to the total price of the goods. Then the amount of the transaction is received from the customer and compared to the amount charged to the bank. If the two amounts match then the goods are shipped to the customer and if not already processed payment is settled.

Abstract: An apparatus and method for verifying the legitimacy of a financial instrument used by a shopper is disclosed. A seller accepts details about goods and services to be delivered, and information about a financial instrument to be used in a purchase by a shopper. Identifier information is send to a financial institution issuing the instrument. The legitimate user of the instrument must access the instruments issuer's database to obtain the identifier information and derive verification information needed to answer a question posed by the seller. If the shopper can prove possession of the verification information then the goods are shipped or delivered to the shopper and payment is settled. The questions used to prove the shopper has the verification information may come in a variety of forms such as simple math equations, anagrams, or word to symbol matching problems.

Abstract: An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and accepts information about customer's financial account. Payment is authorized for desired goods in two or more separate transactions, the amount of each transaction totaling the total price of the goods. Then the amount of each transaction is received from the customer and compared to the amount charged to the bank. If the two amounts match then the goods are shipped to the customer and payment is settled. In an alternative embodiment a ratio of the two amounts received from the customer is used rather than the amounts themselves to compensate for currency variations.

Abstract: An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and accepts information about customer's financial account. Payment is authorized for desired goods in a variable transaction amount totaling the total price of the goods. Then the amount of each transaction is received from the customer and compared to the amount charged to the bank. If the two amounts match then the goods are shipped to the customer and payment is settled.

Abstract: An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and accepts information about customer's financial account. Payment is authorized for desired goods in two or more separate transactions, the amount of each transaction totaling the total price of the goods. Then the amount of each transaction is received from the customer and compared to the amount charged to the bank. If the two amounts match then the goods are shipped to the customer and payment is settled. In an alternative embodiment a ratio of the two amounts received from the customer is used rather than the amounts themselves to compensate for currency variations.