Abstract: Digital product dissemination and sale occurs across a broad spectrum of distribution platforms making available a packaged digital product for wide spread public distribution. Execution of a packaged digital product on a purchasing consumer's personal computer provides opportunity to the user-consumer for purchase and delivery of the digital product. The user-consumer triggers a purchase step conducted automatically and directly between the personal computer and a bank network. A publishing merchant need not be involved in the purchase step other than receiving credit for the purchase in the credit card bank network. Delivery of the digital product following purchase occurs automatically and without use of cumbersome encryption keys.