Abstract: A computer implemented system of automated intrinsic authorization of on-line electronic transactions is disclosed. The system involves the use of a merchant transaction tracking service that identifies the transaction, using a unique transaction identifier, and manages the authorization process. The merchant transaction tracking service also provides authentication of aspects of the transaction and its participants during the authorization process. The merchant need not contact the customer's credit card company directly, as a communication that includes the transaction identifier is embedded in the merchant's payment form. The payment form is transmitted to the customer, and then relayed to the credit card issuer. Authentication is provided automatically, using an encrypted certificate bearing the digital signature of the credit card issuer.

Abstract: A computer implemented technique for facilitating secure electronic transactions anonymously is presented, wherein a secure private agent establishes a client relationship with a consumer, and mediates communication between the consumer and electronic commerce sites. The secure private agent substitutes internally generated identifiers for personal details of the consumer, completes details of the transaction on behalf of the consumer, authorizes payment, and guarantees the credit of the consumer to the electronic commerce site or a payment processing agent. The secure private agent concurrently monitors internet browsing activity of the consumer and provides its services on demand, or automatically in background mode.