Abstract: The present invention provides a proxy process and system for emulating card-present credit card transactions in credit card transactions occurring over a computer network. The process involves collecting credit card information and identification information from the cardholder and presenting that information to an identifier. Once the cardholder has been identified by the identifier, an authentication server generates a code and transmits the code to the cardholder to “set up” the credit card. The cardholder possessing both the credit card information and the code then sends that information and code from the cardholder's PC to the authentication server, which compares the credit card information and code to the credit card information and code stored from the credit card set up and if they match, a secure pay digital certificate is issued to the cardholder's computer.

Abstract: A one wheel garden tractor is capable of pulling a garden sweep, shovel, planter or fertilizer, wherein this garden tractor can be used in narrow and confined areas. The tractor comprises a support frame having rearward extending handle bars and an engine having a vertical drive shaft. A wheel is mounted onto the center of a horizontal axle rod rotatably mounted to the support frame. A clutch assembly and a drive chain assembly join the engine to the horizontal axle rod. A pivotally mounted bracket assembly rearwardly extends from the support frame.