Abstract: A secure Internet based website electronically facilitating Internet entry of an account-owner to a pre-registered account on the secure Internet based website; escorting the owner to a merchant Internet site and therewith transmitting to the merchant site a one-time password, wherein said one-time password is thereafter identifiable by the secure Internet based website; receiving an invoice from the merchant Internet site wherein said invoice includes the one-time password; validating the one-time password; and presenting the invoice to the account owner. Now, if the secure Internet site receives an invoice approval from the owner, then the secure Internet site electronically providing the merchant Internet site with payment and delivery details necessary to complete a commercial agreement between the owner and the merchant wherein said agreement corresponds to specification, terms, and conditions associated with the invoice.