Abstract: Methods, systems and nodes for authorizing a securized exchange between a user and a provider site are described herein. User credentials are stored in a personal security module and in an authentication server. The personal security module is a user terminal or otherwise connects to a user terminal. The user terminal accesses the provider site, which in turn provides a unique transaction number to the authentication center and to the personal security module. The authentication center provides user authorization information to the provider site. When the personal security module sends the same unique transaction number to the authentication center, the authentication center provides the user authorization information to the personal security module. The user terminal uses the user authorization information for having the securized exchange with the provider site.

Abstract: Methods and systems for securing a prospective electronic transaction between a first party and a second party. The system comprises an authentication entity adapted for generating a transaction indicia for the electronic transaction and sending the transaction indicia to the client computer, wherein receipt of the transaction indicia by a client computer used by the first party causes encryption of the transaction indicia and account information associated with the first party into encrypted data. Also, the system comprises a data center adapted for receiving the encrypted data from the client computer; decrypting the encrypted data to obtain the transaction indicia and the account information associated with the first party; and sending the transaction indicia and the account information to the authentication entity for completion of the electronic transaction on a basis of the account information.