Abstract: A system and method for completing a transaction over a computer without transmitting personal information is disclosed. A purchaser uses a purchaser appliance establishes a communication session with a vendor server, which is operated by a vendor. The session is monitored by a transaction management server, which is operated by a transaction manager. When the purchaser indicates that he wishes to make a transaction, the transaction management server reviews and determines whether the transaction should be authorized, possibly based on the purchaser's credit history. If the transaction is authorized, the transaction is completed through the transaction manager. At no time does the vendor server or the vendor learn the identity of the purchaser.