Abstract: A centralized transaction system including a server communicating with client workstations and remote devices. The system includes a server communicating with a terminal, a remote device, and a workstation. Both customers and vendors access the server through a workstation to set up and maintain information on the server and to access historical information relating to transactions. The system is suitable for both on-line transactions and brick-and-mortar store transactions, including convenience transactions. A customer possesses an identification code that is presented to a vendor for a transaction. The vendor sends the identification code to a server, which sends an authentication code to a remote device in possession of the customer. The customer causes the authentication code to be sent to the server, which authenticates the customer for the transaction.

Abstract: A centralized transaction system including a server communicating with client workstations and remote devices. The system includes a server communicating with a terminal, a remote device, and a workstation. Both customers and vendors access the server through a workstation to set up and maintain information on the server and to access historical information relating to transactions. The system is suitable for both on-line transactions and brick-and-mortar store transactions, including convenience transactions. A customer possesses an identification code that is presented to a vendor for a transaction. The vendor sends the identification code to a server, which sends an authentication code to a remote device in possession of the customer. The customer causes the authentication code to be sent to the server, which authenticates the customer for the transaction.