Abstract: A method for providing online electronic payment from a client (202) for a good or service provided by a service provider (204), includes: receiving by the client a contract from the service provider containing at least a total amount of purchases; requesting a voucher by the client to a client bank (206), by sending at least the total amount and a signature of the client; the client bank generates the voucher, which includes at least the total amount and a certificate of the client bank, and sends it to the client; relaying the voucher by the client and by the service provider to a service provider bank (210); and after authentication of the voucher, the service provider bank transfers a credit validation, and the service provider delivers the good or service to the client.

Abstract: A method for providing privacy in online transactions. The method can include receiving, at a service provider system, a purchase request from a client, the purchase request including banking information, and the banking information being encrypted with a third party public key such that the service provider system cannot decrypt the encrypted banking information. The encrypted banking information can be transmitted to a bank system, such that the banking information cannot be used to identify the identity of the client. The method can also include receiving an authorization message if the client's purchase request is authorized.