Abstract: In a secure electronic transaction method, a unique code associated with a payer and payer's selected transaction method is generated, responsive to a request from the payer computing platform to conduct a transaction using that transaction method. A unique code received from a recipient is validated by attempting to match it with a stored unique code associated with a payer and payer's selected transaction method. Information received from the payer, recipient, and/or a transaction authorization network is stored in electronic storage. The unique code associated with the payer does not contain any transaction method information and is at least one of time-limited, one-time use, and limited to use with a single transaction partner.