The CashRegister automatically adds the merchant's identification and secures the payment request with CyberCash's industrial strength triple DES encryption. The secure payment request is forwarded over the Internet and is received through a secure firewall by the CyberCash servers. CyberCash instantaneously passes the payment request to the merchant's financial institution, which zips it on to the consumer's credit card bank to approve or decline payment authorization. The consumer's credit card bank sends its response back through the merchant's financial institution to the merchant's CashRegister. The entire authorization process takes under 20 seconds.
Transaction is Completed and Captured The merchant delivers the goods to the shopper.
Funds are transferred to the merchant's account by its financial institution.