Patent ID: 7379916

Claim:
A computer implemented method for server-side execution in support of financial transactions, comprising: establishing an authentication record in memory accessible by server-side computer resources, in response to communications at a first time from a particular account holder, for a predicted transaction by the particular account holder, the authentication record for the predicted transaction includes a predicted transaction amount, a transaction time parameter, and an authenticated transaction signature for presentation upon execution of the predicted transaction, and sending a message including the authenticated transaction signature from the server-side computer resources to the particular account holder; establishing an authorization record in memory accessible by server-side computer resources, in response to communications at a second time from a party to a particular transaction, for the particular transaction indicating an actual transaction amount, an actual transaction time and a presented transaction signature, wherein said establishing an authorization record does not require identification of the particular account holder; reading and processing the authorization record and the authentication record in the server-side computer resources, and if the presented transaction signature in the authorization record matches the authenticated transaction signature in the authentication record for the predicted transaction, the actual transaction amount in the authorization record matches the predicted transaction amount in the authentication record and the actual transaction time in the authorization record matches the transaction time parameter in the authentication record, then sending an authorization message to the party of the particular transaction; and performing an accounting process, including reconciling the predicted transaction amount and the actual transaction amount in the server-side computer resources, for the particular account holder.