Patent ID: 6847953

Claim:
A method of engaging in electronic commerce, providing at least one host, at least one buyer, at least one seller, and at least one payment clearing processor, comprising: (a) specifying by the buyer a host, and sending by the buyer an order for goods and services online to the seller, without sending payment card number along with said order, nor any number that is a reference to the payment card number; (b) confirming by the seller said order with said buyer, and assigning by the seller an orderID for the order; (c) authorizing by the buyer payment of said order by sending a payment authorization request and secret keys to said host with said orderID in a payment form; (d) requesting by the seller for payment approval of the order from buyer's payment card issuer, through said host, by sending a message of a payment approval request to the host with said orderID; (e) matching up by the host orderIDs received from the buyer and the seller, and content from the payment authorization request with the content from the payment approval request. wherein the payment authorization request and the payment approval request received by the host are matched over a time period determined by the host, detecting that the payment authorization request and payment approval request are not matched within the time period, and terminating the order by the host by expiring the payment approval request.