Patent ID: 8645282

Claim:
A method of performing an electronic commercial transaction for at least one of a product or service between a merchant system and a electronic device, the method comprising: receiving, at a secure virtual point of service server device, a buyer encryption key from the electronic device; receiving, at the server device, a merchant encryption key and a merchant hash from the merchant system of at least a portion of a package for the commercial transaction encrypted with the merchant encryption key; facilitating non-repudiation of the package by sending, with the server device, the buyer encryption key to the merchant system to encrypt the package with both the merchant encryption key and the buyer encryption key to create an encrypted package prior to the merchant system sending the package to the electronic device; receiving, at the server device, a buyer hash from the electronic device of at least an identical portion of the package encrypted with the merchant encryption key as that of the merchant hash after the electronic device has partially decrypted the encrypted package with the buyer encryption key; comparing, with the server device, the buyer hash and the merchant hash; transmitting, with the server device and based upon the comparison, the merchant encryption key to the electronic device to fully decrypt the encrypted package and determine whether the encrypted package includes the at least one of a product or service; and receiving, at the server device, authorization for payment for the commercial transaction based upon the determination.