Patent ID: 6839692

Claim:
A method of securing transactions over a computer network comprising: encrypting customer information as customer codes on a storage device on a customer computer, said customer computer being connected to said computer network, wherein said customer codes include encrypted identifiers including a customer shipping address, and wherein said customer shipping address comprises one of a plurality of valid shipping addresses that depend upon which customer code is supplied to said merchant; selecting one of a plurality of stored customer codes having one of said plurality of valid shipping addresses; supplying said selected customer code to said merchant in a transaction over said computer network; forwarding said customer code to a financial institution over said computer network; decrypting said customer code at said financial institution; comparing, at said financial institution, said customer shipping address with an authorized address of said customer maintained by said financial institution; and returning an authorization decision from said financial institution to said merchant over said computer network, wherein said authorization decision is approved only if said customer shipping address and said authorized address are consistent.