The present invention is directed to a combination software and/or hardware system that provides consumers and merchants with a secure method for making and accepting credit card and ATM card payments over the Internet. Using various software and/or hardware implementations, the system operates by:...http://www.google.de/patents/US6834271?utm_source=gb-gplus-sharePatent US6834271 - Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet