A method and apparatus for conducting a transaction over a network is disclosed. The method may include the steps of: using a consumer client to interact with a merchant system; sending a first request from the merchant system to a transaction manager; sending a first response from the transaction manager...http://www.google.de/patents/US20010042051?utm_source=gb-gplus-sharePatent US20010042051 - NETWORK TRANSACTION SYSTEM FOR MINIMIZING SOFTWARE REQUIREMENTS ON CLIENT COMPUTERS
