| 摘要 |
Systems and methods of facilitating electronic payment transactions combine electronic coupling of a physical security device (34) to a local computer (32) with an independent agent (60) that stores personal and financial information. A preferred system and method uses a physical key (34) coupled to a local computer through a port on the computer. A USB port can be employed advantageously for this purpose, as can a port coupled to a CD player. It is especially preferred that a key (34) would be used in combination with a password or other authentication code(36). In an especially preferred method software resident on the customer's computer (32) transmits information from the physical key and an authentication code to the agent for verification.
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