Secure transaction processing system and method

Abstract

A processing system and method for processing purchase orders between a purchaser and a merchant across a public network. The processing system including a purchaser account database for storing purchaser account information for each purchaser and including at least a purchaser identifier and delivery data associated with the purchaser identifier, a programming for monitoring the status of the purchaser account database and disabling the account database in response to a monitored change in the purchaser account information, and a processor for receiving the purchase orders and processing the orders.

1 - 5 . (canceled) 
     
     
         6 . A transaction processing system for processing a transaction between a purchaser and a merchant across a public network, the transaction processing system comprising:
 a secure private network component, including:
 a database storing a purchaser account record, the purchaser account record including at least a delivery address and payment information for the purchaser each linked to a purchaser identifier; and 
 a computer communicatively connected to the database and programmed to process purchase orders; 
   a public network component, including:
 a server communicatively connected to the computer and to a public network and programmed to:
 receive a purchase order including product information and a purchaser identifier from a computing device used by a purchaser; 
 communicate the purchase order to the computer on the secure network component in order to obtain an approval message if the purchaser identifier in the purchase order matches the purchaser identifier stored in the purchaser account record in the database; 
 receive, from the computer on the secure network component transmits, an approval message to the server including the delivery address stored in the purchaser account record and excluding any payment information; 
 causes payment for the purchase to be effected; and 
 transmit to the merchant the delivery address.