A clocked authentication, authorization and accounting (CAAA) system and method offers private and secure credit/debit card online and offline financial transactions (FT) including an embedded privacy and security layer (EPSL) architecture. EPSL includes an authentication stage prior to the authorization...http://www.google.com.au/patents/US7379916?utm_source=gb-gplus-sharePatent US7379916 - System and method for private secure financial transactions
