SSL protocol requires the installation of an SSL digital certificate on a web server that wants to establish secure server connection with a consumer's web browser. The digital certificate is necessary for authentication of the web server to the web browser. At the same time, SSL protocol encrypts consumer information that is transferred from web browser to web server using a unique session key. When the information is presented to the web server, an encryption process takes place in which the session key is matched with the public key installed on the web server. This process, successfully completed, authenticates the web server and the information is transferred securely. The entire process is seamless to the shopper. This process is continued as the transaction data is passed along to a payment processor, which then coordinates the transfer of monetary funds between the customer's credit card bank and the merchant's bank account.