Today's payment experience for online consumers is slightly changed with the use of the PayTC™.  The description below walks you through an online purchase.

1. Once the consumer is ready to purchase goods or services online, the checkout option is presented by the web merchant.
2. The consumer is requested to select a payment method.
3. The consumer chooses the PayTC™ payment method and is redirected to the Payment Gateway.
4. The Payment Gateway provides a web page with a signed and embedded PayTC™ interface^*.
5. The PayTC™ interface requests that the consumer places his PayTC™ device in an available USB port if he has not done so.
6. The PayTC™ interface requests that the user enter his password to unlock the PayTC™ in order to retrieve the encrypted credit card information.
7. Encrypted credit card information is retrieved by the PayTC™ interface.
8. Both the encrypted credit card information and the transaction data (called the data package) is transmitted by the PayTC™ interface to the Payment Gateway.
9. The payment gateway passes the data package on to the Trusted Authority (possibly the credit card issuer) for approval.
10. The transaction is approved or rejected and all third party systems receive a receipt of the transaction result.

^*Patent pending