A technology used within a browser when transactions are carried out over the Internet using a credit card. When a customer uses a credit card for a purchase he or she uses a PIN. This is passed from the merchant's computer system to the credit card company's computer, which decodes the PIN, retrieves the credit card holder's account, and then either authorizes or rejects the transaction. If it is authorized the merchant's account with the credit card company is increased by the amount of the transaction minus a transaction charge. An alternative wallet technology involves the encryption of the credit card number and the use of a digital signature. The use of wallet technology is more secure than conventional means of processing, in that it prevents the merchant's staff knowing the credit card number and using it for unauthorized transactions.