The present invention disclosed herein comprises a method for completing an electronic commerce transaction over a global communication network initiated between a vendor and a potential consumer. The method includes the steps of associating a unique transaction code with the initiated transaction between the vendor and the potential consumer for use by the consumer in completing a specific electronic commerce transaction; associating in a reference server user information with the unique transaction code to provide a transaction packet; communicating the transaction packet to a remote vendor location from a user location; and completing the specific electronic commerce transaction upon receipt at the remote vendor location the transaction packet containing the user information in association with the unique transaction code.