A process for a transfer of funds for payment for goods and/or services in which
a purchaser of the goods and/or services requests that a financial services organization
generate a financial certificate in an amount equal to the payment. The requester
receives the requested certificate and then transmits the certificate to the provider
of good and/or services. Upon validation of the certificate by the provider, the
transaction is completed and the purchaser so notified. The purchaser is subsequently
billed by the financial services organization for the cost of the certificate.
