A computer program embodied on two computer-readable mediums for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising:
- (a) a code segment on the first computer for displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements;
- (b) a code segment on the first computer for detecting completion of data entry into the certificate request form;
- (c) a code segment on the first computer for assembling a request for the certificate using the one or more data elements;
- (d) a code segment on the first computer for transmitting the request for the certificate to the second computer;
- (e) a code segment on the second computer for creating the certificate for the payment instrument at the second computer;
- (f) a code segment on the second computer for generating a payment instrument holder containing the payment instrument at the second computer;
- and
- (g) a code segment on the second computer for delivering the certificate and the payment instrument holder to the first computer.