Methods for purchasing of goods and services

A method for conducting a purchasing agreement for goods and services between a consumer and a merchant through asecure transaction server (STS) as a trusted third party, comprising:

• generating, by the consumer independently of the merchant and the STS, a consumer view of the purchasing agreement secured based upon both a first mobile device parameter stored in a consumer mobile device and a second mobile device parameter input to the consumer mobile device;
• transmitting over an open and non-secure wireless communication channel the secured consumer view of the purchasing agreement to the merchant;
• generating, by the merchant independently of the consumer and the STS, a secured merchant view of the agreement,
• transmitting the consumer and merchant views of the agreement to the STS;
• and
• verifying, by the STS, conditions of the purchase agreement including identities of the merchant and the consumer in the independently generated secured consumer and merchant views of the purchase agreement, based upon the first and second consumer mobile device parameters for the secured consumer view, and
• taking action, by the STS, executing the purchasing agreement based upon the verifying of the purchasing agreement.