The present invention provides a selectively tailored product, method, apparatus, and method of conducting an online vending business comprising an
authorization method for electronic purchase transactions. In this invention, a user or would-be purchaser at a terminal, for example, a remote terminal, which may be a telephone or a
personal computer, attempting to consummate an electronic purchase transaction at a merchant vendor's online address by presenting, or otherwise inputting, information from a money-transaction card, such as a
credit card, actuates or prompts, or causes to be prompted, a probe means, such as an
executable computer program, which is effective to seek out and identify various information in an
authorization process, inclusive of originating
IP address,
system local language usage customs, time and date in the local
time zone, geographical location, or any other
verification information deemed useful to
authentication and determination of
authorization of the transaction.