emulates the familiar and trusted “card-present” transactions and applies it to online transactions where the user’s card is not present (card-not-present). The Qkey secures payment information by eliminating the vulnerable points of attack where consumers expose their sensitive information to potential hackers. Specifically, Qkey removes payment card data from the computer, browser and web servers and securely stores it on the encrypted digital Qkey. Much like a wallet, the Qkey user carries their payment information safely in their pocket. Making secured online purchase is now as simple as using a card at any retail outlet. The user inserts their Qkey into the computer USB port, enters their password then chooses a card of choice, the Qkey does the rest.