Methods and apparatus for electronic transactions.

A method of operating computer apparatus for conducting a transaction, the method comprising: a. receiving a transaction request (1002; 1102) from a user on a server (140; 130); b. issue a question (1004, 1106, 1108) to the user; c. receiving a response (1008, 1110, 1112) from the user based on the question; d. processing said response to verify the user (1010; 1114); and. assembling credentials for the transaction, said credentials comprising at least one key; F. providing at least a portion of said credentials to said user (1012); g. receiving a second request (1014; 1110) from said user, said second request said portion of said credentials; and h. validate (1016, 1018, 1112, 1116) said portion of said credentials with said key to provide access to a transaction service.