the consumer computer 100 or the remote wallet server 200 if the payment and shipping information is stored on the consumer computer the consumer computer will send this information to the remote wallet server with its request if the payment and shipping information is stored on the remote wallet server the consumer computer need not send this information to the remote wallet server with its request in step 1040 the remote wallet server fills in the information on the order form if necessary in step 1050 the cryptogram generator 204 of the remote wallet server generates a cryptogram using the secret key 206 the cryptogram generator 204 may be a software application or it may be a dedicated circuit within the remote wallet server 200 preferably the cryptogram generator 204 and the secret key 206 are contained in a tamper resistant hardware security module which offers physical protection for the keys stored inside it the cryptogram generator 204 may utilize any well known cryptographic algorithm such as for example the triple des algorithm typically the cryptogram generated will include both consumer account and purchase information in step 1060 the remote wallet server continues the dialog with the merchant u2014 i e sends the completed order form and the cryptogram to the merchant using a chip card protocol for example the remote wallet.