A computer-implemented draft authentication method for use in e-commerce includes the steps of establishing partner relationships between a financial institution and a plurality of World Wide Web (Web) vendors and storing, for each of a plurality of Web customers, at least one piece of unique identifying...http://www.google.ca/patents/US6898577?utm_source=gb-gplus-sharePatent US6898577 - Methods and systems for single sign-on authentication in a multi-vendor e-commerce environment and directory-authenticated bank drafts