The present invention is an apparatus and method for the money transactions required in the selling of merchandise or media content on the Internet or other public or private network. It can then track and maintain digital rights to merchandise or media. Methods of access to digitally protected content are disclosed. License metadata and credentials from multiple types of digital rights management systems may be used to grant access through a home based or other end-user custodial digital rights “place-chaser” to content protected by different types of serial copy management systems. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web.