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I think we should reform what we know as webmall. I mean webmall always mean that if you wanna make an item buyable via a browser - its a solution. But what if would made a new system for selling characters instantly for an editable currency (silk, vote point etc.)
So my idea is that,
create a panel where the user can select a char from his account for selling. Once the character selected and the selection is accepted, the chosen character will be seen in a list where the charname, currently gold, inventory items, currently silk, storage items, skills and the price are visible.
When the character is added to that list, (with filter) make the selected char non-selectable ingame. Ignore the packet which responsible for loading the char(i know its not in PHP's range).
Sooo if a guy who is browsing this list finds a very nice char at a very attractive price clicks on 'buy char' button and accepts it. What happens now?
The buyers account is selected and the bought char transfered to his account, the amount of silk(or other currency) he paid for it is substracted from his balance and added to the seller's.
Thats all. I think its a great challange for you and also a kind of prevention for ingame scamming aaand also a very elegant way in problem solution.