Patent ID: 6014646
Filing Date: 2000-01-11
Classification: G06Q

Abstract:
Process for performing a transaction in a system having four entity types, the entity types including:a first user;a second user supplying goods and services;a first entity;a second entity managing accounts of the first user and second user, which can be credited by the first user to pay the second user,wherein the first entity is a bank that manages a conventional account of the first user, the first user is a customer of the first entity and the second user, and the first user has accounts at the second entity, said process comprising the steps of:the second entity generating random numbers in random number tables for each account permitting distribution of the numbers from the second entity to the first user;the first user acquiring from the first entity an anonymous electronic means for a certain amount using one of the random numbers associated with one of the accounts hosted by the second entity that is to be credited;the first user crediting the one account at the second entity for the certain amount using the electronic means acquired from the first entity, the random number used being deleted from the table associated with the credited account; andthe first user debiting one or more of the accounts in order to credit an account of the second user,wherein the random number tables permit the credits to each account in an order independent of an order of obtaining said numbers from the second entity by the first user owning the account and independent of the order of use of these numbers for the acquisition of anonymous electronic means from the first entity.