Patent ID: 7567936
Filing Date: 2009-07-28
Classification: G06Q

Abstract:
1. A computer-readable memory medium storing program instructions, wherein the program instructions are executable by a client computer system to: automatically examine a web page, wherein the web page has been received by the client computer system from a web site over the Internet, wherein said examining is performed to determine whether the web page includes a plurality of blank fields to be populated in order to facilitate a payment for a purchase from the web site on behalf of a user of the client computer system, wherein the blank fields include: (a) one or more first fields to be filled with payment information relating to the user, and (b) one or more second fields to be filled with identity information relating to the user; and in response to said examination determining that the web page includes said plurality of fields: wherein the first information and second information are sent to the web site in order to facilitate the payment; wherein the first pseudo account has been created for the user by a first server associated with a financial institution, wherein the financial institution maintains a first actual account for the user and stores a link between the first pseudo account and the first actual account, the first actual account having an associated first account number; wherein the second information is usable by a first entity associated with the web site to receive said authorization for payment from the first server, wherein the second information does not include the first account number; wherein the first pseudo identity has been created for the user by a second server associated with a second entity distinct from the first entity and the financial institution, wherein the first pseudo identity does not contain any information regarding an actual identity of the user.