Patent ID: 7496542
Filing Date: 2009-02-24
Classification: G06Q

Abstract:
1. A method for issuing an account code to a user via a first e-commerce website, wherein said account code is used by said user to anonymously purchase an item from a second e-commerce website, said method comprising: receiving, at an account provider system and via said first e-commerce website, an account code purchase request for a purchase of said account code; issuing a challenge based on said account code purchase request and forwarding said challenge to said user, wherein said challenge is passed to an intelligent token for processing said challenge, wherein said intelligent token generates a response to said challenge; receiving a response from said user based upon said challenge; processing said response and verifying said intelligent token; assembling credentials for said account code purchase request, said credentials comprising a key; providing at least a portion of said assembled credentials to said user; receiving a second request from said user, said second request including said portion of said assembled credentials provided to said user; validating said portion of said assembled credentials provided to said user with said key of said assembled credentials to facilitate purchase of said account code; receiving, at said account provider system and via said first e-commerce website, a load request for associating a monetary load value with said account code; receiving payment information from said user via said first e-commerce website; obtaining authorization of said payment information; associating said monetary load value with said account code; and, transmitting, from said account provider system to said user via said first e-commerce website, said account code to enable said user to provide to a merchant, via said second e-commerce website, said account code as a form of anonymous payment for an item, wherein information sufficient to identify said user of said account code is not provided to said merchant.