Patent ID: 7509293

Claim:
A method for obtaining a account code by 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: sending to an account provider system and via said first e-commerce website, an account code purchase request for a purchase of said account code; receiving a challenge based on said account code purchase request, wherein said challenge is passed to an intelligent token for processing said challenge, wherein said intelligent token generates a response to said challenge; sending said response based upon said challenge to said account provider system, wherein said account provider system processes said response and verifying said intelligent token and assembles credentials for said account code purchase request at said first server, said credentials comprising at least one key; receiving a portion of said assembled credentials from said account provider system; sending a second request, said second request including said portion of said assembled credentials provided to said user; and validating said portion of said assembled credentials provided to said user with said key of said assembled credentials providing access to purchase said account code; sending to said account provider system and via said first e-commerce website, a load request for associating a monetary load value with said account code; sending payment information to said account provider system, wherein said account provider system obtains authorization of said payment information and associates said monetary load value with said account code; and, receiving, from said account provider system 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.