Patent ID: 7496541

Claim:
A system for issuing an account code via a first e-commerce website, wherein said account code is used to anonymously purchase an item from a second e-commerce website, said system comprising: a database configured to store a plurality of valid account codes, said database having a plurality of records, each of said plurality of records corresponding to one of said plurality of valid account codes, wherein none of said plurality of records is configured to store identifying information of said user associated with one of said plurality of valid account codes; an account provider system configured to receive, via said first e-commerce website, a an account code purchase request for a purchase of an account code; said account provider system configured to issue a challenge based on said account code purchase request and forward 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; said account provider system configured to receive a response from said user based upon said challenge, process said response, verify said intelligent token, assemble credentials for said account code purchase request at a first server, wherein said credentials comprise at least one key; said account provider system configured to provide a portion of said assembled credentials to said user, receive a second request from said user, wherein said second request includes said portion of said assembled credentials provided to said user; said account provider system configured to validate said portion of said assembled credentials provided to said user with said key of said assembled credentials to enable purchase of said account code; said account provider system configured to receive, via said first e-commerce website, payment information and a load request for associating a monetary load value with said account code; and, said account provider system configured to obtain authorization of said payment information, associate said monetary load value with said account code, and transmit to said user said account code to enable said user to provide said account code to said second e-commerce website 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 second e-commerce website.