Patent ID: 7505942

Claim:
A method for facilitating a purchase of an item anonymously over a computer network, said method comprising: receiving, from a user via a second e-commerce website, an authorization request for an authorization of a purchase transaction having a purchase value, wherein said authorization request is associated with an account code issued by a first e-commerce web site for use on a second e-commerce website; issuing a challenge based on said request for an authorization 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 request for an authorization at a first server, said credentials comprising at least one key; providing 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 providing access to purchase said account code; determining when said account code is equal to one of a plurality of valid account codes; and, wherein when said account code is equal to one of said plurality of valid account codes, comparing said purchase value to said monetary value associated with said account code to determine when said monetary value exceeds said purchase value; when said monetary value exceeds said purchase value, sending a purchase authorization message authorizing said purchase transaction; and subtracting said purchase value from said monetary value associated with said account code to obtain a first updated monetary value associated with said account code.