Systems and methods for providing anonymous financial transactions

• US 20010029496A1
• Filed: 02/23/2001
• Published: 10/11/2001
• Est. Priority Date: 02/23/2000
• Status: Abandoned Application

• Current Assignee: Martin P. Murrell, Michael J. Rowen, Ray Karl Otto, Stephen Mugford, Steven W. Pearlman
• Original Assignee: Martin P. Murrell, Michael J. Rowen, Ray Karl Otto, Stephen Mugford, Steven W. Pearlman
• Inventors: Pearlman, Steven W., Murrell, Martin P., Mugford, Stephen, Otto, Ray Karl, Rowen, Michael J.
• Application Number:
  US09/790,488
• Publication Number:
  US 20010029496A1
• Time in Patent Office: Days
• US Class Current: 705/74
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The present invention relates generally to methods and apparatus for providing anonymous financial transactions. A user can apply for an anonymous financial account through a financial organization. The user is approved, an anonymous account is established and the user is notified. Once the anonymous account and associated card (if needed) is activated, the user can make anonymous purchases and have goods delivered anonymously, wherein the merchant does not know the user'"'"'s real identity or address.

Claims

1. A method of providing an anonymous financial account, comprising:

receiving financial account application information from an applicant for the anonymous financial account;

processing the financial account application information for the applicant to determine if the anonymous financial account should be opened for the applicant;

determining that the financial account application has been accepted; and

establishing the anonymous financial account for the applicant.

2. The method according to

claim 1

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number and expiration date.

3. The method according to

claim 1

, further comprising associating the anonymous financial account with a non-anonymous financial account.

4. The method according to

claim 3

, wherein a financial card associated with the non-anonymous financial account is issued to the accepted applicant.

5. The method according to

claim 3

, wherein the anonymous financial account and the non-anonymous financial accounts are credit accounts and share a credit line.

6. The method according to

claim 1

, wherein the anonymous name can only be associated to the applicant by the applicant and an anonymous financial account provider.

7. The method according to

claim 1

, wherein the anonymous financial account includes an anonymous billing address.

8. The method according to

claim 7

, wherein the anonymous billing address can only be associated to the applicant by the applicant and an anonymous financial account provider.

9. The method according to

claim 1

, wherein information associated with the anonymous financial account is provided to the accepted applicant on an information storage medium.

10. The method according to

claim 1

, further comprising providing an electronic wallet application with or without anonymous financial account information stored therein.

11. The method according to

claim 1

, wherein a card associated with the anonymous financial account is issued by an anonymous financial account provider to the accepted applicant.

12. The method according to

claim 1

, wherein the application information from the applicant includes information sufficient to verify at least one of the applicant'"'"'s identity, credit worthiness, billing address, and shipping address.

13. The method according to

claim 1

, wherein the application information from the applicant includes an accepted legal contract specifying that the applicant is responsible for all purchases made anonymously or otherwise.

14. The method according to

claim 1

, wherein the processing includes one or more of verifying, based on the financial account application information, at least one of the applicant'"'"'s identity, billing address and shipping address, screening against fraudulent applications, and screening for the applicant'"'"'s creditworthiness.

15. The method according to

claim 1

, wherein the financial account application information is received through at least one of an Internet web page, through an email message, through regular mail, and by telephone.

16. A method of providing for anonymous financial transactions, comprising:

receiving a request to process an anonymous financial transaction containing anonymous information;

accessing an anonymous financial account using the anonymous information for processing;

determining that the anonymous transaction should be approved; and

responding to the request that the anonymous transaction is approved.

17. The method of

claim 16

, wherein the anonymous information contains at least one of an anonymous name, account number, expiration date, shipping address and billing address.

18. The method of

claim 16

, wherein processing includes updating the anonymous account with the transaction.

19. A method for making an anonymous financial transaction comprising:

applying for an anonymous financial account;

opening an anonymous financial account with an anonymous financial account provider;

making an anonymous purchase on the anonymous financial account; and

receiving the goods of the anonymous purchase.

20. The method of

claim 19

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number, and expiration date.

21. The method of

claim 20

, wherein the anonymous financial account is associated with a non-anonymous financial account.

22. The method of

claim 19

, wherein the anonymous purchase is conducted at a web site.

23. The method of

claim 19

, wherein the anonymous purchase is conducted using a telephone.

24. The method of

claim 19

, wherein the anonymous purchase is conducted using regular mail.

25. A method for shipping goods purchased from a merchant using an anonymous financial account so that the goods are received by a consumer associated with the anonymous financial account, the consumer having an anonymous shipping address, said method comprising:

labeling the goods with the anonymous shipping address; and

delivering the goods to the consumer based on the anonymous shipping address.

26. The method according to

claim 25

, wherein the purchased goods are addressed by the merchant to an actual name of the consumer at the anonymous shipping address.

27. The method according to

claim 25

, wherein the anonymous shipping address is detected during shipping by a shipping company and wherein the shipping company identifies an actual address of the consumer and re-directs the goods to the actual address of the consumer.

28. The method according to

claim 25

, wherein the anonymous shipping address is a hold location wherein the consumer can collect the goods by providing identifying information.

29. The method according to

claim 25

, wherein the anonymous shipping address is a post office box.

30. The method according to

claim 25

, wherein the anonymous shipping address is a central location wherein the package is relabeled with the consumer'"'"'s actual address and reshipped to the consumer.

31. A method for conducting an anonymous financial transaction comprising:

accessing a site on a network anonymously;

purchasing goods from the site using an anonymous financial account; and

receiving the goods from the purchase.

32. The method of

claim 31

, wherein accessing the site on the network includes using a proxy server to access the network anonymously.

33. The method of

claim 31

, wherein the anonymous financial account is associated with at least one of an anonymous name, billing address, shipping address, account number and expiration number.

34. The method of

claim 31

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address to the site; and

picking up the goods shipped from a hold location.

35. The method of

claim 31

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address to the site wherein the anonymous shipping address is a post office box.

36. The method of

claim 31

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address; and

providing for a shipping company to deliver the goods wherein the shipping company detects the anonymous shipping address and redirect the goods to an actual address of a consumer based on the anonymous shipping address.

37. A method for providing for anonymous financial transactions comprising:

receiving a request to register a financial account from an issuing financial provider as an anonymous financial account;

establishing an anonymous financial account associated with the financial account in response to the request;

receiving a request to purchase goods from a merchant using the anonymous financial account;

processing the request from the merchant; and

responding to the merchant'"'"'s request including a response.

38. The method of

claim 37

, wherein processing the request further includes:

requesting from the issuing financial provider authorization to process the request to purchase goods; and

receiving a response to the request to purchase goods from the issuing financial provider.

39. A computer-readable medium containing instructions for providing an anonymous financial account, comprising:

receiving financial account application information from an applicant for the anonymous financial account;

processing the financial account application information for the applicant to determine if the anonymous financial account should be opened for the applicant;

determining that the financial account application has been accepted; and

establishing the anonymous financial account for the applicant.

40. The computer-readable medium according to

claim 39

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number and expiration date.

41. The computer-readable medium according to

claim 39

, further comprising associating the anonymous financial account with a non-anonymous financial account.

42. The computer-readable medium according to

claim 41

, wherein a financial card associated with the non-anonymous financial account is issued to the accepted applicant.

43. The computer-readable medium according to

claim 41

, wherein the anonymous financial account and the non-anonymous financial accounts are credit accounts and share a credit line.

44. The computer-readable medium according to

claim 39

, wherein the anonymous name can only be associated to the applicant by the applicant and an anonymous financial account provider.

45. The computer-readable medium according to

claim 39

, wherein the anonymous financial account includes an anonymous billing address.

46. The computer-readable medium according to

claim 45

, wherein the anonymous billing address can only be associated to the applicant by the applicant and an anonymous financial account provider.

47. The computer-readable medium according to

claim 39

, wherein information associated with the

anonymous financial account is provided to the accepted applicant on an information storage medium.

48. The computer-readable medium according to

claim 39

, further comprising providing an electronic wallet application with or without anonymous financial account information stored therein.

49. The computer-readable medium according to

claim 39

, wherein a card associated with the

anonymous financial account is issued by an anonymous financial account provider to the accepted applicant.

50. The computer-readable medium according to

claim 39

, wherein the application information from the applicant includes information sufficient to verify at least one of the applicant'"'"'s identity, credit worthiness, billing address, and shipping address.

51. The computer-readable medium according to

claim 39

, wherein the application information from the applicant includes an accepted legal contract specifying that the applicant is responsible for all purchases made anonymously or otherwise.

52. The computer-readable medium according to

claim 39

, wherein the processing includes one or more of verifying, based on the financial account application information, at least one of the applicant'"'"'s identity, billing address and shipping address, screening against fraudulent applications, and screening for the applicant'"'"'s creditworthiness.

53. The computer-readable medium according to

claim 39

, wherein the financial account application information is received through at least one of an Internet web page, through an email message, through regular mail, and by telephone.

54. A computer-readable medium containing instructions for providing for anonymous financial transactions, comprising:

receiving a request to process an anonymous financial transaction containing anonymous information;

accessing an anonymous financial account using the anonymous information for processing;

determining that the anonymous transaction should be approved; and

responding to the request that the anonymous transaction is approved.

55. The computer-readable medium of

claim 54

, wherein the anonymous information contains at least one of an anonymous name, account number, expiration date, shipping address and billing address.

56. The computer-readable medium of

claim 54

, wherein processing includes updating the anonymous account with the transaction.

57. A computer-readable medium containing instructions for making an anonymous financial transaction comprising:

applying for an anonymous financial account;

opening an anonymous financial account with an anonymous financial account provider;

making an anonymous purchase on the anonymous financial account; and

receiving the goods of the anonymous purchase.

58. The computer-readable medium of

claim 57

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number, and expiration date.

59. The computer-readable medium of

claim 58

, wherein the anonymous financial account is associated with a non-anonymous financial account.

60. The computer-readable medium of

claim 58

, wherein the anonymous purchase is conducted at a web site.

61. The computer-readable medium of

claim 58

, wherein the anonymous purchase is conducted using a telephone.

62. The computer-readable medium of

claim 58

, wherein the anonymous purchase is conducted using regular mail.

63. A computer-readable medium containing instructions for shipping goods purchased from a merchant using an anonymous financial account so that the goods are received by a consumer associated with the anonymous financial account, the consumer having an anonymous shipping address, comprising:

labeling the goods with the anonymous shipping address; and

delivering the goods to the consumer based on the anonymous shipping address.

64. The computer-readable medium according to

claim 63

, wherein the purchased goods are addressed by the merchant to an actual name of the consumer at the anonymous shipping address.

65. The computer-readable medium according to

claim 63

, wherein the anonymous shipping address is detected during shipping by a shipping company and wherein the shipping company identifies an actual address of the consumer and re-directs the goods to the actual address of the consumer.

66. The computer-readable medium according to

claim 63

, wherein the anonymous shipping address is a hold location wherein the consumer can collect the goods by providing identifying information.

67. The computer-readable medium according to

claim 63

, wherein the anonymous shipping address is a post office box.

68. The computer-readable medium according to

claim 63

, wherein the anonymous shipping address is a central location wherein the package is relabeled with the consumer'"'"'s actual address and reshipped to the consumer.

69. A computer-readable medium containing instructions for conducting an anonymous financial transaction comprising:

accessing a site on a network anonymously;

purchasing goods from the site using an anonymous financial account; and

receiving the goods from the purchase.

70. The computer-readable medium of

claim 69

, wherein accessing the site on the network includes using a proxy server to access the network anonymously.

71. The computer-readable medium of

claim 69

, wherein the anonymous financial account is associated with at least one of an anonymous name, billing address, shipping address, account number and expiration number.

72. The computer-readable medium of

claim 69

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address to the site; and

picking up the goods shipped from a hold location.

73. The computer-readable medium of

claim 69

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address to the site wherein the anonymous shipping address is a post office box.

74. The computer-readable medium of

claim 69

, wherein receiving the goods from the purchase further includes:

providing an anonymous shipping address; and

providing for a shipping company to deliver the goods wherein the shipping company detects the anonymous shipping address and redirect the goods to an actual address of a consumer based on the anonymous shipping address.

75. A computer-readable medium containing instructions for providing for anonymous financial transactions comprising:

receiving a request to register a financial account from an issuing financial provider as an anonymous financial account;

establishing an anonymous financial account associated with the financial account in response to the request;

receiving a request to purchase goods from a merchant using the anonymous financial account;

processing the request from the merchant; and

responding to the merchant'"'"'s request including a response.

76. The computer-readable medium of

claim 75

, wherein processing the request further includes:

requesting from the issuing financial provider authorization to process the request to purchase goods; and

receiving a response to the request to purchase goods from the issuing financial provider.

77. A system for providing an anonymous financial account, comprising:

means for receiving financial account application information from an applicant for the anonymous financial account;

means for processing the financial account application information for the applicant to determine if the anonymous financial account should be opened for the applicant;

means for determining that the financial account application has been accepted; and

means for establishing the anonymous financial account for the applicant.

78. The system according to

claim 77

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number and expiration date.

79. The system according to

claim 77

, further comprising associating the anonymous financial account with a non-anonymous financial account.

80. The system according to

claim 79

, wherein a financial card associated with the non-anonymous financial account is issued to the accepted applicant.

81. The system according to

claim 79

, wherein the anonymous financial account and the non-anonymous financial accounts are credit accounts and share a credit line.

82. The system according to

claim 77

, wherein the anonymous name can only be associated to the applicant by the applicant and an anonymous financial account provider.

83. The system according to

claim 77

, wherein the anonymous financial account includes an anonymous billing address.

84. The system according to

claim 83

, wherein the anonymous billing address can only be associated to the applicant by the applicant and an anonymous financial account provider.

85. The system according to

claim 77

, wherein information associated with the anonymous financial account is provided to the accepted applicant on an information storage medium.

86. The system according to

claim 77

, further comprising providing an electronic wallet application with or without anonymous financial account information stored therein.

87. The system according to

claim 77

, wherein a card associated with the anonymous financial account is issued by an anonymous financial account provider to the accepted applicant.

88. The system according to

claim 77

, wherein the application information from the applicant includes information sufficient to verify at least one of the applicant'"'"'s identity, credit worthiness, billing address, and shipping address.

89. The system according to

claim 77

, wherein the application information from the applicant includes an accepted legal contract specifying that the applicant is responsible for all purchases made anonymously or otherwise.

90. The system according to

claim 77

, wherein the processing includes one or more of verifying, based on the financial account application information, at least one of the applicant'"'"'s identity, billing address and shipping address, screening against fraudulent applications, and screening for the applicant'"'"'s creditworthiness.

91. The system according to

claim 77

, wherein the financial account application information is received through at least one of an Internet web page, through an email message, through regular mail, and by telephone.

92. A system for providing for anonymous financial transactions, comprising:

means for receiving a request to process an anonymous financial transaction containing anonymous information;

means for accessing an anonymous financial account using the anonymous information for processing;

means for determining that the anonymous transaction should be approved; and

means for responding to the request that the anonymous transaction is approved.

93. The system of

claim 92

, wherein the anonymous information contains at least one of an anonymous name, account number, expiration date, shipping address and billing address.

94. The system of

claim 92

, wherein processing includes updating the anonymous account with the transaction.

95. A system for making an anonymous financial transaction comprising:

means for applying for an anonymous financial account;

means for opening an anonymous financial account with an anonymous financial account provider;

means for making an anonymous purchase on the anonymous financial account; and

means for receiving the goods of the anonymous purchase.

96. The system of

claim 95

, wherein the anonymous financial account contains at least one of an anonymous name, address, account number, and expiration date.

97. The system of

claim 96

, wherein the anonymous financial account is associated with a non-anonymous financial account.

98. The system of

claim 96

, wherein the anonymous purchase is conducted at a web site.

99. The system of

claim 96

, wherein the anonymous purchase is conducted using a telephone.

100. The system of

claim 96

, wherein the anonymous purchase is conducted using regular mail.

101. A system for shipping goods purchased from a merchant using an anonymous financial account so that the goods are received by a consumer associated with the anonymous financial account, the consumer having an anonymous shipping address, comprising:

means for labeling the goods with the anonymous shipping address; and

means for delivering the goods to the consumer based on the anonymous shipping address.

102. The system according to

claim 101

, wherein the purchased goods are addressed by the merchant to an actual name of the consumer at the anonymous shipping address.

103. The system according to

claim 101

, wherein the anonymous shipping address is detected during shipping by a shipping company and wherein the shipping company identifies an actual address of the consumer and re-directs the goods to the actual address of the consumer.

104. The system according to

claim 101

, wherein the anonymous shipping address is a hold location wherein the consumer can collect the goods by providing identifying information.

105. The system according to

claim 101

, wherein the anonymous shipping address is a post office box.

106. The system according to

claim 101

, wherein the anonymous shipping address is a central location wherein the package is relabeled with the consumer'"'"'s actual address and reshipped to the consumer.

107. A system for conducting an anonymous financial transaction comprising:

means for accessing a site on a network anonymously;

means for purchasing goods from the site using an anonymous financial account; and

means for receiving the goods from the purchase.

108. The system of

claim 107

, wherein accessing the site on the network includes using a proxy server to access the network anonymously.

109. The system of

claim 107

, wherein the anonymous financial account is associated with at least one of an anonymous name, billing address, shipping address, account number and expiration number.

110. The system of

claim 107

, wherein receiving the goods from the purchase further includes:

means for providing an anonymous shipping address to the site; and

means for picking up the goods shipped from a hold location.

111. The system of

claim 107

, wherein receiving the goods from the purchase further includes:

means for providing an anonymous shipping address to the site wherein the anonymous shipping address is a post office box.

112. The system of

claim 107

, wherein receiving the goods from the purchase further includes:

means for providing an anonymous shipping address; and

means for providing for a shipping company to deliver the goods wherein the shipping company detects the anonymous shipping address and redirect the goods to an actual address of a consumer based on the anonymous shipping address.

113. A system for providing for anonymous financial transactions comprising:

means for receiving a request to register a financial account from an issuing financial provider as an anonymous financial account;

means for establishing an anonymous financial account associated with the financial account in response to the request;

means for receiving a request to purchase goods from a merchant using the anonymous financial account;

means for processing the request from the merchant; and

means for responding to the merchant'"'"'s request including a response.

114. The system of

claim 113

, wherein processing the request further includes:

means for requesting from the issuing financial provider authorization to process the request to purchase goods; and

means for receiving a response to the request to purchase goods from the issuing financial provider.