Pre-paid payment device and method therefor

• US 20030029914A1
• Filed: 10/08/2002
• Published: 02/13/2003
• Est. Priority Date: 10/08/2002
• Status: Abandoned Application

• Current Assignee: Daniel P. Hortman, Thomas Hortman
• Original Assignee: Daniel P. Hortman, Thomas Hortman
• Inventors: Hortman, Daniel P., Hortman, Thomas
• Application Number:
  US10/266,658
• Publication Number:
  US 20030029914A1
• Time in Patent Office: Days
• US Class Current: 235/383
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/106 using commercial credit or debit cards
• CPC Class Codes: H04M 2017/14 using commercial credit/debit cards, e.g. VISA, AMEX
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Abstract

A pre-paid payment device and method therefore, wherein the pre-paid payment device functions substantially similar to a credit card, yet permits a consumer to purchase goods and/or services from either an electronic retailer conducting business via a global networking system, without the risk of consumer information theft, consumer electronic-purchase tracking, and/or impingement of consumer anonymity and/or privacy.

Claims

1. A payment system for providing an anonymously-purchased payment device, wherein said payment device is utilized according to a system, comprising:

a payment device selected from the group consisting of fixed-value payment devices and variable-value payment devices;

a supplier for supplying said payment device;

a retailer for receiving said payment device from said supplier;

a consumer for buying said payment device from said retailer, wherein said consumer pays said retailer for said payment device; and

a second retailer, wherein said second retailer sells goods and services to said consumer upon payment for said goods and services by said consumer via said payment device.

2. The payment system of claim 1, wherein said consumer also pays said retailer an activation fee for activating said payment device.

3. The payment system of claim 1, wherein said second retailer conducts business via a global networking system.

4. The payment system of claim 1, wherein at least one transaction fee is paid by said second retailer to said supplier for remittance of payment by said supplier to said second retailer for the value of said goods and services purchased by said consumer.

5. The payment system of claim 1, wherein said retailer is physically accessible by said consumer so that said consumer can make an in-person purchase of said payment device from said retailer.

6. The system of payment of claim 5, wherein said payment device is a card having at least one card number

7. The system of payment of claim 1, wherein said consumer is not required to disclose personal information to said retailer when purchasing said payment device from said retailer, and wherein said consumer is not required to disclose personal information to said second retailer when purchasing goods and services from said second retailer via said payment device.

8. The system of payment of claim 7, wherein purchases made by said consumer from said second retailer via said payment device are not traceable to said consumer.

9. A pre-paid anonymously-purchased payment device, comprising:

a card, wherein a user utilizes said card to make anonymous purchases.

10. The pre-paid anonymously-purchased payment device of claim 9, wherein at least one card number is disposed on said card, wherein said at least one card number is alterable by a user of said pre-paid payment device for purposes of anonymity and private purchasing power by said user.

11. The pre-paid anonymously-purchased payment device of claim 9, wherein said pre-paid anonymously-purchased payment device is selected from the group consisting of fixed-value pre-paid payment devices and variable-value pre-paid payment devices.

12. The pre-paid anonymously-purchased payment device of claim 11, wherein a consumer purchases said card from a supplier of said pre-paid anonymously-purchased payment device via paying the supplier an amount equivalent to said fixed-value pre-paid payment device in addition to a surcharge-activation fee.

13. The pre-paid anonymously-purchased payment device of claim 11, wherein a consumer purchases said card from a supplier of said pre-paid anonymously-purchased payment device via paying said supplier an amount equivalent to said variable-value pre-paid payment device in addition to a surcharge-activation fee.

14. The pre-paid anonymously-purchased payment device of claim 9, wherein said pre-paid anonymously-purchased payment device is utilized by said user to make private and anonymous purchases of goods and services from a retailer conducting business via a global networking system.

15. The pre-paid anonymously-purchased payment device of claim 14, wherein the purchase of said goods and services from said retailer by said user requires that said user only submit to said retailer said at least one card number of said pre-paid anonymously-purchased payment device and no additional personal information of said user.

16. The pre-paid anonymously-purchased payment device of claim 9, wherein the value of said pre-paid anonymously-purchased payment device can be renewed upon exhaustion.

17. A method of making anonymous purchases, comprising the steps of:

a) purchasing a pre-paid anonymously-purchased payment device from a purchasing source, wherein said prepaid anonymously-purchased payment device is supplied to said purchasing source by a supplier, and wherein said pre-paid anonymously-purchased payment device comprises;

a card, wherein said card is selected from the group consisting of fixed-value pre-paid payment devices and variable-value pre-paid payment devices; and

b) applying a payment amount to said pre-paid anonymously-purchased payment device to give said pre-paid anonymously-purchased payment device a monetary value;

c) purchasing goods and service from a retailer by submitting to said retailer at least one identifier disposed on said card and no other additional personal information.

18. The method of claim 17, further comprising the step of:

purchasing said card from said purchasing source by paying said purchasing source an amount equivalent to said variable-value pre-paid payment device in addition to a surcharge-activation fee.

19. The method of claim 17, further comprising the step of:

permitting the purchase of said pre-paid payment device from said purchasing source without having to submit any personal information to said purchasing source.

20. The method of claim 17, wherein said supplier charges said retailer a transaction-processing fee for remittance of payment to said retailer for the cost of said goods and services purchased via said pre-paid anonymously-purchased payment device.

21. The method of claim 17, wherein said retailer conducts business via a global networking system.