METHOD AND SYSTEM FOR CONDUCTING ELECTRONIC COMMERCE OVER A NETWORK USING A SHADOW CREDIT CARD NUMBER

• US 20090182675A1
• Filed: 12/23/2008
• Published: 07/16/2009
• Est. Priority Date: 01/04/2008
• Status: Abandoned Application

• Current Assignee: Arpu, Inc.
• Original Assignee: Arpu, Inc.
• Inventors: BRODY, EDWARD
• Application Number:
  US12/342,683
• Publication Number:
  US 20090182675A1
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 50/188 Electronic negotiation

Abstract

A method and system are disclosed for conducting electronic commerce over a computer network. A first processor can be configured to receive first data including information of a buyer, and generate second data based on the first data. The first processor sends the second data to the second processor and the second processor processes the second data which causes a product and/or service to be provided to the buyer. The second processor does not receive first data.

Claims

1. A system for conducting electronic commerce over a computer network, comprising:

a first processor configured to;

receive first data including information of a buyer, and

associate second data corresponding to the first data; and

a second processor, wherein the first processor sends the second data to the second processor and the second processor processes the second data which causes a product and/or service to be provided to the buyer, wherein the second processor does not receive at least some of the first data.

2. The system of claim 1, further comprising a service provider processor associated with a service provider with which the buyer is registered.

3. The system of claim 1, wherein the second processor is associated with a supplier of the product and/or service.

4. The system of claim 1, wherein the first data includes at least a portion disposed on a credit card.

5. The system of claim 4, wherein the first data includes at least one of name, address, mailing information, and/or original credit card unique identification number of the buyer.

6. The system of claim 1, wherein the second data includes a surrogate credit card number, the second data not including an original credit card unique identification number of the buyer.

7. The system of claim 2, wherein the service provider processor generates a unique buyer ID that references billing information of the buyer.

8. The system of claim 7, wherein the unique buyer ID references data used to target offers of products and/or services to the buyer.

9. The system of claim 1, wherein:

the second processor sends the second data to the first processor, said first processor using the first data to charge the buyer in response to the second data.

10. A method of conducting electronic commerce over a computer network, comprising:

receiving first data via the computer network, the first data including information of a buyer;

associating second data corresponding to the first data in a processor; and

sending the second data to a seller over the network, wherein the second data serves as a basis to provide a product or service to the buyer, said seller not receiving at least some of said first data.

11. The method of claim 10, wherein the first data includes at least a portion disposed on a credit card.

12. The method of claim 11, wherein the first data includes at least one of name, address, mailing information, and/or original credit card unique identification number of the buyer.

13. The method of claim 10, wherein the second data includes a surrogate credit card number, the second data not including the information of the buyer as contained in the first data.

14. The method of claim 10, further comprising:

receiving a unique buyer ID that references billing information of the buyer.

15. The method of claim 14, wherein the unique buyer ID references data used to target offers of products and/or services to the buyer.

16. The method of claim 10, further comprising:

receiving the second data from the seller to cause the first data to be used as basis to charge the buyer.

17. A system for conducting electronic commerce over a communication network, comprising:

a first server platform configured to allow a user to select at least one provider to engage in a business transaction, the first server platform receiving confidential information associated with the user;

a second server platform accessing the confidential information of the user located within the first server platform in order to create a commercial instrument;

a third server platform connected to the second server platform, the third server platform configured to receive the content of the commercial instrument which is used to process a financial charge attributed to the user based on the business transaction, and

wherein the commercial instrument does not contain at least some of the confidential information of the user, and wherein the commercial instrument serves as the basis for the seller to deliver a product and/or service to the user.

18. The system of claim 17, wherein the first server platform is associated with a service provider with which the user is registered.

19. The system of claim 17, wherein the second server platform is associated with a source of the commercial instrument.

20. The system of claim 17, wherein the third server platform is associated with the provider.

21. The system of claim 17, wherein the confidential information comprises a unique identification number associated with a credit card of the user.

22. The system of claim 17, wherein the commercial instrument includes a surrogate credit card number and data associated with the user, the data being prohibited from including the user confidential information.

23. The system of claim 17, wherein the first server platform generates a unique buyer ID that references billing information of the buyer.

24. The system of claim 23, wherein the unique buyer ID is used to target offers of products and/or services to the buyer.

25. The system of claim 17, wherein the third server platform causes information associated with the commercial instrument to be sent to the second server platform to cause the user to be charged based on the confidential information.

26. A method for conducting electronic commerce over a communication network, comprising:

accessing, via the computer network, confidential information of a user which is located within a first server platform in order to create a commercial instrument;

sending the commercial instrument to a second server platform that processes a financial charge attributed to the user based on a business transaction conducted by the user on the first server platform, and

wherein the commercial instrument does not contain at least some of the confidential information of the user, and wherein the commercial instrument serves as a basis for the seller to provide a product and/or service to the user.

27. A method of electronic commerce over a computer network, comprising:

presenting, by a buyer, to an anonymous transaction server a first financial instrument issued by a first issuer to purchase an on-line item;

presenting, by said anonymous transaction server, to a seller of said on-line item a second financial instrument issued by a second issuer different from said first issuer; and

accepting, by said seller, said second financial instrument as a payment for said on-line item.

28. The method of claim 27, wherein the first financial instrument includes information disposed on a credit card.

29. The method of claim 28, wherein the first financial instrument includes at least one of name, address, mailing information, and/or original credit card unique identification number of the buyer.

30. The method of claim 27, wherein the second financial instrument includes a surrogate credit card number, the second financial instrument not including at least some of the information of the buyer as contained in the first financial instrument.

31. The method of claim 27, further comprising:

receiving a unique buyer ID that references billing information of the buyer.

32. The method of claim 31, wherein the unique buyer ID references data used to target offers of products and/or services to the buyer.

33. The method of claim 27, further comprising:

receiving the second financial instrument from the seller to cause the first financial instrument to be used as basis to charge the buyer.