Method and System for Anonymous Verification of a User in an Anonymous Distance-Selling Business Transaction

Simple SummaryContent extracted from patent full text and abstract with AI.

This invention provides a secure method and system for anonymously verifying users during distance-selling (e.g., online shopping) transactions performed with prepaid payment cards. The system uses unique serial numbers and TAN (Transaction Authentication Number) codes embedded on the cards. Verification and delivery address management are handled through a network of databases and central servers, allowing users to complete purchases and receive goods without revealing personal or banking information to retailers.

Use CasesContent extracted from patent full text and abstract with AI.

• Anonymous online shopping where users want to protect their identity
• Purchasing digital or physical goods without creating user accounts or disclosing sensitive data
• Payment solutions for individuals in regions with limited access to banks or online payment systems
• Gifting or facilitating purchases on behalf of others while maintaining privacy
• Delivery of goods to locations specified at the time of card purchase, such as retail stores, parcel pickup points, or alternative delivery addresses

BenefitsContent extracted from patent full text and abstract with AI.

• Enhances user privacy and protection by enabling fully anonymous transactions
• Reduces risk of identity theft and fraud since personal and banking information is never shared with merchants
• Simplifies the purchasing process by eliminating mandatory account creation and repeated registration
• Provides easy access to online shopping for unbanked or underbanked populations using prepaid cards
• Mitigates data breaches for retailers, as they do not store sensitive customer information
• Offers flexible delivery options (pre-set at purchase, changeable via secure codes)
• Improves the user experience for one-time or infrequent online shoppers

Technical Classifications (CPCs)

Inventors & Applicants

Patent Abstract

A method for verification of a user in an anonymous distance-selling business transaction via a prepaid payment card using a verification system, wherein the prepaid payment card comprises a unique serial number, at least one first TAN number, and all numbers are stored in a human and/or machine readable form thereon; wherein the anonymous verification system comprises a first database for storing verification information, a plurality of second databases for storing of delivery addresses, and a central server for performing prepaid payment card verification; wherein prior to the verification of the user, the prepaid payment card is registered with the anonymous verification system in a production or post-production process and the unique serial number and the corresponding at least one first TAN number are stored in the first database as verification information; wherein, prior to the verification of the user, a delivery address is linked to the unique serial number and stored in the second database during a distribution process of the prepaid payment card.