Anon virtual prepaid internet shopping card

A payment system to allow transmission or transactions of a purchase “virtual or in person”, including the current use of payments methods of the financial debit/account/credit/charge card system. Is a new generation of anonymous shopping card (plastic) or account (virtual), with same physical characteristics and electronic mechanisms of a financial debit card system so that the consumer can complete by Internet (virtual) or in person (Point Of Sale) a purchase of goods and services. The card/account is anonymous, prepaid, easy to use, disposable and non-rechargeable with a predetermined value and information stored in his/she data base and includes:

• a) a personal identification number [PIN], b) four digits of expiration date (ED) and c) 3-digit of validation code—3CVC-;
• there is no name as recorded on the card holder or account holder because it is anonymous. The card/account does not use encryption because it is an open network;
• each card/account is an account and is based on existing protocols of the Internet. The card/account with a cash balance after deduction of an activation fee is ready to make purchases of goods or services through the Internet or in retailers. Activation of the account/card must be before first use. Its use is simple and limited only to the fact of giving to the merchants the basic information contained on the card/account (PIN, expiration date and security code) and no other information relevant to the holder's because it is anonymous, they are then transmitted to the system or the card issuing bank for verification, including verification system to determine if the codes assigned to the card/account are valid and are associated with a card or account is valid and if active (authentic) and if there is enough cash in the balance of the account or card to purchase goods or services selected, and the subsequent transfer of an approval code or confirmation to the seller if the information supplied by the purchaser of goods and services is valid, as a sign of approval and payment, if a source refuses, denied, or is not valid if there is insufficient available balance of cash in the account or card to purchase goods or services selected, not transmitting an approval code or confirmation from the seller to the buyer to refuse the commercial transaction. Thus, according to electronic payment system, a single prepaid card/account can be widely used as many times as necessary provided there is availability of cash balances in order to pay the seller and deduct costs. Business transactions are done in real time. The card or account is used in the same transaction and in lines like a major credit card Visa, MasterCard, American Express and Discover. This prepaid card/account protects the identity of a consumer and financial information due to the nature of the invention and can be used online or in retail stores at the same time as it is an open-loop. Cards/accounts are not permitted to be used in automatic teller machines (ATM) to withdraw cash.