| 摘要 |
A pre-paid debit account system and method enables customers to make purchases anonymously. The system includes three main functional components: a plurality of current accounts, a host computer and associated account inquiry processor and a plurality of activation/authorization terminals. Each of the accounts having a current account identifier associated with it, but maintained independently of the personal or financial identity of the owner of the funds deposited in the current account. When the system is implemented with a debit card, the card is typically formed of cardboard, paper or plastic and may include a machine readable current account identifier. The main management and processing of the system is effected by the host computer. The host includes a database for storing account identifiers associated with authorized accounts. The data terminals are remote from the host computer and connectable for transmitting data between the terminals and the host computer. The system maintains the account independently of owner's identity and allows for the purchase of goods and services from third parties.
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