| 摘要 |
A commercial transaction method, useful for anonymous and group electronic commercial transactions, includes establishing an optionally anonymous user payment account at an account manager; transmitting an optionally anonymous purchase request to a seller; the seller transmitting a payment request to the account manager or its agent; upon approval of the purchase, the account manager or agent transmitting payment or credit approval to the seller; and the seller transferring the product to the consumer, optionally via a third-party delivery location under an anonymous delivery code. The method also includes the use of anonymous accounts for wireless or wired telecommunications services providers and Internet access Services Providers (ISP). The user payment account can be divided into sub-account for use by authorized alternative users, each sub-account can include usage restrictions. Authority to create sub-accounts and usage restrictions therefore can be delegated to alternate authorized users. Notification or confirmation requests can be sent to the primary account owner or authorized alternate users for monitoring and security purposes.
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