Universal pre-paid payment card for making payment over telecommunication networks, uses pre-paid card with scratch-off strip covering unique code that is sent by user to make purchase

摘要

The payment card (1a) is purchased by the user who then removes a coating (1f) to reveal a unique code, which can be used to make purchases via a telecommunication network. This allows transaction without sending or storage of personal data, enhancing confidentiality and ensuring secure payment.