Method and system for providing a secured multi-purpose electronic account
First Claim
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1. A method for providing online commerce comprising:
- receiving a request for credit functionality from a customer;
establishing a credit account if said customer meets credit worthiness requirements of a credit provider;
generating an account identifier associated with said credit account;
receiving a request for debit functionality, said request for debit functionality including debit source information;
verifying debit worthiness of said debit source; and
establishing debit functionality for the customer and associating said account identifier with said debit source.
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Abstract
An exemplary embodiment of the invention is a method for providing online commerce. The method includes receiving a request for credit functionality from a customer and establishing credit account if the customer meets credit worthiness requirements of a credit provider. An account identifier is associated with the credit account. The method also includes receiving a request for debit functionality that includes debit source information. The debit worthiness of the debit source is verified and the account identifier is associated with the debit source.
55 Citations
22 Claims
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1. A method for providing online commerce comprising:
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receiving a request for credit functionality from a customer;
establishing a credit account if said customer meets credit worthiness requirements of a credit provider;
generating an account identifier associated with said credit account;
receiving a request for debit functionality, said request for debit functionality including debit source information;
verifying debit worthiness of said debit source; and
establishing debit functionality for the customer and associating said account identifier with said debit source. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 19, 20, 21, 22)
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18. A method of performing online commerce comprising:
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assigning a consumer an account identifier, said account identifier including an account number and a password. receiving a request from the consumer to perform an online transaction;
prompting the consumer to enter said account identifier in a single step; and
authorizing said online transaction in response to said account identifier.
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Specification