Patent ID: 8566242

Claim:
A computer-implemented method for execution by a data processor, the method comprising: receiving a purchase transaction from an on-line purchaser in an online purchase transaction via a digital network interface, the purchase transaction including purchase transaction information including a purchaser credit number uniquely associated with a purchaser credit account previously established on a payment site, the purchaser credit number being defined by the purchaser when the purchaser credit account is created, the purchaser credit number uniquely associating the purchaser with the corresponding purchaser credit account on the payment site, the purchaser credit number being different from existing credit card numbers, the purchaser credit number being any unique variable-length combination of letters, numbers, or symbols, the purchaser credit number for controlling access privileges and an access process for particular merchants to access the purchaser credit account, the access privileges and access process for particular merchants being readily modifiable by the purchaser at the payment site; using the data processor to process the purchaser credit number to obtain associated purchaser credit account information maintained at the payment site; receiving from the payment site a disposition of the purchase transaction; and receiving from the payment site purchaser-specific information to streamline the purchase transaction.