Patent ID: 8010451

Claim:
A method comprising using a communication device, in connection with an offer of a commercial transaction by an offering party in the transaction, for displaying or otherwise making available a credit-only account identifier that enables a credit transaction to be effected in a financial account of a third party associated with the commercial transaction, the credit-only account identifier being insufficient to enable a debit transaction to be effected in the financial account of the third party, a buyer needing no more than the credit-only account identifier to determine that the credit-only account identifier relates to a credit-only transaction and is of a type that is recognized and accepted for effecting credit-only transactions in financial accounts maintained by the financial institutions for their account holders, and the offering party needing no more than the credit-only account identifier to determine that the credit-only account identifier relates to a credit-only transaction and is of a type that is recognized and accepted for effecting credit-only transactions in financial accounts maintained by the financial institutions for their account holders.