Patent ID: 8630904

Claim:
A computer system for managing electronic transactions, comprising: a server computer system including: a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including: a data store; a plurality of consumer accounts stored in the data store; a login module receiving login information from a consumer device over the network interface device; an identifier storing module receiving the first consumer account identifier from the consumer device, and storing the first consumer account identifier in association with the consumer account, wherein the first consumer account identifier is selectably and interchangeably storable as one of at least first and second types of identifiers and the storing by the consumer device of the first consumer account identifier only being permitted upon successful login based on the login information; a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier, wherein if the first consumer account identifier is stored as the first type of consumer account identifier then the second consumer account identifier only identifies the first consumer account identifier if the second consumer account identifier has the first type but not if the second consumer account identifier has the second type; and a transaction processing system that processes the charge request based on an account detail of the selected consumer account.