Patent ID: 7849010

Claim:
A method for creating a pre-paid debit account for a customer while the customer is purchasing services or goods from a commercial establishment, the method, comprising: entering customer information, by the customer, in furtherance of the purchasing services or goods from the commercial establishment through a web page of the commercial establishment; the customer requesting the creation of the pre-paid debit account via the web page of a commercial establishment while making a purchase of the services or goods from the commercial establishment, the purchase also being made via the web page of the commercial establishment, transmitting, to a financial services provider server, applicant data formatted according to an application programming interface (API), wherein, the applicant data describes the customer requesting creation of the pre-paid debit account; wherein, the applicant data transmitted to the financial services provider server to be used for fulfilling the customer request is limited only to the customer information that was already entered by the customer in furtherance of the purchasing the services or goods from the commercial establishment through the web page of the commercial establishment thus obviating a need for the customer to re-enter the customer information in furtherance of the purchase; receiving, at the financial services provider server, the applicant data of the customer; generating, by the financial services provider server, the pre-paid debit account; wherein the customer is able to use the pre-paid debit account that has been requested by the customer and generated by the financial services provider server to purchase the services or goods from the commercial establishment.