Patent ID: 7729985

Claim:
A computer-implemented method for providing an account to an accountholder, said method comprising: providing an account to an accountholder, wherein said account serves as a common account for accessing and using deposit services and online social community Internet services provided by a provider, wherein said providing said account to an accountholder that serves as a common account for accessing and using deposit services and online social community Internet services provided by the provider is performed by at least one electronic processor that is associated with the provider of said online social community Internet services; receiving a deposit in said account, wherein said deposit comprises a payment to the accountholder from a payor that is not the accountholder and said deposit is deposited into said account by the payor of said payment to said accountholder, wherein receiving said deposit of said payment to the accountholder in said account is performed by at least one electronic processor; enabling commerce in the form of a purchase to be conducted with said account, wherein the purchase in commerce is from an entity which is not the provider of the deposit or online social community Internet services, wherein a payment for the purchase in commerce is withdrawn from the account, and wherein said enabling commerce to be conducted with said account is performed by at least one electronic processor; and enabling withdrawal to the accountholder of money deposited in said account from said account, wherein said enabling withdrawal of money deposited in said account from said account is performed by at least one electronic processor, wherein said enabling withdrawal of money deposited in said account from said account comprises enabling withdrawal of money from said account at a retail location.