Patent ID: 8157165

Claim:
A system for establishing functionality for a user operation vehicle, comprising: a selection unit allowing a user to view offered functions and to enter selection information requesting the association of selected functions with the user operation vehicle, wherein the offered functions include a debit function and at least one other type of function other than debit; and a financial processing entity in communication with the selection unit, wherein the financial processing entity includes: a verifier to receive the selected functions entered by the user through the selection unit and to determine whether the user is authorized to have the selected functions linked with the user operation vehicle; a linkage generator configured to link the user operation vehicle with the selected functions when authorization of the selected functions has been determined by the verifier; one or more data repositories to store account information corresponding to the selected functions linked to the user operation vehicle by the linkage generator; and an account interface unit to perform data layer abstraction, caching, and resource management and to provide an interface between the one or more data repositories, the verifier, and the linkage generator.