Patent ID: 7096198

Claim:
In an interactive system for the consummation of a transaction resulting in the issuance of debit card, wherein said interactive system comprises means for entry of subscriber information relative to identification of said subscriber, and designation of a source of funds from which to apply value to said debit card, wherein the improvement comprises: (a) An internet accessible portal, hosted by an issuer of a debit card, having issuer designated fields for supply of subscriber information, relative to identification of said subscriber, and issuer designated fields for subscriber designation of a source of funds, to be used to fund said debit card; (b) Means for issuer communication from said internet accessible portal to an electronically accessible portal or address, from which said designated funds are available to be withdrawn, so as to permit verification of availability for transfer of available funds to said issuer of said debit card for further credit to said subscriber; (c) Means for issuer initiated transfer of said subscriber designated source of available funds to said issuer, to the extent requested by said subscriber, to said issuer to fund said debit card; and (d) Means for issuance of said debit card to said subscriber, in a national currency designated by said subscriber, to the extent of said funds transferred to said issuer, from said subscriber designated source of available funds.