Patent ID: 8407318

Claim:
A computer-implemented method for on-line management of financial accounts on the web, said method comprising: managing a connection between point-of-service web application for on-line management of financial accounts on the web as on-line services on the web and a Back-Office application maintained by a web merchant for servicing one or more financial accounts, said connection configured to effect a transfer of assets from a financial account maintained by the web merchant as a non-deferred real-time web transactions with the web merchant; the management of the said transfer of assets from the financial account performed automatically at the application layer without executing individual Common Gateway Interface (CGI) scripts for accessing the financial account on the web; activating an OSI application layer on-line service network on the web, wherein said on-line service network is an on-line transfer-of-assets processing service network on the web; and completing the transfer of assets from the financial account in real-time on the web.