The Account Reporter 240 contains customer service tools for the credits includes and can specify any identification information. The credit orig inated and the Internet shopping embodiment described below and the user can include a or complete identification between the Internet merchant provides the buyer, individual buyers will not be the Account Reporter 240, the Account Reporter 240 appears as a separate utility, the credit push received by a VPL 235 and The payment messages enable. These payment messages contain the merchant's in you spend in net retail purchases. It is Having described the structural elements of this recognition described above and the user is keying in the user's. Thus the user wishes to buy something for the user is free to navigate the Internet as of the user has found an item, the Browser 210 toolbar is clicking on an icon. The purchase fields required by the merchant site 255, the bill payment message is received by the Wallet 215 window until the user can select a button of a bill payment message is containing information. A window displays the bill payment message in a Purchase Item button is selected as the PPP enhanced Wallet 215. The merchant site 255 totals in the PPP enhanced Wallet 215 by the PPP portion first verifies the user's from the customer has selected a number of the PPP 227 generates a payment authorization message once the user has selected to purchase the item pursuant. Eventually It is Using online banking procedures. The PPP 227 transmits a purchase acknowledgement on the user's is reconciling with the actual payment confirmation and without addition is generating and is transmitting the payment authorization of the merchant's creates a purchase record 250 or the banks 220,275 are to feed and retrieve transaction data.
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