Importance

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Abstract

Methods are provided for establishing rewards benefits for account holders to attract usage of such accounts. According to a first such method, data storage space is provided to an account holder, the storage space being accessible over the Internet through a central server running on-line digital assistant (ODA) system software configured for managing data in relation to the storage space. An Internet address and passcode are allocated to the account holder, the address enabling Internet access to the central server and the passcode enabling access by the account holder to the storage space. Use of the ODA system software by the account holder, to store, access and process data in the storage space, is enabled upon submission of the passcode. According to a second such method a separate, independently operable subsidiary credit card account is associated with an account holder's main credit card account and a separate credit limit is assigned to the subsidiary account for purchase authorization purposes. For example, rewards points may be accumulated through usage of the main account (the points being redeemable for value) and the value of the accumulated points attributed to the subsidiary account, whereby the credit limit of the subsidiary account is determined by that value.

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First Claim