Importance

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Abstract

The invention comprises financial accounts and methods of establishing and using the accounts, particularly in monetary and commercial transactions. Customer data is provided to an account provider, an account type is established, a value limit for the account is assigned, funds are deposited in the financial account in an amount not exceeding the value limit, an account expiration date is assigned, and an account signature is generated for use in establishing later entitlement to access the financial account. The financial account has monetary funds associated therewith which may be debited from the account, an expiration date associated therewith after which access to the account is prevented, a maximum funds value comprising the maximum funds which may be associated with the account, and account data for use in establishing entitlement to access the account.

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First Claim