Abstract: A method for a user to operate accounts with a user device when the user device is operably connected to a communications network, the user having at least one transaction account, the method including the steps of: (a) the user establishing any number of linked transaction accounts and associating same with the at least one transaction account; (b) the user establishing account operating rules for the at least one transaction account and any linked transaction accounts; and (c) the user operating a user device to access the at least one transaction account and/or any linked transaction accounts.

Abstract: A method of performing a transfer of value from a first transaction account to a second transaction account, the transfer requested by operation of a mobile communication device operably connected to a communications network with the operation of the transaction accounts effected by an account operating system also operably connected to the communications network, the method including the steps of a user causing the generation and transmission of a transaction request from the mobile communication device to the account operating system requesting a transfer of value from the first transaction account to the second transaction account; the account operating system receiving and verifying that the transaction request from the mobile communication device is valid; and the account operating system effecting transfer of value from the first transaction account to the second transaction account.

Abstract: A merchant can offer digital content online and receive payment from consumers thereof where the merchant has established at least one online account to receive payments and has associated same with a merchant user device. The merchant provides digital content for offer to consumers online, and an online micro-payment facility receives a consumer request to purchase digital content. Upon verifying receipt of valid payment, the facility transfers the payment, or portion thereof, to the merchant's online account. The merchant retrieves the payment, or portion thereof, upon presentation of the merchant user device to a facility operably connected to the online account.