Abstract: System, method and computer product for a system including a database, a user module, a server system and a service device is provided. The user account includes a funding method and a payment method. The server system stores the user account including the funding method and the payment method in the database. The user module allows the user to transfer monetary funds into the user account using the payment method and allows the user to purchase credits using the monetary funds. The service device provides service(s) and/or good(s) in exchange for a predetermined number of credits. The user module allows the user to request a temporary account with an associated number of credits. The server system generates a temporary account code. The service device accepts the temporary account code, transfers the credits associated with the temporary account to the service device and responsively provides the good(s) and/or service(s).