Abstract: A method an apparatus to facilitate commerce over a computer network wherein a code data base stores codes and associated passwords, both of which may be printed on cards to create money cards. The codes and passwords, or for convenience, a money card, is purchased by a potential consumer desiring to purchase goods or services over a computer network. The data base records the purchase of the money card for either of a particular amount or a variable amount selected by the consumer. To purchase goods or services the consumer utilizes the money card codes and password at any retailer Internet site, accessed via some form of computer network such as the Internet. The retailer computer verifies the validity and balance of the money card when the money card code and password are utilized to purchase goods or services. Upon receipt of authorization from the money card database, the retailer executes the purchase and the money card data base updates the money card balance in the database.

Abstract: A method to facilitate commerce over a computer network utilizing a prepaid account code. A potential consumer desiring to purchase goods or services over a computer network purchases the account code or card. To purchase goods or services, the consumer utilizes the card and a secret code at any seller web site, accessed via a computer network, such as the Internet. The seller web site verifies the validity and balance of the money card when the account code and secret code are utilized to purchase goods or services. Upon receiving authorization from the money card exchange, the seller executes the purchase and the money card exchange updates the money card balance in a database. In this manner the account code system facilitates commerce over a computer network.