System and method for performing secure user account purchases

摘要: A method and system of performing secure user account purchases in the context a commercial transaction, such as over telephone, wherein customer communicates with custodial authorizing entity, credit card company or issuing bank entity has previous knowledge number well control other parameters interest rate, payment history, available limit etc. The supplies identification data may select one more possible plurality predetermined categories for which define dollar amount purchase specific, time within authorization by will remain effect. then generates transaction code is communicated exclusively to turn only code, different from their number, merchant instead number. indicative identification, designated categories, verifiable conventional manner without providing access an established, continuing account.