| abstract |
A system, method and article of manufacture for use in a credit application process are provided. First, a credit request from a buyer using a network is received. In response to this credit request, the credit request is sent to a bank via the network in order to assess the credit available to the buyer, based on the credit request. If the credit is approved, the buyer is accredited by assigning an identifier. A password is then produced for the buyer. The username and password are stored in the database. The password is then sent to the buyer using the network. In application, the buyer must use the password to initiate transactions on the network. In addition, the buyer is assigned a card bearing the identifier. |