A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest...http://www.google.com.au/patents/US20090048963?utm_source=gb-gplus-sharePatent US20090048963 - SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS WITH INTEREST