Method and system for conducting online transactions

A computer program product in computer-readable media for conducting transactions for a group of users associated with an organization having premises at a given site, each user having a debit account for use in transactions and activities at the site, the computer program product comprising instructions for causing a computer to:

• identify an item offered for sale by an off-site vendor;
• receive an order from a user for said item;
• charge the account of the user for the order;
• transmit the order to the off-site vendor for order fulfillment;
• and
• pay the off-site vendor for the order.

A computer, comprising:

• at least one processor;
• memory associated with the at least one processor;
• a display;
• and
• a program supported in the memory for conducting transactions for a group of users associated with an organization having premises at a given site, each user having a debit account for use in transactions and activities at the site, the program comprising:
• means for identifying an item offered for sale by an off-site vendor;
• means for receiving an order from a user for said item;
• means for determining if sufficient funds exist in the account of the user for the order;
• means for charging the account of the user for the order;
• means for transmitting the order to the off-site vendor for order fulfillment;
• and
• means for paying the off-site vendor for the order.

A method of conducting transactions for a group of users associated with an organization having premises at a given location, comprising:

• providing each user with an account;
• conducting an on-site transaction at said location for a user using his or her account;
• and
• conducting an off-site transaction for said user with one or more off-site vendors using said account.

A method of conducting online transactions for a group of users associated with an organization having premises at a given site, each user having an account for use in on-site and off-site transactions, comprising:

• identifying an item offered by an off-site vendor and an item offered by an on-site entity;
• receiving an order from a user for the items;
• charging the account of the user for the order;
• transmitting an order for the item offered by the off-site vendor to the off-site vendor for order fulfillment;
• transmitting an order for the item offered by the on-site entity to the on-site entity for order fulfillment;
• and
• paying the off-site vendor and the on-site entity for respective items ordered.