| 摘要 |
An apparatus and method provides for the crediting of accounts of a user for purchasing a given product. A manufacturer establishes an account with a service bureau who, in turn, sets up an access line such that the user can access the line to obtain a credit on his account. The account is typically a distinct account for each user associated with each user's individual access line. The service bureau can tabulate total credits for a given user during a given time period and then each user's account can be credited as appropriate.
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