In one implementation of the present invention, a method is provided
including: receiving a request to register with an online computer;
receiving account holder information to register with the online central
computer; establishing an account using at least the account holder
received information including establishing a user-login that is
associated with the account; allowing an account holder to select a
graphic or image from a gallery of graphics or images maintained by the
online computer, wherein a selected graphic or image becomes a
representation that is associated with the account or user-login; and
providing a selected graphic or image from the online computer as a
representation of association with at least one of the account holder,
account and user-login.