A method for managing customer financial accounts in a system for the delivery of products to a customer includes providing a customer account, first customer record, a second customer record, a product database, and a retailer database. The customer account is associated with the retailer database, the first customer record, and the product database. The first customer record is associated with the customer account, where an object of the first customer record is identified as a payer for the products. The second customer record is associated with the product database, where an object of the second customer record is identified as a consumer of the products. A second customer account and a second product database can be associated with the second customer record. The second customer account includes transaction records for the second customer record and provides transaction invoices to the second customer record.