I would like to implement some premium options within my website. But most modules I have looked at, focus on providing payment-interactions (buying items, adding node etc.).
In contrast, I am looking for keeping a seperate account per user and their purchases. My expected workflow would be that the user establishes a certain balance eg. 100 USD and then uses this balance to purchase many small items/subscriptions/etc. The payments should be handled via automated payment gateways (Paypal or some credit card processor) or through manual payments added by admin.
Can you suggest any modules - ideally for D6, but feel free to post D7 solutions too - that would faciliate managing a user-based account in Drupal?
Btw, I am aware that the complete solution is not availible out of the box and that custom modules will be necessary. I am also open to suggestions relying on external services or alternative ideas like the userpoints module.