1. A method comprising: 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.