Having cast his lot as one of the banking industry's biggest Internet proponents, Richard W. Vague of Bank One Corp. on Monday articulated a future in which consumers lock a few credit card account numbers into an electronic wallet that they will rely on for all on-line payments.

Not surprisingly, Mr. Vague, chairman and chief executive officer of Bank One's First USA division, envisions his company as a top provider of the accounts that consumers will register with on-line merchants.

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