Billing account module similar to one in Apache Ofbiz

Hi folks on the open cart team,
I am quite new to open cart, am from java and Apache ofbiz, but open cart looks a much simpler and easier system to get along with and to maintain.

I would like to add a payment module where the registered customer has the ability to have a running cash account at the store, check his balance, view a few reports, etc. Apache Ofbiz has such functionality, but most store owners won't easily get along with its complexity.

Could you please point me in the right direction.......

Thanks

Solved, the gift voucher in 1.5 kinda solves this one, except customers can't view their gift voucher balances and transactions.

Thanks.