SQL & PL/SQL :: Function To Pass Through Authentication

I wrote many functions before, but NEVER a function to pass through authentication...Here are some of the specs ...In this example, an institution will be accepting tuition and fee payments against bills that are stored in the our system. In addition to the minimum bill authentication parameters, the institution would like to pass us a full name to display when welcoming the user, control the users primary e-mail address, and restrict the payment method on a per user basis.

URL url This will be issued to you by your project manager. It should be of the form URL....

User Id user_id The unique identifier for the user within the institution. This is typically a student ID. (in our database)

Full Name full_name Users full name. Example "John Smith". (in our database) Email Address email Primary email address. in (our database) Payment Method paymentMethod Payment methods allowed for this user.

Allowed values:
"none" :no payments accepted
"ach" :ach is the only accepted
"cc" :credit cards only accepted
"ach_cc" :credit card and ach 16

Key key The shared key that is issued to you by your project manager.Time Zone tz The time zone you are located in. Valid values are:

"E" :Eastern time zone
"C" :Central time zone
"M" :Mountain time zone
"P" :Pacific time zone 1
[code]....

I know I need to have cursor to check on the user_id, full name, email (those values are store in our DATABASE. The URL and the key are giving to me. Do I have to hard code the url in the cursor and stored in a variable so I can check that the url coming in (url in varchar2) is equal to the url in my cursor? The same with the key?