Method and system for maximizing credit card purchasing...

Details Method and system for maximizing credit card purchasing... Method and system for maximizing credit card purchasing...

G - Physics

06

Q

G06Q 40/00 (2006.01) G06Q 30/00 (2006.01)

Patent

CA 2400931

A system and method for facilitating an electronic commerce transaction by a consumer is presented. The system involves acquiring a purchase amount for an Ecommerce transaction between a consumer (102) and an Internet shopping portal (106); querying each of a plurality of consumer accounts for associated financial information from issuing banks (112) and consumer's banks (116); evaluating the associated financial information obtained for each of the plurality of consumer accounts and facilitating a selection of one or more accounts based on the evaluation step to enable the consumer to complete the Ecommerce transaction. A Registry Website (104) will notify consumer (104) that the consumer may be authorized to merge foregoing accounts sufficient to cover the entered purchase amount.

L'invention concerne un système et un procédé permettant de simplifier une transaction commerciale électronique pour un consommateur. Ce système implique l'acquisition d'un montant d'achat pour une transaction de commerce électronique entre un consommateur (102) et un portail marchand Internet (106); l'interrogation de chaque compte de consommateur pour obtenir des informations financières associées à partir de banques émettrices (112) et de banques au consommateur (116); l'évaluation des informations financières associées obtenues pour chaque compte de consommateur et la simplification d'une sélection d'au moins un compte en fonction de l'étape d'évaluation, et ce afin de permettre au consommateur d'achever la transaction commerciale électronique. Un site Web de registre (104) communique ensuite au consommateur (104) qu'il est autorisé à fusionner lesdits comptes afin de couvrir le montant d'achat saisi.

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