UNIVERSAL CREDIT CARD
First Claim
1. A method, comprising:
- (a) receiving, by a microprocessor executable transaction assistant, purchase information reflecting a proposed purchase transaction by a user of a product offered by a vendor, the proposed purchase transaction including a monetary amount of the purchase transaction; and
(b) selecting, by the microprocessor executable transaction assistant and from among plural finance sources associated with the user, one or more finance sources to finance the purchase transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A method, system and program for providing financing to a user from one or more finance sources are disclosed. Each finance source has financing data associated with that finance source. Purchase information reflecting a purchase transaction including a monetary amount of the purchase transaction is received. One or more of the finance sources are selected using at least a portion of the respective financing data to make the selection. A financing-request transaction is initiated with the one or more selected finance sources on behalf of the user to obtain financing for the user to complete the purchase transaction. A method for selecting a resource is also disclosed. An abstract definition of a resource is received. The abstract definition of the resource is converted into one or more search requests that fall within the abstract definition. The one or more search requests is run against a data repository to produce descriptions of resources. The descriptions of resources are provided. Financing to purchase the selected resource may then be provided.
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Citations
31 Claims
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1. A method, comprising:
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(a) receiving, by a microprocessor executable transaction assistant, purchase information reflecting a proposed purchase transaction by a user of a product offered by a vendor, the proposed purchase transaction including a monetary amount of the purchase transaction; and (b) selecting, by the microprocessor executable transaction assistant and from among plural finance sources associated with the user, one or more finance sources to finance the purchase transaction. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for providing financing to a user from one or more finance sources, each finance source having financing data associated with that finance source, the method comprising:
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(a) receiving purchase information reflecting a purchase transaction including a monetary amount of the purchase transaction; (b) selecting one or more of the finance sources using at least a portion of the respective financing data to make the selection; and (c) initiating a financing-request transaction with the one or more selected finance sources on behalf of the user to obtain financing for the user to complete the purchase transaction. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15)
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16. A system, comprising:
a microprocessor executable transaction assistant operable to; receive purchase information reflecting a proposed purchase transaction by a user of a product offered by a vendor, the proposed purchase transaction including a monetary amount of the purchase transaction; and select, from among plural finance sources associated with the user, one or more finance sources to finance the purchase transaction. - View Dependent Claims (17, 18, 19, 20, 21)
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22. A non-transient and tangible computer readable medium comprising a microprocessor executable computer program, the computer program including executable instructions that cause a computer to:
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receive purchase information reflecting a proposed purchase transaction by a user of a product offered by a vendor, the proposed purchase transaction including a monetary amount of the purchase transaction; and select, from among plural finance sources associated with the user, one or more finance sources to finance the purchase transaction. - View Dependent Claims (23, 24, 25, 26, 27)
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28. A method for selecting a resource, comprising
receiving, by a microprocessor executable transaction assistant, an abstract definition of a resource; -
converting, by the microprocessor executable transaction assistant, the abstract definition of the resource into one or more search requests that fall within the abstract definition; running, by the microprocessor executable transaction assistant, the one or more search requests against a data repository to produce descriptions of resources; and providing, by the microprocessor executable transaction assistant and to a user, the descriptions of resources. - View Dependent Claims (29, 30, 31)
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Specification