Electronic manager of financial information for retail transactions
First Claim
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1. An electronic transaction system for managing retail transactions having stored financial information, comprising:
- a transaction information database comprising retail transaction information from a plurality of users;
a user profile database comprising a user profile for each user of the system, wherein the user profile comprises access rights specifying one or more retail transactions available to the user;
a financial information database linked to the user profile database and comprising stored financial information for the user;
a business logic manager comprising custom information for each user and defining whether the user is authorized to execute a retail transaction within the system; and
a transaction manager configured to cause one or more processors to execute retail transaction requests from the user based on said authorization to execute said retail transaction.
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Abstract
An Internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles. A rules may also be included, and store information about system responses to modifications of the data. The user profiles may be configured to store information concerning the availability of information and displays depending upon the user.
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Citations
26 Claims
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1. An electronic transaction system for managing retail transactions having stored financial information, comprising:
- a transaction information database comprising retail transaction information from a plurality of users;
a user profile database comprising a user profile for each user of the system, wherein the user profile comprises access rights specifying one or more retail transactions available to the user;
a financial information database linked to the user profile database and comprising stored financial information for the user;
a business logic manager comprising custom information for each user and defining whether the user is authorized to execute a retail transaction within the system; and
a transaction manager configured to cause one or more processors to execute retail transaction requests from the user based on said authorization to execute said retail transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
- a transaction information database comprising retail transaction information from a plurality of users;
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17. A method of managing retail transactions having stored financial information, comprising one or more processors:
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receiving a retail transaction request from a user; reading access rights from a user profile in a user profile database; reading stored financial information from a financial database linked to the user profile, wherein the access rights and stored financial information specify one or more retail transactions available to the user; determining whether the user is authorized to execute the retail transaction request based on the user'"'"'s access rights and if sufficient funds are available based on the stored financial information; and executing the retail transaction if the user is determined to be authorized to execute the retail transaction. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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26. An electronic transaction system for managing retail transactions having stored financial information, comprising:
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one or more processors; means for receiving a retail transaction request from a user; means for reading access rights from a user profile in a user profile database; means for reading stored financial information from a financial database linked to the user profile, wherein the access rights and stored financial information specify one or more retail transactions available to the user; means for determining whether the user is authorized to execute the retail transaction request based on the user'"'"'s access rights and if sufficient funds are available based on the stored financial information; and means for executing the retail transaction on the one or more processors if the user is determined to be authorized to execute the retail transaction.
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Specification