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Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce

  • US 8,315,915 B1
  • Filed: 07/01/2011
  • Issued: 11/20/2012
  • Est. Priority Date: 03/11/1998
  • Status: Expired due to Term
First Claim
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1. A method, comprising:

  • receiving primary transaction data with respect to a primary transaction for a good or service as at least one input to a system,obtaining, by the system, an identity of the buyer,determining, by the system, a coded designator from the identity of the buyer, the coded designator being indicative of data from a financial institution of the buyer, andprocessing in the system at least in part the primary transaction data including a purpose of the primary transaction and the coded designator, anddetermining, by the system, from the primary transaction data and the coded designator an output including at least one item.

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