Patent ID: 7379901
Filing Date: 2008-05-27
Classification: G06Q

Abstract:
1. A method of accessing a vendor web site disposed on a network at the vendor location thereon using personal account information of a user retrieved from a credit card company server disposed on the network at a credit card location thereon, comprising the steps of: at a user location disposed on the network, reading a machine-resolvable code (MRC) on a credit card of the user with a reading device, which credit card was issued by the credit card company; extracting coded information from the MRC; obtaining routing information associated with the coded information, which routing information corresponds to the personal account information of the user stored on the credit card company server disposed on the network; connecting the user location to the credit card company server across the network in accordance with the routing information; returning the personal account information from the credit card company server to the user location in response to the step of extracting, which returned personal account information contains routing information relating to vendors that previously had been commercially related with the user; presenting the personal account information to the user at the user location; providing a hyperlink to a web site of a vendor in the personal account information for automatic connection of the user location to the vendor web site in response to the selection thereof by a user in a selection operation; and completing a financial transaction with the selected vendor in the selection operation to make a purchase, and utilizing the connection to the credit card server made in the step of connecting the user location to the credit card company to add purchases to the credit card account associated with the credit card of the user.