Patent ID: 8996407
Filing Date: 2015-03-31
Classification: G06Q

Abstract:
1. A method for performing a financial transaction on behalf of a user, comprising: receiving a request to perform the financial transaction, wherein the request includes parameters for the financial transaction, and wherein the financial transaction involves a purchase which is to be fulfilled using a plurality of credit cards in a first set of credit cards, wherein the first set of credit cards is currently associated with the user; retrieving a set of rules associated with the first set of credit cards, wherein a respective rule in the set of rules determines financial benefits of using a corresponding credit card from the first set of credit cards; applying the set of rules, by a computer, to the parameters to determine financial benefits of using subsets of credit cards from the first set of credit cards to fulfill the financial transaction; determining a value associated with the financial benefits as multiples of a base unit; selecting a subset of credit cards from the first set of credit cards that provide an increased value of the financial benefits over other subsets of credit cards from the first set of credit cards; performing the requested financial transaction using the selected subset of credit cards from the first set of credit cards to increase the financial benefits to the user; determining, by the computer, a second set of credit cards that are not currently associated with the user; determining that the second set of credit cards provide a greater financial benefit for the user than the selected subset of credit cards in performing the requested financial transaction; and notifying the user of the second set of credit cards.