Patent ID: 8540151
Filing Date: 2013-09-24
Classification: G06Q

Abstract:
1. A method for providing the service, in an environment of networked computing devices which include a service-providing server, of advising a portfolio credit card holder and service user on how to, when making a proposed purchase, maximize the financial benefits to said portfolio credit card holder that accrue from optimally taking advantage of the temporarily varying deals and incentives offered by the various providers of credit cards, and wherein each of said card providers makes available information on said network regarding the financial aspects of each of said offered deals and incentives of said credit card providers, said method utilizing said service providing server and comprising the steps of: collecting and storing information from each of said card providers regarding each of the credit cards which each of said card providers is currently making available in the marketplace and the general user qualifications guidelines for each of said credit cards, collecting and storing information from each of said card providers regarding their currently offered, temporarily varying, specific deals and incentives that are associated with each of said credit cards, registering a portfolio credit card holder to be a user of said service, including collecting and storing information that uniquely identifies said user and each of the various credit cards in the portfolio of said user, collecting and storing information from said user pertaining to said proposed purchase for which said service advice is desired, analyzing, using information on: (a) said proposed purchase of said user, (b) said identifying information on each of the various credit cards in the portfolio of said user, and (c) the temporarily varying deals and incentives applicable to each of the various credit cards in the portfolio of said user, to determine the currently available, comparative financial benefits that would accrue to said user from at this time making said proposed purchase with each of said credit cards in said portfolio of said user, and communicating said comparative-financial-benefits analysis results pertaining to said proposed purchase to said user.