Patent ID: 8611867
Filing Date: 2013-12-17
Classification: G06Q,H04L

Abstract:
1. A network system for providing recommendations to and automating tasks for a mobile subscriber having a mobile device, said network system comprising: a plurality of servers, wherein the plurality of servers sends product, vendor, and pricing information to the mobile subscriber based on purchases made by the mobile subscriber; an Intelligent Information Collecting Repository in communication with the servers; and a User Profile generated by the Intelligent Information Collecting Repository, the user profile comprising information regarding the purchases made by the mobile subscriber using the mobile device, containing a log of activities performed by the mobile subscriber on the mobile device, and including a plurality of potential credit card accounts defined by the mobile subscriber, the user profile further including a credit score for the mobile subscriber, wherein when the mobile subscriber initiates a financial transaction, logic on one or more of the plurality of servers transmits information about the financial transaction and the credit score to a credit card company associated with one of the potential credit card accounts, and receives a response from the credit card company, the response being transmitted to the mobile subscriber, thereby enabling the mobile subscriber to select a best offer from a plurality of credit card companies associated with said plurality of potential credit card accounts.