Abstract:
The inventive communications system dedicated to the sale of first items in conjunction with the establishment of a second, preferably long-term, commercial relationship between the consumer of the first items and sellers of second items is disclosed. A central processing unit is located on the premises of a website operator. In accordance with the invention, a memory is associated with the central processing unit. The memory holds a number of interactive pages for transfer to the central processing unit. At least one of the interactive pages has at least one button associated with a consumer decision. That page further comprises information respecting a choice signified by actuation of the button. A database is coupled to the central processing unit. The database contains information respecting the cost of at least one selectable first item, information respecting at least one selectable sales condition associated with at least one second item, and information respecting discounts on the first item associated with the second item when associated with the sales condition. A modem subsystem is coupled to the central processing unit and connects the computer of a consumer to the central processing unit through a publicly accessible digital information network. The modem has the capability of transmitting a page with an interactive button to the computer of the customer. The modem is also capable of receiving and responding to an actuation of the interactive button and sending a signal indicating the actuation and an associated consumer decision to the central processing unit. A plurality of data lines connect the central processing unit through the modem subsystem to a financial institution coupling information respecting the consumer decision whereby the financial institution may make a financing decision, and coupling information respecting the financing decision from the financial institution to the central processing unit indicating completion of a transaction, the modem subsystem coupling information respecting completion of the transaction to the consumer.

Description:
STATEMENT REGARDING FEDERALLY SPONSORED RESEARCH OR DEVELOPMENT 
     (Not applicable.) 
     BACKGROUND OF THE INVENTION 
     Over the past few months, Internet marketing has come to assume an increasingly important role in the marketplace. Indeed, market shifts and trends which formally took years to effect significant change, under the influence of electronic marketing, have taken commercial procedures in weeks to changes which formally took years to achieve. However, the paradigm of Internet marketing in particular, and electronic marketing generally, has failed to achieve the hoped-for profitability. Nonetheless, compared to the press, radio and most recently television, the Internet (trademark) has implemented changes breathtakingly remarkable, both in terms of the magnitude of those changes and the speed with which the same have been achieved. 
     Perhaps, a major part of the problem is the failure of electronic marketing schemes to depart from prior art marketing paradigms and develop sales implementation mechanisms which overcome the disadvantages of electronic commerce by providing communication interfaces, modalities and functions which combat the personality, uncertainty, consumer fear, unfamiliarity and other associated problems of the electronic marketplace. 
     For example, one of the primary fears in electronic commercial transactions experienced by the consumer is that an error will be made. This is particularly serious because of the fact that computers are known too often “crash”. Sometimes, in accordance with the invention, it has been discovered that consumers are hesitant to explore a commercial website in the electronic marketplace, on account of the fact that it is also feared that exploration may cause a charge to be made improperly. 
     Still another problem, addressed in accordance with the present invention, is the failure of electronic commerce systems to take advantage of potential marketing links. While, of course, the use of hypertext links in website associated with electronic commerce applications is well known, whereby one retailer may provide a gateway through which consumers may be directed from one electronic site to another, other than the happenstance of the hypertext link, there is little incentive for the consumer to move from one site to another, except, perhaps, for curiosity or idleness. 
     In accordance with the present invention, these needs are addressed. At the same time, costs associated with advertising for the website operator and others are reduced. In addition, significant consumer benefits are achieved. Such benefits are achieved by making the site substantially self-contained, in a commercial sense. In this respect, the inventive system departs from prior art systems to the extent that it does not, per se, rely upon hypertext links to other sites in order to achieve market extension cost reduction modalities. 
     SUMMARY OF THE INVENTION 
     The inventive communications system is dedicated to the sale of first items in conjunction with the establishment of a second, preferably long-term, commercial relationship between the consumer of the first items, and sellers of second items. A central processing unit is located on the premises of a website operator. In accordance with the invention, a memory is associated with the central processing unit. The memory holds a number of interactive pages for transfer to the central processing unit. At least one of the interactive pages has at least one button associated with a consumer decision. That page further comprises information respecting a choice signified by actuation of the button. A database is coupled to the central processing unit. The database contains information respecting the cost of at least one selectable first item, information respecting at least one selectable sales condition associated with at least one second item, and information respecting discounts on the first item associated with the second item when associated with the sales condition. A modem subsystem is coupled to the central processing unit and connects the computer of a consumer to the central processing unit through a publicly accessible digital information network. The modem has the capability of transmitting a page with an interactive button to the computer of the customer. The modem is also capable of receiving and responding to an actuation of the interactive button, and sending a signal indicating the actuation and an associated consumer decision to the central processing unit. A plurality of data lines connect the central processing unit through the modem subsystem to a financial institution, coupling information respecting the consumer decision, whereby the financial institution may make a financing decision, and coupling information respecting the financing decision from the financial institution to the central processing unit indicating completion of a transaction, the modem subsystem coupling information respecting completion of the transaction to the consumer. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       Several ways of carrying out the invention are disclosed below in conjunction with the following figures, in which: 
         FIG. 1  is a block diagram showing interactions between participating systems in accordance with the present invention; 
         FIG. 2  is a block diagram generally illustrating the preliminary flows of information in accordance with the present invention; 
         FIG. 3  is a block diagram of the inventive system; 
         FIG. 4  is a block diagram of the algorithm of the present invention; 
         FIG. 5  an illustration of a home page of a website for implementing the inventive algorithm illustrated in  FIG. 4 ; 
         FIG. 6  is an illustration of an information providing page in a website adapted to provide information to a user of the website, without implementing a commercial transaction; 
         FIG. 7  is an illustration of a card catalog used in accordance with the present invention; 
         FIG. 8  is an illustration of a website page functioning as the catalog of a particular manufacturer; 
         FIG. 9  is a website page functioning as a subsection of the manufacturer&#39;s catalog of  FIG. 8 ; 
         FIG. 10  is a website page functioning as a product description toward a particular product contained within the range of products covered by the website page of  FIG. 9 , and including deal-triggering buttons; 
         FIG. 11  is a website page ready to receive information from a consumer; 
         FIG. 12  is a website page similar to that of FIG.  11  and providing information to the consumer in response to consumer entered information; 
         FIG. 13  is a website page similar to that of  FIG. 12 , and illustrating the input of consumer information into the system; 
         FIG. 14  is a website page similar to that of  FIG. 12  showing a different price in response to different input information from the consumer; 
         FIG. 15  is a page from a website adapted to receive detailed consumer information; 
         FIG. 16  is a website page which functions as a catalog for the website operator; 
         FIG. 17  is a website page adapted to receive customer information and provide discount information applicable to a range of products; and 
         FIG. 18  is a website page adapted to present information to a consumer respecting the state of his account and commitments. 
     
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT 
     Referring to  FIG. 1 , it may be seen that the invention may be applied to commerce involving a vendor selling a relatively expensive item, and, in particular, a vendor selling automobiles. In accordance with the invention, automobile vendor  10 , who operates the website, who cooperates with a vendor that sells relatively small-ticket items, such as milk, gasoline, monthly rent, or the like, such as a retailer  12 . Of course the invention may be implemented between two sellers of expansive items or services. Prior to the implementation of the system of the present invention there is an agreement between the vendor  10  and retailer  12  that retailer  12  will accept referrals to customers of vendor  10 . In accordance with the agreement between the vendor  10  and retailer  12 , in exchange for receiving referrals from vendor  10 , retailer  12  agrees to make a onetime payment or series of payments to vendor  10  in order to defray part of the cost of the automobile purchased by a customer of vendor  10 . 
     Because of the nature of new car purchases, it is also necessary, in maximum sales onto the achieved, that vendor  10 , the website operator, have an arrangement with a bank  14  or other financial institution so that qualified customers of vendor  10  may have a source for funds necessary to purchase the automobile. Finally, while not strictly required, the retailer needs a relationship with a credit card issuing company  16  so that customers of vendor  10 , after being referred to retailer  12 , have a convenient means to pay for their purchases. Alternatively, the retailer can issue coupons that add up to the amount committed to per month. 
     As illustrated in  FIG. 2 , in accordance with the invention, it is contemplated that a customer  18  will have a computer or other device connected to the Internet or other electronic marketplace. If the customer wishes to buy a car, he will contact the website vendor  10 , expressing such interest, requesting information and receiving information from the vendor, or call the vendor using a telephone number, such as an “800” number. 
     When enough information has been exchanged and an interest in making a purchase has been expressed by customer  18 , such information is sent to vendor  10  who, in turn, requests information necessary to determine whether bank  14  and credit card company  16  are willing to partake in a transaction. If approvals are received from both the bank  14  and the credit card issuer  16 , such information is relayed to the customer who then places an order with retailer  12  who provides him with the goods or services. It is noted that by a “retailer” in this application is meant any company which deals with consumers, and may encompass conventional retailers, shop owners, electronic marketplace shop operators, and even landlords. 
     In accordance with the invention, it is contemplated that the customer  18  will make minimum commitments over a period of time to make a minimum volume of purchases from retailer  12 , thus enabling retailer  12  to provide a substantial payment to website vendor  10 , thus substantially reducing the cost of the automobile. In addition, in accordance with the invention, it is contemplated that the relationship between the retailer  12  and credit card company  16  provides a certain basis for the charging of the account of customer  18 , in order to ensure that the minimum purchase commitments made by the customer  18  will be met, or at least that the account of customer  18  will be charged for the minimum commitments. 
     In accordance with the present invention, it is also contemplated that the site will be visited by an numerous customers  18 , and that the products of numerous retailers will be available with financing provided by numerous banks, and day-to-day credit card financing provided by numerous credit card companies. In the illustrated embodiment, only a single bank and a single credit card company have been shown for purposes of illustration. 
     As can be seen most clearly with reference to  FIG. 3 , in accordance with the invention, all of the individuals and companies involved in a proposed transaction are electronically connected. As noted above, customer  18  has a personal computer or other device which enables electronic commerce. This enables customer  18  to be linked to website operator vendor  10 . 
     Relatively rapid approvals of credit can be implemented by an electronic connection between website operator  10  and bank  14 , although conventional financing approval links, such as mail, facsimile, and telephone may be used. 
     For several reasons, electronic links are advantageously implemented in accordance with the invention between the website operator  10  and the credit card company  16 . 
     While links between website operator  10  and retailer  12  may be electronic, the relatively time-insensitive nature of the communications between website operator  10  and retailer  12  render such electronic links of lesser importance. Likewise, they need not be electronic links between retailer  12  and customer  18 , as any means of communication between retailer  12  and customer  18  as the customer finds convenient is used in accordance with the present invention. In connection with this, it is noted that the invention does contemplate the sale of many items from retailer  12  to customer  18 . These items include items which are customarily only after personal contact and review of the item. For example, these items may be fruits and vegetables at the local supermarket, china at a gift shop, or gasoline at an automated service station pump. 
     As discussed generally above, customer  18 , in accordance with the invention, identifies the primary product which he wishes to buy, such as a particular make and year of automobile. He is then given the opportunity to commit to buy items such as groceries, a vacation, a rental apartment, or the like. The customer is given the opportunity, as will be described in detail below, to design a promotional package particularly to his liking. 
     This package is achieved through the provision of a mechanism for the customer  18  to send queries to website operator  10  and, complementary to these operations, a mechanism for the website operator to send responses to customer  18 . 
     When such a package has been designed, the customer  18  provides credit information to website operator  10  who, in turn, sends this information along to bank  14  and credit card company  16 . These companies then advise the website operator of their approval, and such approvals are transmitted by the website operator  10  to customer  18 . 
     The operation of the inventive system may be understood with reference to  FIG. 4  which details, generally, the operation of the system of the present invention with reference to a number of website pages illustrated in  FIGS. 5 through 17 . 
     A home page  110  of website operator  10  is illustrated in FIG.  5 . As is the practice in the electronic marketplace, a home page  110  is viewed by potential customers through the Internet, using a computer connected to the Internet by a telephone line or other connection. In accordance with the invention, home page  110  includes the name  112  of vendor  10 . General descriptive material ( 114 ) describing the nature of the transaction is also included on home page  110 . 
     Home page  110  as a dynamic button  116 . By “dynamic” is meant a button whose visual characteristics change over time. For example, button  116  may be made to blink once every second, or it may change color. It is also possible for button  116  to change form from time to time changing, for example, from a car, to a dollar sign, to a steering wheel. In accordance with the preferred embodiment of the inventive dynamic button  116  remains shaped as a button, but blinks on and off. 
     When dynamic button  116  is clicked on or hit by the consumer viewing home page  110 , a sample screen  118 , illustrated in  FIG. 6 , is downloaded to the computer of customer  18 . It is noted that the various pages need not fit the format of a conventional computer screen, as is defined by dashed line  120 . While only that portion of sample page  118  illustrated in  FIG. 6  within the space defined by dashed line  120  may be viewed at a given time, all that customer  18  need do is to scroll to see the rest of page  118  illustrated in FIG.  6 . 
     In order to reduce consumer anxiety respecting the possibility of accidentally triggering a sale and an attendant charge, sample page  118  includes a designation  122  clearly identifying page  118  as nonoperative from a commercial point of view. In particular, page  118  may be labeled clearly with large type with words to the effect that no transaction is possible using the page. Given this assurance, the consumer is then most likely to attempt to experiment and play with the page, with the objective of learning of the type of transaction which may be accomplished using the website. At the same time, the consumer also has the possibility of becoming at ease and skilled in the use of the website illustrated in the figures. 
     In principle, full functionality may be given to sample page  118 . In addition, sample page  118  may lead to a whole set of sample pages corresponding to actual pages. Alternatively, sample page  118  may be given limited functionality in order to encourage visitors to the website to visit the commercially functioning portion of the website. 
     In accordance with the preferred embodiment of the invention, sample page  118  includes information  124  which gives the basis for a hypothetical situation resulting in the sale of a product  126  at a discount price indicated by type  128 . Also in accordance with the preferred embodiment, sample page  118  as an illustration  130  of the product, in this case, an automobile known as a Ford Gemini. 
     It is also contemplated in accordance with the invention that a description of the product in the form of specifications  132  is provided, together with the retail price of the product at indication  134 . In addition to this, it is contemplated that various messages  136  will also be displayed, relating to credit, options, and so forth. 
     Also in accordance with the preferred embodiment of the invention, in order for the prospective purchaser to achieve an understanding of the transaction being offered, there is also provided functionality in some parts of the sample page  118 . In this case, such functionality can be achieved by changing the commitment to buy groceries by clicking on any one of four preset selections ranging between $100 per month to $400 per month, as indicated at  138 . 
     When the person visiting the website clicks on button  116 , he is brought to the car catalogs page of FIG.  7 .  FIG. 7  is simply an alphabetical list of various car makes and models, and each item  140  in this list acts as a link to a page devoted to the particular product listed. For example, if a user were to click on the button which says “Ford”, he would receive the “Ford Catalog” page of FIG.  8 . In similar fashion, clicking the “Ford” button  142  in  FIG. 5  will also cause the downloading of the “Ford Catalog” page of  FIG. 8  to the computer of the customer  18  using the website. 
     Such clicking constitutes a “receive inquiry” operation as indicated at step  144  in FIG.  4 . In accordance with the invention any one of a number of inquiries may be designed into the various web pages in order to provide consumer  18  in the desired information respecting the proposed transaction, including, information respecting the relatively high ticket automobile purchase, as well as information respecting the required supplementary discount supporting transactions which follow the initial purchase of the automobile. 
     As noted above, such clicking requests for information result in the presentation of various pages, such as the Ford catalog page  146  in FIG.  8 . Such a presentation of information by the downloading of page  146  to the customer  18  is an embodiment of the “provide product information” step  150  in FIG.  4 . 
     Subsequent provision of information in response to subsequent inquiries is a characteristic of the preferred embodiment as illustrated in the figures. In particular, the “Ford Catalog” page  146  includes a number of buttons  152  associated with the various types of Ford automobiles in the various indicated categories indicated by type  154 . In addition, photographs  156  of representative automobiles for each category are located beside their designation in type  154 . In accordance with the preferred embodiment, buttons  152 , type  154  and photographs  156  may all be made into buttons which may be clicked on to provide further information. For example, if the consumer clicks midsize button  152   a , this will cause a “receive inquiry step”  144  and result in providing information by the artifice of presentation of the “Midsize Fords” page  158  illustrated in FIG.  9 . 
     Page  158  in  FIG. 9  includes its own set of illustrations  160  showing various midsize Ford automobiles. In addition, basic information on each automobile is shown in areas  162 . Consumer action is invited by a number of buttons  164  with associated invitations to action  166 . Also in accordance with the present invention, illustrations  160  may be made buttons which would trigger downloading of the next screen. It is noted that in accordance with standard procedure, when a cursor is placed over, for example, an illustration  160  which also serves as a button to download subsequent pages, the cursor will turn into a schematic illustration of a human hand with the index finger pointing out to push a button so that the consumer knows that the illustration  160  will cause the downloading of the page associated with the button. 
     In particular, when illustration  160   a  is clicked, it causes the downloading of the “Ford Gemini” page  168  illustrated in FIG.  10 . The “Ford Gemini” page  168  includes an indication  170  of the list price of the car, and an indication  172  of its lowest possible discounted price. 
     Because the various retail services and products which may be offered will vary from city to city and from state to state, the consumer is directed at designation  174  to indicate his city of residence at position  176  and his state of residence at position  178 . Once the consumer has filled in this information, he is invited at type  180  to select a product which will finance his discount. Underneath are located descriptions  182  of various products and buttons  184  associated with each of the products described by descriptions  182 . Here again, both the buttons  184  and the descriptions  182  may be made active buttons to cause the downloading of a subsequent information conveying page. Such artifices may be used in all of the web pages illustrated in this patent. 
     In particular, if button  184   a  is actuated in  FIG. 10 , the system downloads page  186  illustrated in  FIG. 11 , which initially shows no cost but invites, at designation  188 , the visitor to the website to select a minimum monthly grocery commitment at the participating store in this case, ShopSmart. While, in principle, it is contemplated that a default commitment may be shown when the consumer is first directed to page  186 , either possibility may be implemented. In any case, a relatively long time commitment is shown as a default at menu  190 , as this will result in maximizing the discount to the consumer. In order to select a commitment, buttons  192  are provided together with associated descriptive material  194 . If the consumer were to click on button  192   a  in  FIG. 11  on page  186 , the result would be the downloading of page  196  illustrated in FIG.  12 . Page  196  is substantially identical to page  186 , except that it includes cost information as indicated at  198 . In addition, the conditions associated with that cost information are indicated by type  200  located just below type  198 . 
     The provision of page  196  corresponds to the “provide discount information” step  202  illustrated in FIG.  4 . The “provide discount information” step  202  may also be repeated. For example, by pushing the “scroll down” button  204 , the consumer will see the display on his computer change to that illustrated in FIG.  13 . The scroll menu  206  includes a number of entries  208 . The selected menu items selected by the consumer are highlighted, as illustrated in FIG.  13 . 
     Referring back to  FIG. 12 , if the consumer wishes to lower his cost, he is invited at designation  210 , to push another button  212 . It button  212  is clicked, result is the presentation of page  214 , substantially as illustrated in  FIG. 14 , but with the cost information different from that in FIG.  13 . 
     However, after the consumer clicks a button  216  indicating a commitment to spend $75 per month at a particular gasoline retailer, the price indicated drops from $19,000 to $17,500. At this point, the consumer may elect to add yet another category to continue to lower his price, or he may, instead, decide to take a test drive or agree to buy the product. He may indicate his desire to take a test drive at button  218  adjacent designation  220 . A test drive may be arranged by making a telephone call to the customer, inviting the customer or to make a telephone call, or by e-mail communication. 
     Similarly, he may elect to accept purchase of the automobile at a button  222  near designation  224  which indicates his desire to purchase the automobile. Such acceptance result in the “receive order” step  226  illustrated in FIG.  4 . 
     Whether the consumer selects a test drive or a purchase, the form of  FIG. 15  is useful to gather appropriate consumer information in the “receive credit information” step  228  in FIG.  4 . Thus, in accordance with the preferred embodiment, the clicking of either button  222  or  218  in  FIG. 14 , results in the downloading of information gathering page  230 , illustrated in FIG.  15 . 
     At page  230 , the consumer is invited to fill in his name, address, city, state, zip code, E.-mail address, telephone, facsimile number, credit card number, type, and date of expiration of that credit card, his bank, account number, branch, employer and related information of the type typically gathered to clear credit. The same is indicated by type  232  on page  230  in FIG.  15 . 
     Once this information is completed, button  234  is made active and the consumer make click on button  234  to complete the transaction, subject to credit approval, or arrange for a test drive. In the event that a test drive is arranged, the consumer may then simply complete the transaction during the test drive, or may return to the website at a later date to complete the transaction by clicking button  236 , causing the display of the latest version of the deal engineered by the consumer, in the case of the instant example, the display of page  214  in FIG.  14 . 
     At this point, the consumer can continue to change the deal to his liking, and once he pushes button  222 , the transaction is completed, subject to credit approval, which will be communicated to the consumer upon receipt of approval or disapproval. 
     In a manner similar to the activation of button  116 , home page  110  is provided with a button  238  which also brings the consumer to the car catalog page of FIG.  7 . Likewise, buttons to  240  bring the consumer to the described page, for example, in the case of button  240   a , a display similar to that illustrated in  FIG. 11 , but with a default car and cost and an appropriate scroll down key to change products is presented to the consumer. In similar fashion, button  240   b  will bring the consumer to the “suggestions” page  242  illustrated in FIG.  16 . This page merely consists of a list of various products in alphabetical order. Each of the items  244  on the list acts as a button to link to an appropriate page with information. 
     Also in accordance with a present invention, it is contemplated that a page indicating discounts, where there has been no automobile selected, instead of indicating a cost figure, will, instead, indicate a discount figure. Such a page  246  is illustrated in FIG.  17 . In the  FIG. 17 , one sees a discount of $3000 indicated by type  248 . Such a discount is indicated for a grocery commitment of $400 per month at the participating supermarket ShopSmart. This is indicated by the placement of the letter “x” at 250. Other features of page  246  are similar to the discounted price indicating pages illustrated in  FIGS. 11-14 . 
     Referring to  FIG. 4 , upon receipt of a completed credit application in the form of page  230  in  FIG. 15 , this information is transmitted to the bank  14  and the credit card company  16  at step  252 . Upon receipt of the credit information of the potential customer, the bank and the credit card company act on the same. If the bank approves the transaction, this information is received by the website operator at step  254 . Likewise, if the credit card company approves the transaction, this information is received by the website operator at step  256 . 
     If either of these organizations does not give an approval, alternate banks and credit card companies may be contacted in order to try to shop the loan and/or the credit card relationship. Insofar as the automobile is a collateral with respect to the transactions with the bank and the credit card company, such a loan should be relatively easy to implement. 
     Once approvals have been obtained from a bank and a credit card company, this information is transmitted to the potential customer at steps  258  and  260 . At the same time, the bank must be told that the credit card company has approved the transaction and the credit card company must be told that the bank has approved the transaction. This is achieved at step  262 , resulting in the completion of the contract surrounding the transaction. 
     Once the bank has been informed via electronic channels respecting the formation of the contract, the bank transfers the principal amount to the website operator  10  at step  264 . In similar fashion, once the retailer receives notification of the contract, he transfers the amount of the discount to the website operator at step  266 . This last transfer, as well as the transfer by the bank may both be made electronically, resulting in complete payment being received by the website operator in two transactions indicated at steps  268  and  270 . Upon receipt of both parts of the purchase price of the automobile, the website operator delivers the product at step  272 . In accordance with the invention, a portion of either or both of these amounts is retained by the website operator. 
     At this point, the website operator changes his function from a deal maker to that of a service provider, providing information to the participants in the transaction. In accordance with the invention, it is contemplated that both the bank and the credit card company will have security interests in the automobile sold by the website operator. In principle, such interests may be non-subordinated and proportional to the outstanding balance on the bank and/or and an agreed to percentage of the remaining commitment in sales to the retailer. Alternatively, the interest of the retailer may be subordinated to that of the bank, insofar as the bank may have a larger interest in the monies associated with the remaining term of the contract between the parties. 
     In accordance with its service provider function, the website operator  10  periodically queries retailers at step  274 , respecting the extent to which the customer  18  has met his commitment. In principle, it is contemplated in accordance with the invention that the minimum amount will be charged to the credit card every month, and that, if the customer does not consume products up to the amount charged by the credit card company, the customer  18  will accumulate a credit which he may consume at any time. 
     In accordance with the present invention, it is contemplated that the website operator will periodically query the retailers and the bank and any other companies participating in the transaction. This is done for the purpose of generating tallies of purchases, payments, and associated information in a register which keeps track of the status of the subject transaction. 
     As information is received from the retailer or retailers to which long-term commitments have been made, the website operator updates customer information in response to information provided by such retailer or retailers at step  276 . The result is to update customer status at step  278  to produce a page  280  such as that illustrated in FIG.  18 . Page  280  includes the name  282  of the customer  18 , address information  284 , and the date at which such information was current. 
     Page  280  also includes a field  286  showing, for a first retailer, the purchases made the previous month, the purchases made to date during the current month and the amount of money which must be spent with the retailer in order to meet the minimum commitment that month. This field also shows the consumer is meeting his minimum monthly commitment in accordance with the contract which he entered into to purchase the automobile that received the discount from the particular retailer. 
     In addition, page  280  includes a field  280  a which has identical information respecting a second retailer to which the customer  18  has made a minimum monthly commitment. 
     In accordance with the invention, it is also noted that some commitments to retail service and/or product providers may not be of a monthly nature. For example, there may be a commitment to purchase a vacation for one or more individuals within a specified time period. If such vacation is not purchased within the committed time period, the credit card of the consumer may be charged with the cost of the vacation. In accordance with the present invention, such commitment may also appear on screen  280 . 
     Also, in accordance with the present invention, it is contemplated that the credit card company need not always be involved as a separate entity, insofar as banks often have credit card services. Finally, it is also possible to employ a bank with automatic deductions from the account of customer  18 . In accordance with this arrangement, the customer  18  would also be a customer of the bank, and the bank would provide the purchase price, or a portion of the purchase price for the automobile. In this respect, the bank may be agreeable to financing and the sale of the automobile at a lower rate of interest, insofar as it has acquired customer  18  as the bank&#39;s customer. 
     As information is retrieved from retailers at step  274 , and customer status is updated, the information is sent to page  280  at step  290  in FIG.  4 . In addition, the website operator may also receive information on the payment of the loan made by the bank, and when the bank loan is completely paid off and the commitment to the retailer or retailers has been made, the Website operator may implement the transfer of title at step  292 . Finally, as is alluded to above, it is contemplated that screen  280  will, in response to consumer inquiries at step  290 , be made available to customers at step  296  in FIG.  4 . 
     While illustrative embodiments of the invention have been described, it will be apparent to those of ordinary skill in the art that minor modifications of the disclosed embodiment may be made without departing from the spirit and scope of the invention, which is limited and defined only by the appended claims.