Patent ID: 8244635

Claim:
An Internet-based syndicated transaction system, comprising: a first enterprise hosting integrated transaction services automatically navigating to Web sites subscribed to by an end user scraping and aggregating personal information (PI) specific to the end user from network connected sites, and providing PI and transaction services to the end user; a plurality of second enterprises maintaining each at least one financial account belonging to the end user in which the end user has a monetary balance, each of the second enterprises having a Web site accessible to the first enterprise via the Internet; a plurality of third enterprises maintaining at least one billing account specific to the end user, each of the third enterprises having a Web site accessible to the first enterprise; and an interactive software graphical user interface (GUI) provided by the first enterprise and executable on an end user appliance, displaying an indication of PI including at least the monetary balance of the financial accounts and bills reflecting an amount owed by the user; characterized in that the first enterprise automatically navigates to the Web sites of the plurality of second and third enterprises, logging into the Web sites on behalf of the user scraping and aggregating financial account and billing PI represented in the GUI and the user, through interaction with the GUI, initiates an instruction from the first enterprise to pay a bill at one of the plurality of third enterprises using funds from an associated financial account at one of the plurality of second enterprises by dragging the indication of the financial account to the indication of the bill or by dragging the indication of the bill to the indication of the financial account.