Patent ID: 8818872

Claim:
A transaction processing method, comprising: receiving, by a wireless communication device associated with a user, a subtotal message, generated by a point of sale device, wherein the subtotal message indicates that a total dollar amount of multiple items included in a purchasing transaction has been recognized by the point of sale device; responsive to receiving the subtotal message, transmitting a request for credit account information to a credit aggregator; responsive to receiving the credit account information from the credit aggregator, displaying a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts; and responsive to detecting a user selecting a first credit account from the plurality of user credit accounts, transmitting automatically, by the processor of the wireless communication device, account identification information for the first credit account directly to the point of sale device for completion of the purchasing transaction at the time of purchase; wherein the credit account information includes closing date information, indicative of an ending date of a current billing period, for the plurality of user credit accounts.