Patent ID: 7931196

Claim:
A system for facilitating a commercial transaction between a consumer and a supplier of goods or services, the system comprising: a consumer communications device configured to initiate on behalf of the consumer at least one request to conduct the commercial transaction using a credit account associated with a consumer credit holder other than the consumer, wherein the request includes at least information relating to the commercial transaction and the credit holder; a credit holder communications device associated with the credit holder, wherein the credit holder communications device is configured to display the request, on receipt, for the credit holder, and to enable the credit holder to authorize a transaction approval service to approve the request; and a transaction approval communications device associated with the transaction approval service, and configured to communicate with the credit holder communications device to route the request to the credit holder communications device, to receive the authorization from the credit holder communications device, and to disapprove the request, after receiving and notwithstanding the authorization from the credit holder.