Patent ID: 7006993

Claim:
A method for surrogate control of electronic commerce transactions, comprising: funding at least one surrogate account in a surrogate electronic system; accessing at least one electronic commerce system through the surrogate electronic system; selecting at least one item for purchase from the at least one electronic commerce system; selecting at least one credit card account in the surrogate electronic system; determining an amount due to complete at least one purchase transaction on the at least one electronic commerce system; transferring funds equal to the amount due from the at least one surrogate account to the at least one credit card account; executing the at least one purchase transaction using the at least one credit card account; reconciling transactions for the at least one credit card account, wherein reconciling includes: maintaining a surrogate system ledger including at least one balance for the at least one surrogate account and at least one corresponding purchase transaction record; periodically receiving a credit account statement ledger including purchase transactions resulting in a chance in the at least one balance; and using the credit account statement ledger to adjust the surrogate system ledger.