Method and system for processing a financial transaction

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

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C705S034000, C705S040000

Reexamination Certificate

active

07630937

ABSTRACT:
A method for performing a financial transaction that includes identifying a plurality of payment options associated with a payer executing the financial transaction, wherein each of the plurality of payment options is linked to a financial account of the payer, obtaining cost data and benefit data for each of the plurality of payment options, wherein the cost data includes a cost of using the payment option for the financial transaction and the benefit data includes a benefit of using the payment option for the financial transaction, selecting a preferred payment option from the plurality of payment options for the financial transaction based on the cost data and the benefit data, and processing the financial transaction using the preferred payment option to obtain a transaction confirmation.

REFERENCES:
patent: 2002/0026394 (2002-02-01), Savage et al.
patent: 2008/0005021 (2008-01-01), Brown et al.
Richard J. Sullivan, Risk Managament and Nonbank Participation in the U.S. Retail Payments System, Second Quarter 2007, Economic Review-Federal Reserve Bank of Kansas City, v92, n2, p. 5-40.

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