Pre-Grant Publication Number: 20110022514
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Facilitator's Comment 
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Suraj Patel (about 2 years ago)
The actual core of this PA is that you will have an accounts receivable and payable linked to multiple credit card rewards. When a payment is attempted it will find the credit card that offers the best rewards for the purchase. If the credit card does not have enough available funds to make the purchase(maxed out?) money from the accounts receivable will be made to that credit card so the purchase can be made. 1
Isabella Yamin (about 2 years ago)
Interesting. If I interpret this right, this invention allows some kind of online transfer on the spot in small brick and mortar stores?Suraj Patel (about 2 years ago)
I think I am interpreting the PA a little bit different. It seems like this technology would allows small businesses who don't want to pay to get POS terminals or whose banks will not allow their accounts to receive credit card payments a way to accept credit card payments over a transaction network (VisaNet, Mastercard, etc). Doesn't google checkout already do this though?0 days left
