Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce
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United States of America Patent
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Nov 6, 2012
Issued Date -
N/A
app pub date -
Mar 3, 2006
filing date -
Dec 31, 2002
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
The invention provides methods, systems, and computer readable media of performing account acquisitions while associating pending transactions with applications for such accounts. One embodiment includes obtaining transaction information for preliminary transaction(s) by which a customer orders goods and/or services, proposing one or more additional transactions relating to goods and/or services to the customer, along with new accounts to pay for such preliminary or additional transactions, and associating the preliminary or additional transactions is with the new account application as pending transactions. Finally, the method can include requesting approval of the new application, with the transaction for goods/services associated with the application in a pending status. In another embodiment, a method includes receiving and approving an application for a new account, evaluating whether one or more pending transactions are associated with the new account or the application for the same, with the pending transaction(s) having been proposed before the application was approved.
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