SYSTEM, METHOD, AND PROGRAM PRODUCTS FOR COMPILING CREDITS ISSUED BY A TRAVEL PRODUCT PROVIDER

摘要

A computer-implemented system including a credit management component that consolidates all different and disparate credit forms of payment issued by airlines to their customers into a unique account (based on a common currency) owned by consumer and agency customers.

主权项

1. A method comprising:
providing, by one or more computers, a credit bank database comprising data associated with credit accounts assigned to one or more respective customers by one or more respective travel product providers, the credit accounts associated with credit in a first currency and issued by a variety of different types of credit issuers; receiving, by the one or more computers, a request from at least one of one or more user computer systems to purchase a travel product from at least one of the one or more travel product providers using a respective credit account of at least one of the one or more customers; determining, by the one or more computers, whether to accept or deny the request based on one or more conditions; upon the condition that the request is accepted, facilitating, by the one or more computers, purchase of the travel product using the at least a portion of available credit held within the respective credit account of the at least one of the one or more customers, the step of facilitating comprising converting the at least a portion of available credit to a second currency associated with the request; upon the condition that the request is denied, refusing, by the one or more computers, purchase of the travel product using the respective credit account of the at least one of the one or more customers; and communicating, by the one or more computers, the acceptance or denial to the one or more user computer systems.