Point of sale transaction processing

摘要

A disclosed transaction processing method includes transmitting a request to a credit aggregator in response to a message from a point of sale device to a wireless communication device of a user. Responsive to receiving credit account information from the credit aggregator, a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts is displayed. Responsive to detecting a user selecting one of the plurality of credit accounts, credit account information is transmitted to the point of sale device. The request may include information identifying the user. The message from the point of sale device may indicate a price associated with the transaction. The credit account information may include available credit information, current balance information, closing date information, payment date information, annual percentage rate information, and so forth.

主权项

1. A transaction processing method, comprising:
receiving, by a wireless communication device associated with a user, a subtotal message, generated by a point of sale device, wherein the subtotal message indicates that a total dollar amount of multiple items included in a purchasing transaction has been recognized by the point of sale device; responsive to receiving the subtotal message, transmitting a request for credit account information to a credit aggregator; responsive to receiving the credit account information from the credit aggregator, displaying a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts; and responsive to detecting a user selecting a first credit account from the plurality of user credit accounts, transmitting automatically, by the processor of the wireless communication device, account identification information for the first credit account directly to the point of sale device for completion of the purchasing transaction at the time of purchase; wherein the credit account information includes closing date information, indicative of an ending date of a current billing period, for the plurality of user credit accounts.