METHOD AND SYSTEM FOR MAXIMIZING CREDIT CARD PURCHASING POWER AND MINIMIZING INTEREST COSTS OVER THE INTERNET

摘要

PURPOSE: A method and a system for maximizing credit card purchasing power and minimizing interest costs over the Internet are provided to display a consumer's credit and banking portfolio in real-time, and to enable the consumer to know available credit and interest rate for each of consumer's credit card accounts and credit balances in the consumer's bank accounts and financial accounts. CONSTITUTION: A consumer(102) registers by providing personal information, information for a plurality of credit card accounts, banking accounts, and other financial information to the Registry Website(104). The registry website(104) preferably queries the consumer(102) to enter a user name and password for all subsequent logins by consumer(102) to the registry website(104) and to the account management frame. It is readily apparent to a skilled artisan that the same username and password are used for the benefit of consumer(102) in that consumer(102) need only remember one username and password. However, separate and distinct username and password may be allocated for logging onto the registry website(104) and the account management frame.