Abstract: A system, one or more methods, and one or more computer program products capable of automatically authorizing, clearing, and/or settling the withdrawal of funds from at least one account based on the matching of an offer condition attribute with at least one transaction attribute value.

Abstract: A unified system, one or more methods, and one or more computer program products capable of automatically: (a) identifying the product or the product including the product attribute values requested in a user query; (b) identifying one or more retailers offering the product of interest; (c) identifying one or more qualifying offers; (c) authorizing, clearing, and settling a transaction in a unified system; (d) redeeming one or more qualifying offers; and/or (e) executing functions related to the product after purchase.

Abstract: A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder.

Abstract: A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder.