Abstract: A financial payment vehicle, such as a charge or credit card, provides lower financing terms on purchases that meet specified criteria (i.e. a minimum threshold transaction amount, a purchase from a particular industry or at particular merchants, and/or other enrollment qualifications) and further provides standard financing terms for purchases that do not meet the criteria.

Abstract: A financial payment vehicle, such as a charge or credit card, provides lower financing terms on purchases that meet specified criteria (i.e. a minimum threshold transaction amount, a purchase from a particular industry or at particular merchants, and/or other enrollment qualifications) and further provides standard financing terms for purchases that do not meet the criteria.

Abstract: The present invention facilitates a calendar auction over a computerized network wherein consumers of professional services may bid on calendar timeslots for needed professional services. A provider creates an account and manages an online calendar to facilitate auctions for defined timeslots. A consumer also creates an account and manages an online calendar to solicit calendar auctions for specific needed professional services over defined times-lots. Both provider and consumer manage their calendar auction accounts and calendar over a computerized network such as the internet.

Abstract: A financial payment vehicle, such as a charge or credit card, provides lower financing terms on purchases that meet specified criteria (i.e. a minimum threshold transaction amount, a purchase from a particular industry or at particular merchants, and/or other enrollment qualifications) and further provides standard financing terms for purchases that do not meet the criteria.

Abstract: The present invention facilitates a calendar auction over a computerized network wherein consumers of professional services may bid on calendar timeslots for needed professional services. A provider creates an account and manages an online calendar to facilitate actions for defined timeslots. A consumer also creates an account and manages an online calendar to solicit calendar auctions for specific needed professional services over defined times-lots. Both provider and consumer manage their calendar auction accounts and calendar over a computerized network such as the internet.