American Express Travel Related Services Company, Inc.

Marla Flatbush

William Bailey

Julia Menichilli

Jeffrey Scott Fehlhaber

Marq Williams

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.

Method and apparatus for processing financial transactions subject to different financing terms

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.

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Mesa, AZ, United States of America

Marla Flatbush