Enhanced transaction resolution techniques

Abstract

A method for completing a sale transaction is presented. The method comprises establishing network communications between a user and a server arrangement, receiving information, at the server arrangement, seeking available information pertinent to the sale transaction from at least one source external to the server and the user, processing data from the available information using a rules based engine including rules established on behalf of a selling party located at the server, and presenting an offer set to the user based on at least one decision made by the rules based engine. The user may employ various devices to contact the server and seek to complete the transaction.

What is claimed is: 
     
         1 . A method for transacting a sale of at least one item between a user and a selling party, comprising:
 enabling the user to contact a server arrangement configured to provide an amount of money required from the user to purchase the at least one item from the selling party;   causing the server arrangement to seek available financial information including information about the user's current financial condition from at least one financial information service such as a credit bureau;   processing data from the available financial information at the server arrangement using a rules based engine including rules established on behalf of the selling party; and   causing the server arrangement to present an offer set to the user based on at least one decision made by the rules based engine, the offer set comprising at least one individually selectable monetary offer selectable by the user including at least one decisioned monetary sale term determined based on the rules established on behalf of the selling party and available financial information, each individually selectable monetary offer selectable by a user to purchase at least one item.   
     
     
         2 . The method of  claim 1 , wherein the user contacts the server arrangement using one from a group comprising a personal digital assistant (PDA), wireless telephone, telephone, smart phone, tablet computing device, handheld PC, digital camera configured to receive and transmit data, and receiving/transmitting hardware configured to effectuate the transaction. 
     
     
         3 . The method of  claim 1 , wherein the available financial information comprises at least one selected from a group consisting of amount outstanding, user credit rating, existing user debt, and an available user bank balance. 
     
     
         4 . The method of  claim 1 , wherein the at least one item comprises at least one asset. 
     
     
         5 . The method of  claim 1 , wherein the at least one item comprises a plurality of items. 
     
     
         6 . A method of selling at least one item, comprising:
 enabling a user to contact a server arrangement configured to provide the user with an amount of money currently required to purchase at least one item from a selling party;   causing the server arrangement to seek available financial information including information about the user's current financial condition from a source external to the user and the server arrangement, and when financial information is available about the user's current financial condition, receiving the available financial information at the server arrangement;   processing available financial information at the server arrangement using rules established on behalf of the selling party; and   causing the server arrangement to present a transaction resolution offer set to the user, the transaction resolution offer set comprising at least one individually selectable monetary offer including at least one decisioned monetary transaction resolution term based on the rules established on behalf of the selling party and available financial information, each individually selectable monetary offer selectable by the user to result in a sale of the at least one item.   
     
     
         7 . The method of  claim 6 , wherein the user contacts the server arrangement using one from a group comprising a personal digital assistant (PDA), wireless telephone, telephone, smart phone, tablet computing device, handheld PC, digital camera configured to receive and transmit data, and receiving/transmitting hardware configured to effectuate the transaction. 
     
     
         8 . The method of  claim 6 , wherein the available financial information comprises at least one selected from a group consisting of amount outstanding, user credit rating, existing user debt, and an available user bank balance. 
     
     
         9 . The method of  claim 1 , wherein the at least one item comprises at least one asset. 
     
     
         10 . The method of  claim 1 , wherein the at least one item comprises a plurality of items. 
     
     
         11 . A method of selling at least one item from a selling party to a user, comprising:
 enabling the user to contact a server arrangement configured to provide sales information to the user, including an amount of money required to purchase the at least one item;   causing the server arrangement to seek financial information including information about the user's current financial condition from a financial information service such as a credit bureau, and when financial information is available, receiving the financial information at the server arrangement;   processing the financial information at the server arrangement using rules established on behalf of the selling party; and   causing the server arrangement to provide a transaction offer set to the user, the transaction offer set comprising at least one individually selectable monetary offer including at least one decisioned monetary sale term based on the rules established on behalf of the selling party and the financial information, each monetary sale term individually selectable by the user to sell the at least one item from the selling party to the user.   
     
     
         12 . The method of  claim 11 , wherein the user contacts the server arrangement using one from a group comprising a personal digital assistant (PDA), wireless telephone, telephone, smart phone, tablet computing device, handheld PC, digital camera configured to receive and transmit data, and receiving/transmitting hardware configured to effectuate the transaction. 
     
     
         13 . The method of  claim 11 , wherein the available financial information comprises at least one selected from a group consisting of amount outstanding, user credit rating, existing user debt, and an available user bank balance. 
     
     
         14 . The method of  claim 11 , wherein the at least one item comprises at least one asset. 
     
     
         15 . The method of  claim 11 , wherein the at least one item comprises a plurality of items.