Point of sale transaction processing

A wireless communication device suitable for use within a transaction processing system, comprising:

• a processor;
• computer readable storage accessible to the processor;
• and
• a wireless module enabling wireless communication;
• wherein the storage includes processor executable program instructions that, when executed by the processor, cause the processor to perform operations including:
• responsive to receiving, from a point of sale device at a time of purchase, a subtotal message, wherein the subtotal message that indicates a total dollar amount of multiple items included in a purchasing transaction has been recognized by the point of sale device, wirelessly transmitting a request for credit account information to each of a plurality of credit sources available to the user;
• responsive to receiving the credit account information from the credit sources, displaying a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts;
• and
• responsive to the user selecting, from the user interface, a first user credit account, transmitting credit account information associated with the first user credit account directly to the point of sale device;
• wherein the credit account information includes closing date information, indicative of an ending date of a current billing period, for the plurality of user credit accounts.

A credit aggregator, comprising:

• a processor;
• and
• a computer readable storage medium, accessible to the processor, including processor—executable program instructions that, when executed by the processor, cause the processor to perform operations comprising:
• responding to receiving, from a wireless communication device associated with a user, a request for credit information wherein the request, sent in response to a subtotal message indicating a total dollar amount for multiple items, includes information indicative of a subtotal for a plurality of items included in a purchasing transaction at a time of purchase by obtaining real time available credit information associated with each of a set of credit accounts associated with the user;
• and
• transmitting the available credit information to the user to facilitate payment for the transaction at the time of purchase, wherein the available credit information includes payment due date information, closing date information, indicative of an ending date of a current billing period, and interest rate information for each of the credit accounts.

A wireless communication device suitable for use within a transaction processing system, comprising:

• a processor;
• computer readable storage accessible to the processor;
• and
• a wireless module enabling wireless communication;
• wherein the storage includes processor executable program instructions, that, when executed by the processor, cause the processor to perform operations including:
• responsive to receiving, from a point of sale device at a time of purchase, a subtotal message indicating a dollar amount of multiple items included in a purchasing transaction, wirelessly transmitting, to a credit aggregator, a message including the dollar amount and requesting credit account information;
• responsive to receiving, from the credit aggregator, the credit account information for a plurality of user credit accounts, displaying a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts;
• and
• responsive to detecting user selection, from the user interface, of a first user credit account, transmitting credit account information associated with the first user credit account directly to the point of sale device;
• wherein the credit account information includes closing date information, indicative of an ending date of a current billing period, for the plurality of user credit accounts.