WO2014108762A2

WO2014108762A2 - Dynamic products & services card & account and/or global payments & mobile network(s) mediated & managed dynamic e-commerce, advertising & marketing platform(s) and service(s)

Info

Publication number: WO2014108762A2
Application number: PCT/IB2013/050757
Authority: WO
Inventors: Yogesh Chunilal Rathod
Original assignee: Individual
Current assignee: Individual
Priority date: 2013-01-14
Filing date: 2013-01-29
Publication date: 2014-07-17
Anticipated expiration: 2015-07-14
Also published as: WO2014108910A3; WO2014108910A2

Description

TITLE

Dynamic products & services card & account and/or global payments & mobile network(s) mediated & managed dynamic e-commerce, advertising & marketing platform(s) and service(s)

COPYRIGHTS INFORMATION

A portion of the disclosure of this patent document contains material that is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure, as it appears in the Patent and Trademark Office patent file, but otherwise reserves all copyright rights whatsoever. The applicant acknowledges the respective rights of various Intellectual property owners.

FIELD OF INVENTION

The present invention relates generally to dynamic products & services card & account and/or global mobile network(s) and/or payment network(s) including banks, financial institutions or unions or groups or associations or networks, Automated Clearing House (ACH) network i.e. electronic networks for financial transactions, Electronic Payments Networks (EPN), International Payments Framework Association, electronic wallet network, contactless payments via mobile or cards network, mobile payments platform, mobile service providers network, direct carrier billing network and/or internet or communication network(s) and/or payment card network(s) including visa, MasterCard, banks, issuer of card or card including debit and/or credit and/or payment cards and/or card account mediated or integrated or managed or controlled e- commerce, advertising, supplying, & marketing service(s), platform(s), web site(s), portal(s), management(s), application(s), service(s), smart device(s), exchange(s), marketplace(s) and In- Card E-commerce & Marketing Billing & Invoicing. BACKGROUND OF THE INVENTION

A credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services provided by various merchants and online web sites based on the holder's promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

At present card issuer(s) and/or card network(s) and/or acquirer(s) and/or merchant facilitates user in providing short term loans, making offline & online payments for buying of goods and services to plurality types of merchants and getting small percentage of charges for providing said services and transaction. But currently there is no any card issuer and/or card network mediated e-commerce & marketing services which dynamically allowing products and/or services to cardholders to purchase based on particular credit limits for particular duration, installments, discounts & offers provided by providers or sellers of products and/or services, provide centralize management for managing offline and online e-commerce & marketing and charge bill via credit card statement.

Currently there is payment & mobile card network(s) enabled or mediated or managed or controlled or billed centralize e-commerce, marketing, supplying & advertising platform, web site, applications, services, exchange & smart devices is available which present invention provides including debit and/or credit card issuer(s) (e.g. Citi Bank) and/or card network(s) (e.g. Visa or MasterCard) and/or acquirer(s) (e.g. merchant bank [MB]) and/or merchant (e.g. [Offline Vender [A] and Online Vendor [Yogesh Rathod]) and/or partner(s) (e.g. products and service providers, brands and e-commerce & marketing service provider via or of issuer(s) and/or card network(s) and/or acquirer(s) and/or merchant) and/or 3 rd parties service provider(s) of issuer(s) and/or card network(s) and/or acquirer(s) and/or merchant mediated vending, retailing, e- commerce, advertisements, marketing including searching, matching, selecting, receiving preferences, privacy settings & auto matchmaking based products and services, selling, submitting deals, buying, trading, and e-commerce services, tracking, accounting, billing, supporting, managing of sales, purchases, e-commerce activities, transactions, customer relationships, user profile, account and expense management. So by using present invention card issuer(s) and/or card network(s) and/or acquirer(s) and/or merchant can provide credit and/or debit card enabled or mediated or managed or billed e-commerce & marketing services to card holders and sent purchasing related bills via card statements. So present invention combines or merges payments networks services including payment transactions via credit card service with online e-commerce & marketing services & offline merchant mediated selling or retailing services. At present payment network(s) and e-commerce services or web sites both are independently and separately working. Payment Network only used for payment transactions for conducting e-commerce by heterogeneous plurality of e-commerce web sites, services, platforms, applications, networks. There is no centralize payment & mobile card network(s) enabled or mediated or managed or controlled or billed e-commerce, marketing, supplying & advertising platform, web site, applications, services, exchange & smart devices is available which provides combined services of payment transactions with e-commerce services including searching, matching, selecting, buying, managing user account, user profile, products & services, expenses, budget, inventory, order, purchases, payments, dues, installments, social networks and plurality of other e-commerce features.

For example Issuer Bank (Citi Bank) provide credit card [PS (Products & Service) Credit card] to Card Holder [Yogesh Rathod] via Card Network [Visa] and allow to purchase brands [O], [P] and [Q] based on credit limits, payment duration limits, discounts and installments provided by providers. Issuer Bank (Citi Bank) also establishes e-commerce & marketing service via partners [ABC] & have partnership with various brands including brand [O], brand [P] and brand [Q] and various retail merchants e.g. [MB] have POS terminals or virtual POS systems with merchant account with acquiring Bank [XYZ] and in addition merchant have online e-commerce & marketing web site or application of issuer bank and/or partners or associates or affiliates of issuer bank which facilitate searching, matching, selecting, buying or buying on behalf of purchaser a listed or affiliated or partnered or authorized products & services. Now Card Holder [Yogesh Rathod] visits shop of merchant [MB] in mall and buys various branded products including brand [O], brand [P] and brand [QJ. Now User [Yogesh Rathod] enables to gets various recurring and installments payment facilities and credit schemes and facility associated with brand [O], brand [P] and brand [Q] from brand [O], brand [P] and brand [Q] provider(s). Credit card does not charge card holder [Yogesh Rathod] at the time of purchasing of said brand [O], brand [P] and brand [Q], but will charge in credit card statement based on credit & recurring and installment payment scheme(s) associate with corresponding or of respective brand [O], brand [P] and brand [Q] or credit & installment scheme(s) or facilities provided by brand [O], brand [P] and brand [Q] provider(s). It helps issuing bank and/or card network(s) to increasing revenue exponentially from existing millions or billions of card holders and helps card holders in extending credit limits from goods and service providers, receives discounts, coupons, Gift Certificates, redeemable points, vouchers, receive credit facility based and preference based products, services & deals from various sources or providers, receive dynamic deals (if number of buyers purchase similar brand product within particular duration e.g. 24 hours then % of discount varies), loans, credits, installment facilities, receive installment facilities, enable to track & manage expenses, installments, loans, credits, billing, support, e-commerce, purchases & account centrally. Brand owner gets loyal and repeat customers via providing extended credit, installment & discount facilities and can centrally manage distributed online & offline purchaser or customers relationships.

Card schemes such as Visa or Mastercard have a very strong market position with well- established global brands and high levels of user trust. They innovate to make card payments more user-friendly, e.g. with contactless technologies at the point of sale, or online/ mobile payment methods that don't require the full entry of card numbers and details. Startups and technology companies such as Square are introducing mobile card readers, which shift cash payments with small merchants to card payments. Credit card companies can change their market position significantly by acquiring a direct relationship with buyers and sellers, and by facilitating value added services such as targeted offers, discounts and rewards.

Online gorillas and walled gardens are large technology companies building up a payment ecosystem. They leverage their closed ecosystem (e.g. eBay buyers and sellers with more than 100m PayPal accounts) or technology platform (e.g. Google's Android with more than 60% market share in Smartphone sales) to acquire a large number of users for their payments. They can disrupt the existing payment market by providing an electronic wallet and control online and offline transactions end-to-end. Also, technology companies providing alternative payments benefit from the shift of physical media businesses (e.g. books, movies, music) towards digital formats, such as eBooks, mp3-downloads and video streaming.

Mobile carriers are building joint ventures across the fragmented carrier market in order to integrate an electronic wallet into the mobile phone. They leverage their relationship with mobile phone users and make use of the SIM card inside of a phone, which bears security features that are similar to the chip on a Debit card. In developed markets, mobile carriers have the opportunity to break into mobile and in- store payments and turn the phone number into a payment method. Also, carriers serve the digital goods market with direct carrier billing or direct operator billion (DOB). Companies such as Zong and Boku offer the phone number as a very convenient and easy payment method for small transactions, known as micropayments (mostly $10 and below). Buyers are charged via their phone bill and don't need any cards, which makes this payment method attractive to reach customers who don't tend to carry credit or debit cards, e.g. teenagers.

At present carriers serve the only digital goods market with direct carrier billing or direct operator billion (DOB). By using present invention, it is possible that through DOB, operators will be able to extend their e-commerce credentials into physical goods and services. It is possible that any online payment could be charged to the phone bill rather than to another payment mechanism. So present invention increases the potential benefits to operators significantly and may fundamentally alter the role of the operator in our lives.

Rising stars are fast growing companies with the potential to become game changers in the payments industry. They are innovating by lowering the cost per transaction (e.g. Dwolla), offering specialized solutions for virtual currencies (e.g. Playspan) or making the user and merchant experience generally more convenient (e.g. Stripe, Jumio). Their opportunity is to capture an increasing market share from established card and alternative payment methods in the online and mobile segment.

Electronic invoicing - e-Invoicing - is electronic transfer of invoicing information (billing and payment) between business partners (supplier and buyer). It is an essential part of an efficient financial supply chain and it links the internal processes of enterprises to the payment systems. Electronic billing is the electronic delivery of invoices (bills) and related information by a company to its customers. Electronic billing is referred to by a variety of terms including the Electronic bill payment, EBPP— electronic bill presentment and payment (typically focused on business-to-consumer billing and payment), EIPP — electronic invoice presentment and payment (typically focused on business-to-business billing and payment), "e-billing", "e- invoicing", "electronic invoicing", ePayables, elnvoice, Telecommunications billing. While there are current efforts to standardize systems for electronic billing and invoicing, there is currently a wide variety of options for businesses and consumers. Most fall into two categories: CSPs (customer service providers) which allow a business to invoice clients electronically, and bank aggregators, which allow consumers to pay multiple bills, typically through their bank. Increasing acceptance of e-billing by consumers and the business community (according to Kiplinger magazine, 77% of business owners now favor electronic billing), as well as increased concern for security and the environment, is speeding up the shift to electronic billing from paper billing. Based on 2011 data, MasterCard found that in total, annual commercial and government spending accounted for $93 trillion, of which $17 trillion could be handled by card networks. However, cash still accounts for 85 per cent of global consumer transactions - and consumer transactions are only a portion of the total global payments figure. The actual current commercial card network spend is $1.6 trillion.

Present invention enables true global e-invoicing platform, new kind or products and/or service card and payment & mobile network(s) including payment card mediated, managed, and enabled e-commerce, retailing, marketing & billing which transforms global cash transactions of consumers into online manageable transactions.

A purchasing card (also abbreviated as PCard or P-Card) or procurement card or corporate purchasing card or commercial card is a form of company charge card that allows goods and services to be procured without using a traditional purchasing process. Purchasing Cards are usually issued to employees who are expected to follow their organization's policies and procedures related to P-Card use, including reviewing and approving transactions according to a set schedule (at least once per month). The organization can implement a variety of controls for each P-Card; for example, a single-purchase dollar limits, a monthly limit, merchant category code (MCC) restrictions and so on. In addition, a cardholder's P-Card activity should be reviewed periodically by someone independent of the cardholder. A Purchasing Card (P-Card) is a type of Commercial Card that allows organizations to take advantage of the existing credit card infrastructure to make electronic payments for a variety of business expenses (e.g., goods and services). In the simplest terms, a P-Card is a charge card, similar to a consumer credit card. However, the card-using organization must pay the card issuer in full each month, at a minimum. P-Cards are also known as Procurement Cards (ProCards), Payment Cards, Purchase Cards. Organizations that use P-Cards come from the Corporate, Education and Government sectors and are often called "end-users." The individual employees who are issued a P-Card to initiate transactions/payments on behalf of their employer (the end-user organization) are known as "cardholders." With the Purchasing card, user can significantly reduce the time and cost of paying for a variety of business-to-business goods and services. Purchasing eliminates paper- based purchase orders and invoice processing. The Purchasing card can help in managing spending because it: Streamlines procurement process, integrates into existing financial systems, Gives complete data on all purchases of cardholders, has the potential to achieve substantial cost savings over traditional procurement methods, the purchasing card is one of the most widely held procurement cards in the industry and can be an effective, cost-saving alternative to initiating a check request or purchase requisition. The various advantages of purchasing card are streamlines purchase and accounting processes by eliminating purchase orders, invoices, and checks, improves management reporting so you can analyze spending data by expense type, Merchant Category Code, geography, and more, ability to monitor compliance with spending policies and purchases toward negotiated volume thresholds, expands your purchasing card program with comprehensive supplier management. Some of the features of the Purchasing card are variety of billing and payment options, including centralized billing with memo statements, flexible limits and controls to help manage spending and ensure compliance to company policy, restricted card use you can designate for specific types of merchants or suppliers, or established spending limits for specific timeframes, purchase and transaction limits you can set by department or division, or for individual employees, records that help you track and manage employee relocation, temporary services, project management, and departmental expenses.

Purchasing Card statements are different. The statement contains all of the information that would normally be expected in an invoice including: Description of goods bought; quantity; amount paid; tax paid. This levl of detail (and much more detail is possible) allows the business to use the card statement and dispense with the need to retain invoices. This is especially advantageous if the statement is received electronically because it allows the business to reconcile the statement automatically with purchase order if they have been used and or record the card transactions in the finance system automatically. Using purchasing cards can dramatically reduce the administration cost of small purchases for a business.

Currently the consumer can also uses the mobile billing option during checkout at an e- commerce site— such as an online gaming site— to make a payment. After two-factor authentication involving a PIN and One-Time-Password (often abbreviated as OTP), the consumer's mobile account is charged for the purchase. It is an alternative payment method that does not require the use of credit/debit cards or pre-registration at an online payment solution such as PayPal, thus bypassing banks and credit card companies altogether. This type of mobile payment method, which is extremely prevalent and popular in Asia, provides the following benefits: Security - Two-factor authentication and a risk management engine prevents fraud, Convenience - No pre-registration and no new mobile software is required, Easy - It's just another option during the checkout process, Fast - Most transactions are completed in less than 10 seconds, and Proven - 70% of all digital content purchased online in some parts of Asia uses the Direct Mobile Billing method. Operator-Centric Model: The mobile operator acts independently to deploy mobile payment service. The operator could provide an independent mobile wallet from the user mobile account(airtime). There are various models available including Bank-Centric Model: A bank deploys mobile payment applications or devices to customers and ensures merchants have the required point-of-sale (POS) acceptance capability. Mobile network operator are used as a simple carrier, they bring their experience to provide Quality of service (QOS) assurance. Collaboration Model: This model involves collaboration among banks, mobile operators and a trusted third party. Peer-to-Peer Model: The mobile payment service provider acts independently from financial institutions and mobile network operators to provide mobile payment. For example the MHITS SMS payment service uses a peer-to-peer model.

A charge card is a card that provides a payment method enabling the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use.

Purchasing Card is a charge card, used at any authorized vendor who accepts card and limited to particular identified seller (and not identified products and/or services purchased from any merchants) or merchant category codes (MCC) include gasoline, travel (airlines, car rentals, etc), has at least one difference than products and/or services card proposed or invented by present invention. In present invention issuer and/or providers or advertisers or marketers or sellers or merchants or suppliers or wholesalers or dealers or retailers can dynamically provide allowable list of identified products and/or services which cardholder can purchase from any online and/or online merchants based on each or group(s) of product and/or service related extended credit limits including installments, number of payment days, discounts, offers, points and cardholder can purchase non-allowable products & services based on regular credit limit provided by issuer. Products and service card can also allow purchase of non-allowable products & services via regular bank or issuer credit limit. Present invention also provide complete or full features Payments & Mobile Network(s) Mediated or Integrated E-commerce, Advertising & Marketing Platform, Framework, Exchange, Web Site, Services, Applications & Smart Devices.

Currently global payments network(s) including cards & mobiles network(s) used only for conducting & billing e-commerce & marketing payment transactions ($22 trillion by 2015) in return of getting charges on transactions and not yet fully utilized for providing centralize management to cardholders, providers of products & services & merchants for managing accounts , profiles , social network, search, match, purchases, sells , billing, invoices, payments, dues, installments, commissions, expenses, budgets, inventory, advertising, marketing, supply, dynamically allowing products & services for extending credit limits including installments, discounts, offers, and redeemable points, In-Card or Mobile Statement billing & invoicing for purchased products and/or services. Global consumers will spend roughly $30 trillion in 2012. In traditional retail, about half of all payments are being made in cash, the other half mostly with credit or debit cards. Heterogeneous E-commerce & marketing web sites, services, online & offline merchants, marketplace & networks selling products & services to cardholders and mobile users with the help of payment transaction services of payments network(s) including credit/debit card and not utilizing proposed centralize management of e-commerce & marketing via or of payment network(s).

Present invention enables payments & mobile network(s) including Card or Card Network(s) or Card Account Mediated or Managed or Integrated E-commerce, Advertising & Marketing Platform & Services for capturing or better utilize untapped and underutilized global online & offline e-commerce, marketing & selling of products & services markets via payment network(s) for getting slice from trillion dollars global e-commerce & marketing markets (Similar case pattern: e.g. Google indexes entire webs & provides search results centrally and earning billions of revenue via keyword based advertising). Combining or integrating separate Payment Transactions Services via payment network(s) with E-commerce & Marketing Management Services including centralize products & services database, searching, dynamically allowing products & services to each cardholder for providing extended credits, buying, selling, subscribing, ordering, supplies, accounts, payments, installments, dues, profiles, social networks, customer relationship management, inventory management, In or Via Card or Mobile statement invoicing, billing including centralize purchased products and/or services management and associate extended credits & installment facilities from providers. Payments and Mobile Network(s) Mediated or Integrated E-commerce & Marketing Platform can seamlessly integrating with or taking advantages of existing payment network(s), infrastructures and systems including credit/debit cards, banks and mobiles networks and statements for introducing or providing new "Kind Card" and provide centralize management of e-commerce, purchases & marketing via centralize platform(s), web site(s), service(s), application(s) of payment network(s).

Bill Me Later is a proprietary payment method offered on the websites of many well-known merchants, including those of Wal-Mart, USPS, Best Buy, Overstock.com, American Airlines, JetBlue Airways, Jewelry Television and Hotels.com. The site, which offers consumers a line of revolving credit through WebBank, allows purchases to be made online without using a credit card. After customers open their accounts (including credit check), Bill Me Later asks customers at every purchase to fill out the last 4 digits of their SSN and their date of birth. The approved customer can then pay the bill by mail (check), phone or online (via bank account) at www.billmelater.com. You can link your Bill Me Later account with your PayPal account by visiting billmelater.com/linkpaypal.com. Once you have linked your account to PayPal, it becomes a funding option within the PayPal account and gives the option to pay off the Bill Me Later balance. Consumers can get no-interest financing for six months on purchases of $99 or more.

Currently Amazon.com, ebay.com and other e-commerce web sites, platforms, applications & services enables 3 rd parties' web sites to provide checkout & make payments by/with

Amazon.com and/or ebay.com options to users for enabling user to make purchase from 3 rd parties or external web sites by using user's shipping & payment information from Amazon.com and/or ebay.com and complete purchases without leaving website(s). But curtly practice e- commerce web sites does not facilitate cardholders in allowing products and/or service including provided by provider or issuer and/or request made by card holder and/or dynamically presented by providers and/or issuer and/or payments & mobile network(s) mediated e-commerce web site(s) to purchase by cardholder based on extended credit limits including installments, payment duration, discounts & other offers provided by one or more or group(s) or pool of providers. At present card issuer provide credit limits to purchaser or card holder to make purchase of any products and/or services from any e-commerce website, while present invention provides same functionality in addition to provide allowable products and/or service to purchase by cardholder based on extended credit limits provided by one or more or group(s) or pool of providers and make purchase billing later in card statement and/or mobile bill and/or bank statement. Present invention also provides centralize & dynamic checkout to card holder for enabling making checkouts via Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 from one or more external web sites, applications, services & platforms. Centralize & dynamic shopping cart & checkout 475 enables cardholder or user to dynamically checkout based on dynamic rules, conditions & schemes of availability and/or allows ability of purchased products and/or services and/or deals, particular numbers of purchasers purchased products or accept offers within particular duration, location of user, duration of payments, minimum payments while purchase, credit limits, discounts, offers & redeemable points provided by provider of each product and/or service and/or group(s) of providers provide aggregately.

Affiliate marketing is a type of performance-based marketing in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate's own marketing efforts. The industry has four core players: the merchant (also known as 'retailer' or 'brand'), the network (that contains offers for the affiliate to choose from and also takes care of the payments), the publisher (also known as 'the affiliate'), and the customer. The market has grown in complexity to warrant a secondary tier of players, including affiliate management agencies, super-affiliates and specialized third party vendors. Web 2.0 platforms have also opened affiliate marketing channels to personal bloggers, writers, and independent website owners. Regardless of web traffic, size, or business age, programs through Google, LinkShare, and Amazon allow publishers at all levels of web traffic to place contextual ads in blog posts. Affiliate websites are often categorized by merchants (advertisers) and affiliate networks. The following types of websites are generic, yet are commonly understood and used by affiliate marketers including Search affiliates that utilize pay per click search engines to promote the advertisers' offers (i.e., search arbitrage), Comparison shopping websites and directories, Loyalty websites, typically characterized by providing a reward system for purchases via points back, cash back, CRM sites that offer charitable donations, Coupon and rebate websites that focus on sales promotions, Content and niche market websites, including product review sites, Personal websites, Weblogs and website syndication feeds, E-mail list affiliates (i.e., owners of large opt-in -mail lists that typically employ e-mail drip marketing) and newsletter list affiliates, which are typically more content-heavy, Registration path or co-registration affiliates who include offers from other merchants during the registration process on their own website, Shopping directories that list merchants by categories without providing coupons, price comparisons, or other features based on information that changes frequently, thus requiring continual updates, Cost per action networks (i.e., top-tier affiliates) that expose offers from the advertiser with which they are affiliated to their own network of affiliates, Websites using adbars (e.g. AdSense) to display context-sensitive, highly relevant ads for products on the site, Virtual Currency: a new type of publisher that utilizes the social media space to couple an advertiser's offer with a handout of "virtual currency" in a game or virtual platform, Video Blog: Video content that allows viewers to click on and purchase products related to the video's subject, File-Sharing: Web sites that host directories of music, movies, games and other software. Users upload content to file-hosting sites, and then post descriptions of the material and their download links on directory sites. Uploaders are paid by the file -hosting sites based on the number of times their files are downloaded. The file-hosting sites sell premium download access to the files to the general public. The web sites that host the directory services sell advertising and do not host the files themselves. Referral marketing is a method of promoting products or services to new customers through referrals, usually word of mouth. Such referrals often happen spontaneously but businesses can influence this through appropriate strategies. Amazon associates facilitate 3 rd parties to advertising Amazon products and get referral fees or commission on selling of products. Amazon Associates is a program that help website owners make money by advertising products sold on Amazon.com. When website owners who are Amazon Associates place links to Amazon.com on their website, they earn advertising fees when customers click those links and buy products from Amazon.com.

At present banks or financial institutions engage in providing banking services including payment services to consumers. It is possible for bank to take advantage of current infrastructure in enabling e-commerce services to consumers and gain additional income from e-commerce, marketing, supplying & advertising services. Advances in networking technology have enabled firms to streamline their transactions with suppliers, distributors, and retailers through the electronic exchange of information. There are any questions arise in implementing e-commerce in banking network(s) including Will the role of banks in e-commerce basically mirror their role in traditional commerce? Or will banks offer new products that will change the nature of the banking business as e-commerce expands? What risks might accompany such a shift in banks' traditional business? Some banks have taken the further step of developing new products designed specifically to facilitate e-commerce participation by their customers. E-commerce will create new forms of competition and compel banks to make choices about the Services they offer, the size of their branch networks, and the extent of their support for interbank payment networks. Participation in e-commerce will also increase banks' exposure to technological problems. Banks' success in coping with such challenges will help determine the scale of their influence in the electronic marketplace. In that event, they would process payments for buyers and sellers engaged in e-commerce, but they would have little chance to engage independently with buyers and sellers or to offer their own products in the electronic marketplace. In offering e- commerce products, banks have some key advantages over potential competitors. The public is likely to value the "brand names" of banks and to see these institutions as trustworthy third parties enjoying established account relationships with consumers and businesses. Moreover, if banks are sought out as vendors of e-commerce products, they may see some gains in their other lines of business. E-commerce would create opportunities for banks to strengthen their relationships with customers, sell additional services, and prevent encroachment on their business activities by the technology companies and other nonbank financial service providers active in e-commerce.

Mobile payment, also referred to as mobile money, mobile money transfer, and mobile wallet generally refer to payment services operated under financial regulation and performed from or via a mobile device. Instead of paying with cash, check, or credit cards, a consumer can use a mobile phone to pay for a wide range of services and digital or hard goods. There are four primary models for mobile payments: Premium SMS based transactional payments, Direct Mobile Billing, Mobile web payments(WAP), Contactless NFC (Near Field Communication), direct carrier/bank co-operation.

Therefore, it is with respect to these considerations and others that the present invention has been made.

OBJECT OF THE INVENTION

Primary objective of the present invention is to provide dynamic products & services card & account for enabling cardholder or user or customer to purchase allowable products and/or services based on credit limits, installment facilities, discounts, offers, bonus, dynamic rule based purchasing provided by providers and/or global payments & mobile network(s) mediated, enabled, integrated, controlled, billed & managed e-commerce, , deals, auctions, marketing, advertising, promotion, supplying, management systems, methods, platform(s), web site(s), applications, services, platform(s), network(s), and framework(s) which provide full feature e- commerce management.

Another very important object is to provide dynamic selling, marketing, advertising & supplying platform(s) and/or trading exchange(s) to enable 3 rd parties or external marketers, providers of products and/or services, innovators, agents, developers, service providers, associates, affiliates, partners, web sites, applications, services, networks, platforms, trading exchanges, servers, databases, smart devices, e-commerce, retailing, advertising, marketing, supplying & social networking web sites and search engines to dynamically present, market, sell, purchase, trade, offer, supply, & advertise products and/or services of 3 rd parties or providers of products & services to cardholders or users or account holders of dynamic selling, marketing, advertising & supplying platforms(s) and/or trading exchange(s) based on defining, creating, validating and applying dynamic marketing schemes, rule base, selling process, advertising schemes, offers, innovative organization and/or management and/or orchestration and/or financial calculations & products, tricks, tips, ideas, invention, patent, business polices, business process, contracts, agreements, and dynamic & updated rules. Dynamic marketers and providers of products and/or services may be separate and/or same entities.

Other object of present invention is to increasing revenue of issuer bank(s) and/or card network(s) exponentially from existing millions or even billions of card holders via providing e- commerce & marketing services with payment services and enabling tracking, managing & billing of e-commerce & marketing transactions via debit and credit card or via issuer bank and/or card network(s). By providing e-commerce & marketing service via card issuer bank(s) and/or card network(s) maintains extended profile & data of user including user preferences, privacy settings, transactions details, bookmarks, behavior, tracked or logged or monitored activities, actions, senses, events, status, locations, place, date & time, payments, account(s), installments, loans, credits, current or historical billing details, ranks, likes & comments provided by user, user generated contents like blogs, profile & data of merchants including purchase transactions, billing, commission or revenue sharing, incentives, products & services details including products & services descriptions, price or cost or subscription charges information, associated or collaboratively provided credit limits, recurring and installment payment facilities & information and schemes, discount offered, associate redeemable points, vouchers, coupons, Gift Certificates, gifts or free, trial, advertised, pay only if you like otherwise returned & sponsored products & services, loans schemes, dynamic deals conditions, goods & services providers & brand owners profile, accounts, shared commission or discount, charges, related customer or prospective customers data, statistics, comments & ranks provided by customers or prospective customers, products & service related information as describe above, preferences, privacy settings & data, which maps and relates products, services & brands with users or purchaser or prospective purchases of products, services & brands.

Other object of present invention is to extending credit limit of card holders via credit limits, installment, discount provided by each product and service providers in addition to currently credit limit available from card issuer, facilitate in centrally tracking, managing e-commerce & purchase transactions, expenses, supports, loans, installments, credits and payments.

Other object of present invention is to enabling products and service providers and brand owners to market and sell products & services, mangling centralize customer relationships, creating loyal and repeat customer base by providing credits, installment, discount, loans, dynamic deals, support facilities to buyer or consumer or purchaser of goods and services.

Other object of present invention is to mapping of brands, or products & services to consumers & users of brands, or products & services and creating social graph(s) of brands, products & services and consumers & users of brands, and products & services with associated communications, transactions, details, activities, actions, events, status and updates.

Other object of present invention is to create social networks of brands, products & services and users or customers of brands, products & services, create unified and collaborative customer relationship management system, customer support system and provide products & service search engine.

The other object of the present invention is to provide Global Online Platform and Framework for payments & mobile network(s) mediated e-commerce & marketing. Card Holder or Users or members or customers or prospective customers can transact with all needed brands in one place for their wide range of purchase requirements like pre(bef ore) -purchase requirements including knowledge, information, comparison, search, match, guidance, suggestion, review, feedback, experience, enquiry, presentation and answer, during purchase requirements including presentation, negotiation, comparison, training and learning, e-commerce, sales and marketing, promotion, product locators and post(after)-purchase requirements including support, notifications of updates, new arrivals, exchange offers.

Another significant objective of the present invention is to provide one source universal collaborative and federated customers relationships, retention and readymade target customer base management (SCRM) and customers brands use management for multiple brands related products and services from multiple sources.

Yet another important objective of the present invention is to provide one source all services and supports required for implementing each steps or phase of Collaborative and Federated Customers Services Life Cycle (CSLC) for multiple brands providers & networks or branded products and services owners. Customers Services Life Cycle (CSLC) phase includes Requirements Phase to Identify a need for a products and services, Determine the requirements for the product, Find the product that will meet the requirements. It Provides answers to What is this thing, Why would I want it, Which one is right for me, How much will I need. Payments & Mobile Network(s) mediated E-commerce Platform facilitates in Product and Services Advertising, Product Demonstration, Product Comparison/evaluation, providing Product requirements/specifications. In Acquisition Phase, facilitates in Identifying the product sources, evaluate the products in the market, Order the product, Pay for the product, Test and accept the product. It Provides answers to Where do I get it, How do I order it, How do I take possession, How do I pay for it, How do I test and install it. Payments & Mobile Network(s) mediated E- commerce Platform facilitates in Finding sources & availability, Malls, Search engines, Advertising, Online customization, ordering, payment, Product delivery, Online delivery of digital products, linkage to carrier for physical delivery, Product installation, FAQ's for troubleshooting & installation. In Ownership Phase, Learn to use the product effectively, Monitor use of the product, Upgrade the product, maintain the product. It Provides answers to How do I train people to use it, How do I maintain it, Where do I take it for maintenance, How do I get an upgrade. Payments & Mobile Network(s) mediated E-commerce Platform facilitates to provide online tutorials and training sessions to learn to use the product, Provide online troubleshooting support, Get online feedback from customer for product design enhancements, Monitor the use and remind for upgrade or replenishment, After-sales service. In Retirement Phase, Dispose the product - resell or return, Account for the resources, Replace the retired product, evaluating the product. Payments & Mobile Network(s) mediated E-commerce Platform facilitates to create a used product market to facilitate reselling, Provide accounting service and discounts for usage, Create options for returning old product for a new one. Thus Multi Brand Customers Services Life Cycle (MCSLC) supports customers in Pre-purchase including Products and services search & discovery, Comparison shopping & selection, Negotiation - price, delivery etc., while Purchase including order placement, payment, receipt and Post-purchase including customer service, warranty, return etc. Payments & Mobile Network(s) mediated E-commerce Platform facilitates Presales interaction including Customer inquiry & order planning, Cost estimation and pricing, while purchase and Products and services delivery including order receipt & entry, order selection, prioritization, order scheduling, order fulfillment and delivery and Post sales including Order billing & payment management, Customer service and support.

Yet another important objective of the present invention is to provide one source products and services supports, information, knowledge, comparison, advertising, marketing, sales, promotion, e-commerce services to the customers.

Yet another significant aspect of the present invention is to provide Search, Match and Compare Engine to search the Branded products and services and related contents resources.

Yet another significant aspect of the present invention is to provide multiple brands communities or brand social networking capability to users to easily share, communicate and collaborate with other same product and services line brand users and brand owners. Yet another significant aspect of the present invention is to provide platform to facilitate creation of brands related User Generated or Created Contents (UGC) or Consumer Generated Content (CGC) including blog, article, comments, video, photos, presentation, stories and other resources. Yet another significant aspect of the present invention is to enable brand users to create or generate brands user specific personalized Portfolio of Brands Use List or Need or Wish List and allowable branded or unbranded products and/or services lists in form of categories Brands Group Lists which are shared, private and public editable and relate brands networks which provide Knowledgebase, information, support, social network resource like which friend uses my same brand and discuss and share ideas, opinions, suggestion and experience with members. Users get all-in-one multiple services and resources from multiple sources including brand owners, experts, brand network members, friends, friends' friends, and 3rd party partners.

Yet another significant aspect of the present invention is to facilitates users in providing services for before, during and after purchasing of products and services including what's new, alternative and best, location of availability, comparative analysis, what is advance, friend users, knowledge, experience, guidance, suggestions, answers, information, features, how to use, User to User or Customer to Customer support, health related issues in products and services use by users. User can participate actively with brand social networks and share thoughts with other user or prospective users.

Yet another significant aspect of the present invention is to provides benefits to Brand owner so that Brand owner of products and services knows and retains their customer base and attracts new customers by providing support, sales, promotion, marketing, e-commerce, contest, survey, poll, article, blogs and other services and activities. Brand owner can start or integrate corporate brand related social networking for existing customers or prospective customers.

Yet another significant aspect of the present invention is to provide advertisers a new type of advertising and brand building systems that include targeted advertising system, collaborative advertising system, competitive advertising system, advertising partnership via new advertising network system where selected brands social networks integrate with partners' portals or sites or products as per preferences and sites contents and services match-making with brand networks category and contents. Another significant objective of the present invention is to understand Consumer behavior including how people buy, what they buy, when they buy and why they buy. It attempts to understand the buyer decision making process, both individually and in groups. It studies characteristics of individual consumers such as demographics, psycho graphics, and behavioral variables in an attempt to understand people's wants. It also tries to assess influences on the consumer from groups such as family, friends, reference groups, and society in general. Card mediated e-commerce & marketing platform facilitates searching for, selecting, purchasing, using, evaluating, and disposing of products and services so as to satisfy their needs and desires including the consumer searches for information required to make a purchase decision from personal sources, commercial sources, public sources and personal experience, to compare various brands and products, to decide which brand to purchase and to evaluate their purchase decision.

Another significant objective of the present invention is to enable voice-of-customer, Assess trends and changes in customer needs, Gain customer insight on how to improve and develop products and services, Humanize brand through direct interactions with customers, Empower customers to solve their own and each other's problems, Identify and empower passionate customers as brand advocates, Connect prospects to a supportive and engaged customer community, Align community to strategic business and marketing goals, Achieve adoption and participation by targeted audience, Facilitate an environment of open discussion to encourage the free flow of information, Use community tools to obtain feedback and respond to customer advice, Define community ROI using management reporting mechanisms, Humanize brand through open, two-way dialogue with target audience, Obtain direct, immediate feedback on products and services, Provide a channel to deliver information and services to customers, partners and others, Enable target audience to interact, share best practices and create original content, Elevate brand by identifying and rewarding community participants who help to grow and nurture the community, Extend product reach and open new market opportunities, Improve operational efficiency to maintain a competitive edge, Foster innovation through team collaboration, Formally capture industry-leading expertise, knowledge and intellectual property

(IP).

Another significant objective of the present invention is to facilitate engagement of customers with one another, with a company or a brand. The initiative for engagement can be either consumer or company-led and the medium of engagement can be online. Leveraging customer contributions is an important source of competitive advantage - whether through advertising, user generated product reviews, customer service FAQs, forums where consumers can socialize with one another or contribute to product development. Customers engage via Bookmarking, Tagging, Adding to group, Collaborative Filtering like Rating, Voting, Commenting, Endorsing, Favouritising, Content Creation like Upload (User Generated Content), Blogging, Fan community participation, Create mash-ups, Podcasting, Vlogging and Adding Friends, Networking, Create Fan Community and like. Highly engaged customers are loyal and can give valuable recommendations for improving quality of offering, filter, categorize and rate the market from head to tail and help in tagging, reviewing, rating and recommending and word of Mouth advertising. Card mediated e-commerce & marketing platform facilitates customers engagement via Encouraging collaborative filtering, Community development, Community participation, Help consumers engage with one another, Solicitation of user generated content, Customer self-service and provides customer engagement metrics like Root metrics including Duration of visit, Frequency of visit, % repeat visits, Recency of visit, Depth of visit (% of site visited), CTR, Sales, Lifetime value and Action metrics including RSS feed subscriptions, Bookmarks, tags, ratings, Viewing of high-value or medium-value content. 'Depth' of visit can be combined with this variable to include Inquiries, Providing personal information, Downloads, Content, re-syndication, Customer reviews, Comments (their quality is another indicator of the degree of engagement) and Ratio between posts and comments plus trackbacks and is useful for planning like identify where CE-marketing efforts should take place; which of the communities that the target customers participate in are the most engaging?, specify the way in which target customers engage, or want to engage, with the company or offering and measuring effectiveness and how successful CE-marketing efforts have been at engaging target customers.

Another significant objective of the present invention is to facilitate market segment identification, segment characterization, segment evaluation and target segment selection. The overall intent is to identify groups of similar customers and potential customers; to prioritize the groups to address; to understand their behavior; and to respond with appropriate marketing strategies that satisfy the different preferences of each chosen segment. Improved segmentation can lead to significantly improved marketing effectiveness. Variables Used for Segmentation include Geographic variables like region of the world or country, East, West, South, North, Central, coastal, hilly, etc., country size like Metropolitan Cities, small cities, towns, Density of Area like Urban, Semi-urban, Rural, climate like Hot, Cold, Humid, Rainy, Demographic variables like age, gender (Male and Female), family size, family life cycle, education (Primary, High School, Secondary, College, Universities), income, occupation, socioeconomic status, religion, nationality/race, language, Psychographic variables like personality, life style, value, attitude, Behavioral variables like benefit sought, product usage rate, brand loyalty, product end use, readiness-to-buy stage, decision making unit, Profitability, income status.

Another significant objective of the present invention is to facilitate co-branding via federated brands networks including co-branding with a single product or service with more than one brand name. Co-branding is same-company co-branding i.e. when a company with more than one product promotes their own brands together simultaneously, Joint venture co-branding when two or more companies going for a strategic alliance to present a product to the target audience. E.g. British Airways and Citibank formed a partnership offering a credit card where the card owner will automatically become a member of the British Airway's Executive club and multiple sponsors co-branding. This form of co-branding involves two or more companies working together to form a strategic alliance in technology, promotions, sales, etc. e.g. Citibank/American Airlines/Visa credit card partnership. Another significant objective of the present invention is to provide Market research facility for systematically gathering, recording and analyzing data and information about customers, competitors and the market. Its uses include helping create a business plan, launch a new product or service, fine tune existing products and services, and expand into new markets. Another significant objective of the present invention is to integrate Card mediated e-commerce & marketing platform with partners' web sites or portal or products or services as per preferences and mutual agreements and integrate as a services with 3rd party products, services and business process including ERP, spend management, customer relationship management (CRM) and like.

Another significant objective of the present invention is to create customers and prospective customers or clients or subscribers or buyers databases and providing related general or domain specific customer search engine and customers' yellow pages for finding prospective customers and other related activities like brand building, e-commerce, marketing, sales and promotion.

Another significant objective of the present invention is to provide Customers Use Management

Another significant advantage of the Payments & Mobile Network(s) mediated e-commerce intermediary organization(s), service(s), platform(s), web site(s), application(s) is that instead of each e-commerce web site or platform or each merchants or retailers having an individual relationship with each user, consumer and provider of products & services, all of the information is consolidated through the Payments & Mobile Network(s) mediated e-commerce network(s) or web site(s) or platform(s) and an electronic billing system designed to facilitate the flow of data and funds between or among issuers, cardholders, merchants, card network(s), acquirers, providers of products & services, 3rd parties e-commerce web sites, services, networks & platforms, partners, service providers and card mediated e-commerce web site(s), service(s), platform(s), and network(s).

Another significant objective of the present invention is to converse present distributed and heterogeneous e-commerce related web sites, applications, services, servers, search engines, social networks, smart devices, databases, platforms & networks into centralize or global Payments & Mobile Network(s) mediated or managed e-commerce network(s), web site(s), application(s), service(s), social network(s), search engine(s), database(s), device(s) & platform(s). So present e-commerce transactions are centrally managed and billed via Payments & Mobile Network(s) including via payment card(s). User can centrally search, match, purchase, subscribe, & manage products & services, get extended credits from providers of products & services.

DETAILED DESCRIPTION OF THE INVENTION

The present invention now will be described more fully hereinafter with reference to the accompanying drawings, which form a part hereof, and which show, by way of illustration, specific exemplary embodiments by which the invention may be practiced. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Among other things, the present invention may be embodied as methods or devices. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. The following detailed description is, therefore, not to be taken in a limiting sense.

Throughout the specification and claims, the following terms take the meanings explicitly associated herein, unless the context clearly dictates otherwise. The phrase "in one embodiment" as used herein does not necessarily refer to the same embodiment, though it may. Furthermore, the phrase "in another embodiment" as used herein does not necessarily refer to a different embodiment, although it may. Thus, as described below, various embodiments of the invention may be readily combined, without departing from the scope or spirit of the invention.

In addition, as used herein, the term "or" is an inclusive "or" operator, and is equivalent to the term "and/or," unless the context clearly dictates otherwise. The term "based on" is not exclusive and allows for being based on additional factors not described, unless the context clearly dictates otherwise. In addition, throughout the specification, the meaning of "a," "an," and "the" include plural references. The meaning of "in" includes "in" and "on."

In accordance with one aspect of the present invention, a global Payments & Mobile Network(s) including payment card network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) is disclosed for enabling provider of goods & services to list one or more products and/or services at global Payments & Mobile Network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and enabling card issuer(s) of card network(s) to issue products & services (PS) card(s) to card holders, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from or via global card network(s)' integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants.

In one embodiment Key Fundamentals of a dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s) and service(s):

Following are descriptions of key elements of a dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s) and service(s) in accordance with one or more embodiments of the present invention. A dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s) and service(s) may have some or all of these elements, as well as any additional elements necessary for the setup, execution, and daily operation of a dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s) and service(s).

Dynamic, customized and/or social products & services credit & debit card(s) or card: In accordance with one embodiment dynamic, customized and/or social products & services credit & debit card(s) i.e. ("PS Card") enables card holder(s) to purchase authorized, defined and available products and services or products and services associate with card and make payment as per credit and/or debit card statements when credit and/or debit card statements received. A PS credit card is an e-commerce and/or payment card issued to users as a system of e-commerce and/or payment. It allows the cardholder to purchase authorized, defined, dynamically updated and available products & services and pay for goods and services based on extended credit limits, credit schemes, installment schemes, rules, conditions, terms, dynamic deals conditions, discount offers provided by provider or brand owner of products and/or services and while receiving PS card statement. The issuer of the card and/or provider of allowable and authorized products & services and brand owners and grants a line of credit to the consumer (or the user). PS cards are issued by a PS card issuer, such as a bank or credit union, after an account has been approved by the credit provider(s) including products & services providers, after which cardholders can use it to make purchases of allowable products and/or services at merchants accepting that card and enjoying extended credits, loans & installments facilities, services, supports, discount, offers provided by products & services providers. When a purchase is made, the credit card user agrees to pay the card issuer at the time of statement based on credit limits provided by issuer and/or providers of products and/or services. The cardholder indicates consent to pay by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a personal identification number (PIN). In accordance with one embodiment electronic verification systems allow merchants to verify in a few seconds that the card is valid and the credit card customer has sufficient authorized, available and allowable products & services authorized & tracked by issuer and/or credit to cover the purchase, allowing the verification to happen in two steps or two parts: first step is to verify authorized, available and allowable products & services authorized & tracked by issuer with the server of issuer and/or server(s) of related partners and/or affiliates and/or associates at time of selection and confirmation of purchase of products and/or services by merchant and/or seller and/or card user and if first step successfully performed than second step is to payment verification. The payment verification is performed using a credit card payment terminal or point-of-sale (POS) system with a communications link to the merchant's acquiring bank. After successfully purchasing of one or more products and/or services by card holder issuer maintains details about transactions which can access by issuer, related details can access by card holders including details about transactions & payments, merchants including purchasers' transactions details & commissions and providers of products & services including sales of products & services, discounts, credits, loans, installments, charges, commissions, user provided comments, feedbacks, survey forms & ranks.

Dynamic, customized and/or social products & services credit & debit card Holder(s) or cardholder(s): Cardholder is the holder of the PS card used to make a purchase of authorized, allowable & available products and/or services which may dynamically updatable, increases, authorized, available and allowed. In one embodiment prospective users may apply for PS Card based on details provided by user and verification of provided details including duly accomplished and signed application form, personnel or profile details, income statements or proof of income including Certificate of Employment stating hire date, position and compensation, Employment Contract, Letter of Appointment, Notice of Salary Increase, Latest Payslip/s showing one month income, Latest Credit Card Statement, Tax Return (most recent and full-year), Audited Financial statements, Proof of Identification including Passport, Driver's License, Company ID and any other qualified or authorized identities, list of payments/charge/credit/debit/products & services cards, past cash expenses for & list of purchased branded and/or un-branded or local products and/or subscribed services, capacity of keeping minimum deposits at bank account for purchasing products and/or subscribing services, past history of other credit cards, requirement of saving account, available details of historical purchase transactions, requirements & preferences of products & services, current loans, debts, and other Eligibility Requirements including age range, income range and various factors time to time decide, updated and disclosed by issuer.

Dynamic, customized and/or social products & services credit & debit card Account(s): In accordance with one embodiment after verification of details provided by user issuer issued PS card to user and opens user account with issuer and maintains account associated profile, extended profile & data of user including user preferences, privacy settings, transactions details, bookmarks, sharing, behavior, tracked or logged or monitored activities, actions, events, status, locations, payments, account(s), installments, loans, credits, current or historical billing details, ranks, likes & comments provided by user, user generated contents like blogs.

Dynamic, customized and/or social products & services credit & debit card Issuer(s) or PS Card-issuing bank: In accordance with one embodiment the financial institution or other organization that issued the PS card to the cardholder. This bank bills the consumer for repayment and bears the risk that the card is used fraudulently. An issuing bank is a bank that offers card association branded PS card or PS card with payment card directly to consumers. The issuing bank assumes primary liability for the consumer's capacity to pay off debts they incur with their card. In the case of cards, the issuing bank and/or products and/or services providers extends a line of credit to the consumer. In one embodiment liability for non-payment is then shared by the issuing bank and the acquiring bank, according to rules established by the card association brand. Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate providers of goods & services: Products & services providers including brands owners, online and offline merchants, retailers, wholesalers, manufacturers, sellers, dealers, distributors, firms, companies, institutes, colleges, schools, publishers, organizations, professional service providers, users of payment & mobile network(s) mediated e- commerce of network(s), affiliates, partners, web sites, applications, platforms, & networks including e-commerce, deals, search engines, communications, marketing & advertising service providers, digital content & multimedia content providers, applications developers or providers, shop, mall and any legal entities. Providers or advertisers can easily Upload Product Inventory via Web-based tools, desktop software, or text files in applicable categories for one or more of its products. Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 facilitates Customers to Buy Providers or advertisers Products, receive order notifications and ships customers orders or fulfill for Providers or advertisers and deposits funds into Providers or advertisers bank.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) facilitates providers of products & services, brand owners and administrators of brand networks in sales, e-commerce, support services, marketing and promotion activities including Deliver buzz/publicity value, Drive referral, Target new/specific audience, Support ad campaign, Seed influencers, Leverage a sponsorship or new news, Create novelty, Build better customer experience, Get noticed by bloggers/social media, Meet/go deeper with a tough-to- reach audience, Chase younger and more networked audience, Diffuse bad word of mouth, Improve credibility of message, Incubate a community of brand fans/ambassadors, Build brand love/affinity, Build a worthy cause, Drive brand loyalty/lifetime value of users, Accelerate sales, Launch a product/service, Build awareness/exposure, Deliver web traffic, Deliver live traffic, Drive overall marketing spend efficiency, Drive/upsell revenue, Launch in a specific geography, Reduce customer acquisition costs, Save operational costs, Create a new distribution channel, Participate in a dialogue/conversation, Target localization of international/national effort, Improve customer support, Create an account specific/alliance-based program, Ego/want personal brand to be noticed and talked about, Act as a sounding board/stimulus for a lot of ideas, Follow a competitor/improve on a competitive effort, Identify superior real world insight, Work with a new agency/get new ideas, Test market for the rest of the company, Convert competitive users/ask for reappraisal, Solve a problem, Skirt/circumvent regulations.

The purpose of Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) and online brands communities or networks is to facilitates in

Insights/market research, Customer support, New product development, Idea generation, Product testing, Customer/client loyalty, Market thought leadership/brand building, Developer relations, Amplifying word of mouth, Employee communication, Public relations, General marketing, Reputation management. Business objectives for Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) & brands communities or networks are: Reduce market research costs, Reduce customer acquisition costs, Reduce customer support costs, Bring outside ideas into organization faster, Increase customer loyalty, Improve new product success ratios, Increase product/brand awareness, Generate more word of mouth, Improve public relations effectiveness. Business measures to assess the effectiveness of the brands communities or networks are Increased sales attributable to the community, Improved Net Promoter score, Improved customer satisfaction scores, More referrals, Number of new leads, Number of new trials, Number of new ideas from community, Number of new ideas from community adopted by organization, Decline in emails/calls into service/ support, Improved brand perception scores, Greater awareness, Repeat sales. Web analytic measures to assess the effectiveness of the brands communities or networks are Number of visitors, Number of repeat visitors, Number of registered users, Number of "active" users, How often people post/comment, How often people visit, Number of RSS feeds, Number of people who subscribe via email, Increase in search engine rank for your brand/company, Changes in traffic over time, e.g. doubling registered users in a month, Page views, Time on site, Citations on other sites.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate allowable, defined, authorized, customized and dynamic credit limits for allowable products and/or services: In accordance with one embodiment issuer of card dynamically provide, define, authorize, update, upgrade, allow, add, modify, decrease, remove, group and available allowable products and services and associate credit limits based on confirmation, policies, schemes, rules, conditions, partnerships, affiliations, associations and offers from providers or sources or manufacturers or sellers or owners of products and services.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) Billings and Statement: In accordance with one embodiment each month, the PS card holder or user is sent a statement indicating card holder account number, name, address, billing period, statement data, payment due date, current amount due, minimum amount due, balance summary including previous balance, payment received, new purchase, cash advance, finance charges, credit line, credit available, new balance, minimum payment due, reward summary including redeemable points, vouchers, coupons, Gift Certificates, gifts & various schemes & offers, the total purchases undertaken with the card, any outstanding fees, and the total amount owed for all and/or each or group(s) of purchased product(s) and/or service(s) with details, reference number, transaction date, amount of purchase, related minimum dues and total number of installments, each installment amount. The cardholder must pay a defined minimum portion of the amount owed by a due date, or may choose to pay a higher amount up to the entire amount owed which may be greater than the amount billed. The credit issuer charges interest on the unpaid balance if the billed amount is not paid in full. In addition, if the credit card user fails to make at least the minimum payment by the due date, the issuer may impose a "late fee" and/or other penalties on the user. To help mitigate this, some financial institutions can arrange for automatic payments to be deducted from the user's bank accounts, thus avoiding such penalties altogether as long as the cardholder has sufficient funds. Issuer or banks now also offer the option of electronic statements, either in lieu of or in addition to physical statements, which can be viewed at any time by the cardholder via the issuer's online banking website. Notification of the availability of a new statement is generally sent to the cardholder's email address. If the card issuer has chosen to allow it, the cardholder may have other options for payment besides a physical check, such as an electronic transfer of funds from a checking account. Depending on the issuer, the cardholder may also be able to make multiple payments during a single statement period, possibly enabling him or her to utilize the credit limit on the card several times over. In one embodiment a periodic cardholder or customer statement includes opening balance, invoices, payments, credit memos, debit memos, and ending balance for the customer's account during a specified period. A monthly statement can be used as a summary invoice to request a single payment for accrued monthly charges.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate web site(s) of issuer and/or other issuer(s) or mobile service providers of network(s) and/or card network(s) or mediators and/or 3^rd parties service provider(s) and/or partner(s) or associate(s) or affiliate(s): In accordance with one

embodiment issuer(s) can manage own and/or partnership with 3 rd parties service provider(s) or partner(s) or associate(s) or affiliate(s) for fully or partly managing selling of products and services and e-commerce of products and services via PS card and payment and/ or mobile network(s) including providing web site(s) for enabling providers of products & services to applying to authorize or approve product(s) or service(s) or brand(s) or group(s) of categorized products and/or services with associated discounts, offers, gifts, credit limits, installments, & support for available for sell or selling or e-commerce via offline merchants or retailers and/or online web site(s) or applications or smart or dedicated devices, enable to maintaining, storing, processing, presenting authorized and available products & services details to corresponding online user(s) or card holder(s) and/or merchants or offline seller or retails of products & services, enable to searching, matching, selecting, referring, sharing, categorizing, grouping, filtering, sorting, gifting, bookmarking, buying, selling, authoring or verifying available products & services for each card holder and verifying payments limits & making associate payments, transacting, tracking, accounting, managing, trading, bidding, advertising, marketing, promoting one or more authorized products & services or types of products & services including branded products, branded services, local products, local services, deals, advertisements, applications, web services, multimedia contents.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Merchant(s): In accordance with one embodiment Merchant(s) is/are the individual or business accepting PS card for purchasing of products or services by card holder or sold to the cardholder.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Merchant(s) Account(s): This could refer to the acquiring bank or the independent sales organization, but in general is the organization that the merchant deals with. A merchant account is an account with a bank that is a member of the card network(s) and association e.g. Visa and MasterCard associations. Such a bank has been certified by card network(s) and association e.g. Visa and MasterCard associations and can provide merchant, the merchant, with all of the services related to merchant account. Once merchant account is setup and "live" on the card system, merchant can start the real time processing of card.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Merchants Account(s) with Issuer(s) or Mobile Service

Provider(s): In accordance with one embodiment merchant can register with issuer or mobile service provider and also has an account with issuer or mobile service provider and/or partners of issuer or mobile service provider who provide e-commerce or provide authorized products & services for managing profile, purchase transactions or e-commerce transactions, commissions, and other incentives. Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Acquirer(s): The financial institution accepting payment for the products or services on behalf of the merchant.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Card Network(s) or Mediators: an association of card-issuing banks such as Discover, Visa, MasterCard, American Express, etc. that set transaction terms for merchants, card-issuing banks, and acquiring banks.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate 3^rd parties services: In accordance with one embodiment issuer or mobile operators may use 3 rd parties services for managing e-commerce services, enhancing business, and providing quality services to card holders including data mining, customer or prospective customer behavior analysis, insurance & loans service providers, advertisement networks, deals providers, brands, support services, cloud computing services, logistic & courier services, merchant services, e-commerce & card processing terminal or smart or dedicated device(s) for merchants for authorizing card holder or card, viewing, selecting, verifying allowable & available products and services for buyer or card holder, confirming purchase, verifying payment limits for confirmed, allowed & available products & services for card holder, purchasing, printing receipts, storing successful transactions for getting commission or revenue sharing from issuers and/or providers and/or card holders can purchase via online web site(s) or via dedicated applications and/or services and/or device(s), hosting service providers, developers of application & services, social networks, communication & collaboration services, customer relationship management, and other services.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Transaction network: The system that implements the mechanics of the electronic transactions. May be operated by an independent company, and one company may operate multiple networks. Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate Affinity partner: Some institutions lend their names to an issuer to attract customers that have a strong relationship with that institution, and get paid a fee or a percentage of the balance for each card issued using their name. Examples of typical affinity partners are sports teams, universities, charities, professional organizations, and major retailers.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) associate dynamic marketer, associates, agents, developers, service providers :_who create, define, develop, program, model & update one or more marketing schemes, rule base, rules, polices, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services and apply and submit to Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 for processing, verifying, validating, registering, certifying, passing, hosting, presenting, updating, and acceptance and enable to dynamically implement, test, enable, apply, use, execute, run on platform.

Multi Brand Customers Services Life Cycle (MCSLC): are Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), service(s) and network(s) associate multi brands and brands networks related Collaborative and Federated Customers Services Life Cycle

Platform which provides end to end supports services to customers or users or prospective customers for products and services they used or want to buy & use or buy in near future.

Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) supports in each stage or step or phase of Customer Services Life Cycle process of one or more branded products or services including in Requirements Stage, Establish

Requirements: Helping the customer to understand what a product or service does and how it can meet their particular need. Specifying: Determining the specific features or model of the product or service that is appropriate for the particular customer. In Acquisition Stage, Sourcing: Making it easy for the customers to find a location to obtain the product or service. Ordering: The customer accepts the suppliers offer to sell the product or service and provides specifics regarding features and delivery. Paying: Pay For: The mechanism by which the customer pays for the product and the means by which that payment is authorized. Obtaining: Taking ownership of the product or beginning to receive the particular service. Refers to the means by which the product or service is distributed to the customer. Test & Accept: Demonstrating product or service meets the customer's requirement. Information based products or services can often be tested prior to purchase. In Ownership Stage, Training: The process that supports resource utilization by making the customer capable of making use of the resource to its full extent.

Maintaining: Helping the customer to analyze, diagnose, and repair problems with the product or service. Assist in tracking usage (how the product is being used, amount remaining, problems in usage, recommendations for more effective use). Upgrading to improved version. In Retirement Stage, Replace, Return & Dispose: Returning the product; reselling the product; recognizing the need to buy a new one; disposing of the product; trading the product in; returning a rental product. Replacing a product that has been consumed or beyond repair. Accounting for: Helping the customer to understand how much they are spending (or saving) on the product, the use of the product, and or other resources used in conjunction with the product. Evaluating: The final "tally" by the customer for the life-cycle experience. Were expectations met? Satisfied?

Customers give feedbacks to brand owners and provide comments, ranks, reviews, suggestions, guidance, experience, tips & tricks, answer, support to other customers or users regarding products and services.

Universal Customers Relationship & Retention Management (UCRM): is social way of communication, collaboration, sharing between customers, prospective customers, past customers, users, members, subscribers, client base, public & guest user of all brand networks of branded products and services including all competitors for branded products and services in democratic or social way. Customer base includes all competitors' customers' base i.e. complete market of a particular products and services line or category e.g. "Pizza market" or "Mobile Market". Brand owner of particular products or services can reach whole market related prospective customers or customers. Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) is a multi model network environment which provides customers relationship management where multiple networks of branded products and services of similar line or category or domain or subject exist and differs from conventional customer relationship management which covers only customers of brand owner's brands and not all competitors' brands or market or public base related prospective customer base. Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) provides holistic solution for identifying, attracting, differentiating, and retaining customers.

Day-to-Day Transactions of Dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s):

In one embodiment following are exemplary Steps involved in a PS credit card transaction: In one embodiment PS card holder Log-In to dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) and search, match, select, purchase, gift, re-sell, transfer, trade, share, rate, comments, refer, bookmark one or more allowed and authorized products and/or services provided by one or more providers via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) and pay later at the time of receiving account statement via check or online net banking or credit card and any other methods of payments. In another embodiment Card holder or Buyer presents merchant with a PS card. In one embodiment Merchant selects purchased products and services by card holder dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) and dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) and/or Merchant verifies purchased products & services with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) to determine whether PS card is valid and purchased products & services are authorized & available for card holder. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) automatically verifies, validates, calculates, identifies and presents available and allowed products and/or services for said card holder based on swiped card associate card holder's identity & data. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) can also automatically identifies Logged-In merchant identity and related data and verify merchant's physical availability of products and/or services inventory which are sold via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s). If PS card is valid dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) automatically calculates the amount of purchase and records purchase & sales transactions and associate details, commissions, payments, & charges and present to card holder's account, merchant's account and provider's account. In another embodiment PS card holder does not have to pay anything for purchased products and services at the time of purchase, but pay full or partial payment later when issuer issue or provide account statement to card holder. In another embodiment if PS card holder has to pay full or partial amount for purchased allowable and/or non-allowable products & services then Merchant runs PS card through the point of sale unit. The full or partial amount of the sale is either hand-entered or transmitted by the cash register. Merchant transmits the PS card data and partial sales amount with a request for authorization of the sale to their acquiring bank. Point of sale units are usually set to request authorization at the time of sale, and then actually capture the sales draft at a later time. The acquiring bank that processes the transaction, routes the authorization request to the card-issuing bank. The credit card number identifies type of card, issuing bank, and the cardholder's account. If the cardholder has enough credit in their account to cover the full or partial amount of sale, the issuing bank authorizes the transaction and generates an authorization code. This code is sent back to the acquiring bank. The issuing bank puts a hold on the cardholder's account for the full or partial amount of the sale & charges. Note that the cardholder's account has not been actually charged yet. The acquiring bank processing the transaction, and then sends the approval or denial code to the merchant's point of sale unit. Each point of sale device has a separate terminal ID for credit card processors to be able to route data back to that particular unit. A sale draft, or slip, is printed out by the point of sale unit or cash register. The merchant asks the buyer to sign the sale draft, which obligates them to reimburse the card-issuing bank for the amount of the sale. At a later time, probably that night when the store is closing up, the merchant reviews all the authorizations stored in the point of sale unit against the signed sales drafts. When all the credit card authorizations have been verified to match the actual sales drafts, the merchant will capture, or transmit, the data on each authorized credit card transaction to the acquiring bank for deposit. This is in lieu of depositing the actual signed paper drafts with the bank. The acquiring bank performs what is called an interchange for each sales draft, with the appropriate card-issuing bank. The card-issuing bank transfers the amount of the sales draft, minus an interchange fee to the acquiring bank. The acquiring bank then deposits the amount of the all the sales drafts submitted by the merchant, less a discount fee, into the merchant's bank account. In another embodiment each card holder have account with issuer bank, each merchant have account with acquirer bank(s) and/or issuer bank(s) and each acquirer bank(s) connected or connectable with card network(s) or mediators for transacting with issuer(s) bank(s) and/or mobile operators and each provider have account with acquirer bank(s) and/or issuer bank(s) for automatically and/or manually transacting with each other for making and/or receiving full or partial purchase or sales payments, dues, charges, deposits, installments, commissions, sharing of revenues, transaction fees, interests, discounts, cash backs, redeem fixed or transferable points, interchange fees, monthly fees, membership fees, services fees, application fees, advertisements charges and other types of payments including Late payments or overdue payments, Charges that result in exceeding the credit limit on the card, Returned cheque fees or payment processing fees (e.g. phone payment fee), Cash advances and convenience cheques, Transactions in a foreign currency, Membership fees (annual or monthly), Exchange rate loading fees.

In another embodiment PS cards are in the form of general or normal or standard PS cards, Premium PS cards, Service PS cards, Kind Card, Cash/Kind card (dual purpose), Tickets card, Mobile Card, Limited Purpose PS cards, Multi-purpose PS Card, Group or Society PS Card (e.g. fix advance group(s) orders), Local PS Card, Brands PS Card, Universal or Global or International PS Card, Family PS Card, Friends PS Card, Debit PS cards, Credit PS cards, Prepaid PS cards, Secured PS Cards, Enterprise or Corporate PS cards, Reward PS Cards, Specialty PS Cards, Category specific PS cards like Tours & Travel PS cards, entertainment PS cards, Group(s) or multi users or multi members PS cards, City or National or International PS cards, Employee PS cards, Poor People PS cards, Sponsored PS cards, Free PS cards, Customize or Dynamic Cards, Student PS cards, Health PS cards, and other types of PS cards devise based on locations, places, age range, income range, interest, qualification, gender, preferences, types of activities, actions, events, senses, transactions, workflow, process, procedures, tasks, projects, customize requirements or requests specific, day to day general requirements, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, brand(s) or categories of brand(s) specific PS card(s).

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) further comprises a traffic logger including community metrics, web metrics and business metrics that is configured to track metrics and any activity associated with a viewing of the website by a viewer to understand the what, why, how, who, when and where of company, brands, brand networks and users or customers metrics including hits, page views, first visit or first session, repeat visitors, new visitors, impression, bounce rate, visibility time, unique visitors, new member registrations, most active members, top searches, message posts, conversion, advertising performance, first time contributors, content rating, content tagging, comments per blog or publication post, podcasts & video (linked to/uploaded), member blog posts, size of networks/buddy lists, session duration, page view duration, depth or page views per session, visit/session, frequency or session per unique i.e. dividing the total number of sessions (or visits) by the total number of unique visitors, retention/attrition, unregistered to registered visitors, page views per post, posts per thread, searches per post, interactivity ratio including what percentage of members are interactive, visible in some way, taking polls, completing surveys, posting publications and messages, uploading content, volunteering to moderate or welcome members, generated ideas, arguments, behaviors, competition entries and other metrics including member loyalty, member satisfaction, influencer/evangelist identification, member lifecycle, reputation changes, number of downloads of content, RSS feed subscriptions, annual reader surveys track, number of and satisfaction of partners and brand owners, answer rates in forums for brand communities, the % of questions that receive a validated answer, track un-replied message, how long it takes askers to get a first reply, days active, threads/poster, initial posts/poster, replies/poster's posts, images uploaded, votes cast, impact of community on revenue generated by theses users and new sign ups, location, message views, home page views, mobile page views and posts from mobile, EVls sent, IMs opened, file attachments (number, size, etc.), searches w/o results, sessions, logins, unanswered threads, moderator posts to user posts, company posts to user posts, time to response, deleted posts/threads, activity by role, activity by rank activity by modules or applications (boards, blogs, chats, IM, poll, survey, contest, review, answer etc.), net promoter, average time to reply to 1st post, number of users who initiate a personal email exchange, ratio of visits to community from total site, number of new topics, repeat posters, only page views for now, opens and clicks in e-newsletters, average time spent on site, and average pages viewed, visits per unique visitor, passive tagging based on lurking behavior (associating attributes that are not disclosed but inferred), referral sources, repeat visitors and visits, repeat customers or prospective customers, purchases made by registered members versus nonregistered, site visitors, loyalty offer redemption by members, viral marketing referrals, search engine keyword mix and referrals, retention of membership, number of paid members, robot activity, logins, active (posting) users, watches, active threads, top forums and categories, RSS, click-through in general, newsletter subscriptions, content downloads, email opt-in, offline events, license requests, size of individual member networks as percentage circles of influence, software downloads, specific site activity by user, solved questions and time to resolve, specific pages for our sponsors, subscription revenue, time spent in each community tools, number of community tools and services used per month, total blog comments per month, total user product reviews per month, user review page views per month, unique visitors per topic, member satisfaction, provide feedback/ideation for R&D, number of referrals by members, transition lurkers into active members, impact of community on revenue, mentions of organization or brand on other community sites, ratio of comments per post, % of product forum posts that receive answer, promotions of community members to moderators, keywords for forums and blogs, cost savings for customer service, average number of monthly customer service, number of product trial downloads, average number of monthly tech support, cost savings for tech. support, average time for a response.

In another embodiment one or more cardholders or users can provide requirement specification and will get one or more similar types of allowable products and services from providers of products and services, so cardholder or user can compare, confirm, select, buy, order products and services.

In another embodiment one or more cardholders or users can make orders in advance to one or more providers of products and services, so providers can get fixed number of consumers and are able to provide discounts. In another embodiment one or more cardholders or users can get dynamic discounts, installments, offers, & redeemable points from provider(s) of product(s) & service(s). For example cardholders or users can get at the time of purchase 20% of discount, but when 100 or more cardholders or users buys that product(s) or service(s) within particular duration then discount will be 30%.

In another embodiment one or more cardholders or users can publish intent to purchase one or more products and services, so interested providers can dynamically add or update one or more allowable products & services with card(s). In another embodiment cardholders or users can receive notifications or message streams indicating allowing of purchase of new or updated products and services with details including accessible or clickable link(s) of "Buy Now - Pay Later" button, "Share or Refer" button, "Add to Wish List" button, "Bookmark" button and other types of functions buttons with each message.

In another embodiment cardholders or users can also purchase non-allowable products & services based on credit limit and available cash limits and may get future credits from providers of products and services. Provider can add products and service with card of existing or identified customers. Card mediated network(s) can centrally provides details of products and services purchased by cardholder, associated discounts, redeemable points, bonus, vouchers, coupons, Gift Certificates, and offers, allowable products and services by providers.

In another embodiment presenting allowable products and services to cardholders or users in one or more categories, dynamic groups, user defined categories and taxonomies.

In another embodiment cardholders can select and purchase one or more allowable and/or non- allowable products & services based on total aggregate purchase credit limits provided by one or more or group(s) of provider(s) and/or issuer(s) and/or cared mediated e-commerce network(s), web sites(s) & service(s).

In another embodiment enable cardholders to redeem or use points for one or more other products and/services of other providers of one or more issuers or networks In another embodiment online and/or offline merchants, marketers, retailers, 3 rd parties e- commerce, deals, advertisements & marketing web sites, applications, services, networks and platforms can dynamically add or update allowable one or more products and services to one or more cardholders based on interest of buyers in buying of particular products and services, past history of purchasing of products & services.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), database(s), server(s), service(s) and network(s) can integrate with 3 rd parties domains, networks, web sites, web pages, applications, objects, services, web services, databases, social networks, & smart devices. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) can dynamically and/or automatically register, certify, rate, rank, value, mutually agreed, negotiate, importing, exporting, selecting, attaching, detaching, mapping, formatting & conversion of data of products & services, add or update providers of products & services and products & services based on request (e.g. click on "Submit Products/Services to payment and/or mobile network(s) or card mediated E-comm. Website" button), suggestion, requirement, advertisement, intent, action, activity, transaction, event, triggers, status, reference from providers, cardholders or users or consumers or prospective customers, merchants, 3^rd parties' web sites, applications, services, networks and platforms.

In another embodiment enabling 3 rd parties web sites, social networks, search engine, applications, services, networks, databases, smart devices and platforms and providers & users of

3 rd parties web sites, social networks, search engine, applications, services, networks, databases, smart devices to dynamically and/or automatically submit, suggest, refer, register, certify, rate, rank, value, mutually agreed, negotiate, importing, exporting, selecting, attaching, detaching, mapping, formatting & conversion of data of products & services, add & update providers of products & services and products & services with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s) and network(s) based on sending of requests for adding or updating providers and products and/or services of providers to dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) with permission, expected commission and/or privacy settings of 3 rd parties web sites, social networks, search engine, applications, services, networks, databases, smart devices (e.g. clicking on "Submit Products/Services to Payment and/or Mobile Network(s) or Card mediated E-comm. Website" button).

In another embodiment allowing of products & services to each cardholder are based on total credit limits of total providers of allowable products & services plus match making of available products & services with each cardholder. For better matchmaking we have to know future i.e. know factors or elements and semantic syntax & ontologies relating to what, when, why, where and how each product and each service bought by each customer. Logically purchasing of products and services of all users of whole world is equal to Number of purchasers multiply by Purchase of branded or unbranded products and services by each user. Purchase by each user is equal to Income of each buyer(s) - Total Actual Expenses by each identified buyer(s) (i.e. Total Actual Expenses Divided into Buying of Number and Name of identified branded or unbranded Products and Services) + Other Non-Products and/or Service Expenses (e.g. Donation etc.) + Savings (Bank Balance, Cash, Investments etc.)]. To identify prospective customers means to identify any dynamic combinations and/or semantic syntax & ontologies of [A] why + [B] What + [C] When + [D] Where + [E] How and any dynamic combination of factors or elements & sub- factors or sub- elements and semantic syntax & ontologies of factors or elements & sub-factors or sub- elements of [A] Why + [B] What + [C] When + [D] Where + [E] How of each buyer of each product and/or each service. Rank wise important Primary Factors or Elements are: [A] Why to buy including General Factors or Elements including Day to day requirements, general requirements (mobile, watch, television, regular cloths brands, accessories and like), Specific or Dynamic identifiable & measurable Factors or Elements including age range, income range, gender, qualification, events date, activities or type of activity or action (sports type, education type, professional type, beauty parlor, fitness and others), Logical Factors or Elements which are not easily identifiable & measurable Factors or Elements including Likings or interest, suggest by others & buy, search and/or view & buy, feel hungry & buy, nor any reason for buying. We can identifying these factors or elements for identifying best match making of products and services allowed to particular or cardholder or each cardholder based on Directly understanding of required products and services based on List of purchased and list of required or wish to purchasing of products and services and Indirectly understanding of required products and services based on Profile of user and connected, related & similar users, preferences, privacy settings, search keywords, user data including user generated contents (UGC), message streams, activities stream, presented & shared contents, Past history of buying of products & services and filtering of required products & services based on identified factors or elements. [B] What to buy - factors or elements effecting on what to buy including matched or ranked or known by user or within budget or quality of identified brands related to each type(s) of required products and services that user want to buy, other factors or elements including popularity, name, location, availability, likeness, frequency of use, quality or price range for budget and identity of products and services, type(s) of products and services. Rank wise important Secondary Factors or Elements: [C] When to buy including prospective Date & Time of buying, buy during including buy during any events, while shopping, while natural scanning of products & services in mall or retail shops, buy when needs arise or feel, know, don't know, like design, shape & functionality, buy compulsory, buy while trends, buy while like foods, quality, discount, buy while suggested by connected or related users, buy while new version arrived, advancements in existing products & services, current products & services are expired or decayed or become old and other factors or elements and any combination thereof (e.g. there is need of product(s) and/or service(s) + Like the particular product(s) and/or service(s)]. [D] Where to buy including location, particular shop, particular medium of buying e.g. buy online or offline from merchants and/or retail shops or malls which are near, available, buy from searched or advertised sources, buy who provide best discounts, offers, installments availability, and redeemable points. [E] How to buy including search, matches, select, identify, order, purchase products and services, make payments, receive products & services.

In another embodiment enabling dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) to storing dynamic, customize & contextual elements and/or sub-elements & any combination thereof of when, why, what, where & how to buy by user(s) including taxonomies, ontologies, semantic syntax, dictionary, list, data, rules, rules base & rules based system, relationships, linking or links, graphs and associate dynamic active resources; monitoring, tracking, matching and/or identifying & storing, at least one of when, why, what, how & where to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s) by user(s) or in any combination thereof based on or via dynamic element(s) and/or sub-element(s) associate resources, of: when user want to or expect to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s); why user want to buy particular product(s) and/or service(s) and/or type(s) of product(s) and/or service(s); what product(s) and/or service(s) and/or type(s) of product(s) and/or service(s) user want to buy; where user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s); how user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s).

In another embodiment active resources including applications including expense, budget, inventory, colander, event schedule, account, profile, order management applications, services, objects, web sites, web pages, smart devices, sensors including detection of voice, command, image, video, touch, location, place, & movement, sources, multimedia data, databases, networks, social networks, profiles, user data including conditions, privacy settings, preferences, shared data, business data, information about currently using and/or want to use branded products and/or services, message and/or activities stream, disclose purchase requirement data & search query, dynamic surveys or input associate data which dynamically asked by system based on initiation of buying process including taking information from user(s) about when, why, what, how & where to prospectively buy products and/or services by user(s), data related to and/or contextual data dynamically, on demand & real time collected from user, connected or related users of user & 3 rd parties service providers & experts based on questions or queries, survey forms, voice query, structured or free form purchase requirement specifications & via other methods , user accounts including bank or credit card accounts & data, connections, actions, activities, process, interactions, current location, place, events, transactions, status, date & time, monitoring & tracking logs, properties, attributes, characteristics, parameters, features, functions, metadata for dynamically monitoring, tracking, logging, identifying when, why, what, how & why to buy by user(s).

In another embodiment enabling dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) to identifying e-commerce, advertising, searching, supplying, retailing, selling, & marketing of products and/or services related 3 rd parties domains, web sites, web pages, portals, applications, services, databases, servers, devices including smart devices, networks,

frameworks, sources, platforms and associate products and/or services related data, resources and metadata; enabling to connect and/or participate and/or communicate and/or integrate and/or register sources of products and/or services with card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s); enabling to synchronizing, storing, integrating, updating, sharing, providing, publishing, connecting, sending or allow to access selective or mutually agreed products and/or services associate data, resources and metadata; and enabling to allow and/or update allowed and/or dynamically allow products and/or services to purchase by cardholders or users or customers, selling products and/or services, making transactions, view selling details, receiving payments or installments deducting commissions, discounts, charges, & fees, managing or updating inventories, credit limits, offers & commission terms & conditions, customer relationships & supports, profile & accounts, adding or updating products and/or services and details of products and/or services via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s).

In another embodiment synchronizing selective or mutually agreed products and/or services associate data, resources and metadata are based on pull, push, snapshot, merge & transactional replication or synchronization models based on one or more horizontal and/or vertical filters and/or privacy settings, permissions & preferences of sender(s) and/or receiver(s).

In another embodiment associate products and/or services data, resources and metadata including each product(s) and/or service(s) identity, description, name, type, available quantity, price, installments, limits of allowable products and/or services including numbers, credit limits, duration of payment limits, terms, conditions, privacy settings, preferences, agreements, tax, discounts, commissions, revenue sharing, offers, redeemable points, coupons, vouchers.

In another embodiment said identifying based on providing or sending invitation & accepting invitation, receiving request & allowing request, partnership or integration invitation or request, dynamic integration request via API, web services and any types of communication mediums & communication interfaces, verifying and/or validating and/or certifying and/or negotiating and/or processing and/or rating and/or insuring and/or valuing and/or allowing and/or allowing based on permissions, privacy settings & preferences and/or connecting and/or registering and/or subscribing and/or listing, registration, subscription, integration, connections, membership, dynamically connecting, crawling, searching, matching, inviting and/or connecting, clicking on link or button of purchasing, gifting, referring, requesting to allowing to purchase, buying based on credit limits, making payment, adding to shopping cart, adding to wish list for later purchase, invoicing & billing via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), monitoring, tracking & inviting sources to join or connect with card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), request from 3 rd parties including users or customers or cardholders via accessible link or button or message or any other communication mediums & communication interfaces.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) can use affiliate marketing which is a type of performance-based marketing in which a dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) rewards one or more affiliates for each visitor or customer brought about by the affiliate's own marketing efforts. The industry has four core players: the merchant (also known as 'retailer' or 'brand'), the card dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s) and network(s) (that contains offers for the affiliate to choose from and also takes care of the payments), the publisher (also known as 'the affiliate'), and the customer. The market has grown in complexity to warrant a secondary tier of players, including affiliate management agencies, super-affiliates and specialized third party vendors.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), network(s), social network(s), search engine(s), database(s), & smart device(s) can provides centralize management of e-commerce transactions including allowable and/or non-allowable or all other available products & services to cardholders via payment cards and providing online updated statements including invoices & bills including a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), amount of purchases, details of purchased products & services including name, quantity, amount or prices for products & services, discounts, installments, credit limits, payment duration limits, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, due dates, bonus, redeemable points, vouchers, coupons, Gift Certificates & offers, can provides search engine for accessing centralize database(s) of products & services and providers of products & services, prospective customers, customers, merchants, issuer of cards, and other service providers.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) can provides dynamic products & services reservation system and/or wizard based products & services reservation system, service, application(s) & interface(s) to cardholders, merchants, 3 rd parties service providers, networks, web sites, applications, smart devices & platforms to reserve purchasing, advance booking, ordering, biding, reserving of products & services to purchase within particular duration. Trader can also trade reserved products & services for appreciation of value before expiration of time of reserve period. Providers of each product and/or service provides offer for particular number or quantity of products and/or services available for reservation within particular session, duration, time frame, date & time ranges or when or while particular events, date & time, activities, actions, status, location and provide variable price based on various rules including number of reservation within particular duration, randomly increases or decreases prices, cost recovery, no profit no loss bases price for new product & service, dynamic discounts, offers, installments, redeemable points, vouchers, coupons, Gift Certificates & bonus based on number of reservation by cardholders within particular duration. In another embodiment one or more issuers of cards can exchange provider(s) of products & services and/or products & services and/or merchants and/or customers and/or prospective customers data based on permissions, commissions, mutual agreements, privacy settings & preferences. In another embodiment cardholders can search, or match, or select and purchase or book or reserve products and/or services from dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and can physically claim products and/or services from any physical authorized shops, merchants, retail stores based on dynamic card which represents the secure, portable, offline capable digitization of rights to claim or claim purchasing of goods or services from any authorized products and/or service providers including shops, warehouse, sellers, retail stores, service providers, automated vending machine. In another embodiment card can also provide digitization of rights to claim or claim purchasing of goods or services associated terms & conditions, promise, valid period or duration, redemption offers, number or quantity of products & duration of use or access of services, descriptions, payment status (paid, unpaid, installments or other offer based payments) purchase status (purchased, not purchased, gifted, transferred, reserved, canceled). The status may be changed dynamically. In another embodiment cardholders can purchase any products and services from any online and/or merchants or web sites or any other types of selling center based on initiating and/or requesting purchasing of products and services via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and in real time or near real time getting automated and/or human mediated verification and authorization from issuer(s) and/or provider(s) and/or dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and/or partner(s) and/or 3 rd parties service provider(s) for allowing products and/or services to purchase. So cardholder can billed for purchased products and services via card statements and can centrally manage products & services, purchases, transactions, digital invoices & bills, payments, dues, charges, fees, commissions, credits, installments, loans, insurances, discounts, claims, expenses, supports, access services associate with purchased products & services, relationships with providers, communications, accounting, ordering, reservations, auditing, inventory, budgets, supplies, usage, metering, administration, controlling, referring, sharing, suggesting, gifting, learning how to use or access, testing, returning, disposing, transferring, re-selling, trading, claiming digitization rights of products and/or services, redeemable points, vouchers, offers, bonus & coupons, Gift Certificates, user data including user profile, user generated data, shared data, message stream, activities stream, applications, connected users, social networks, groups, provided ranks, reviews & comments.

In another embodiment cardholders can conduct cardholder to cardholders or customer to customer business under special account, deposits, agreements, registration, citification, credits provided by issuer and/or providers of products & services, name & number of products & services provided by providers. In customer to customer dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) markets the business facilitates an environment where customers can sell these goods and or services to each other including curated products & services curate, suggest, refer, share, advertise & sell to other cardholders of dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s).

In another embodiment card dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates Business-to-business (B2B) i.e. commerce transactions between businesses, such as between a manufacturer and a wholesaler, or between a wholesaler and a retailer. Enterprise card enables businesses, companies, manufacturers, wholesalers, online and/or offline merchants to purchase allowable products & services from providers including other businesses, companies, manufacturers, wholesalers and online and/or offline merchants. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates trading exchange(s) and/or automated trading exchange(s) for submitting, verifying, validating, registering, certifying, rating, valuing, insuring, defining, associating agreements, terms, conditions, rights, & obligations, buying, selling, and trading of unitize products & services rights or contracts. Cardholders can trade unitize products & services rights or contracts with other cardholders of exchange(s) via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s).

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates Real-time bidding (RTB) of products and/or services.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates bidding and auctions of products & services including English auctions, where bids are announced by either an auctioneer or by the bidders and winners pay what they bid to receive the object, Dutch auctions, where the reverse of English auctions whereby the price begins high and is systematically lowered until a buyer accepts the price, First-price sealed-bid auctions are when a single bid is made by all bidding parties and the single highest bidder wins, and pays what they bid, a Second-price sealed-bid auction, where the highest bidder and winner will only pay what the second highest bidder had bid and Reverse auctions, where the roles of buyer and seller are reversed. Multiple sellers compete to obtain the buyer's business and prices typically decrease over time as new offers are made. Auctions can differ in the number of participants: In a supply (or reverse) auction, m sellers offer a good that a buyer requests, In a demand auction, n buyers bid for a good being sold and In a double auction n buyers bid to buy goods from m sellers. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and/or providers provides products & services based on subscription business model. The subscription business model is a business model where a customer must pay a subscription price to have access to the product/service. Rather than selling products individually, a subscription sells periodic (monthly or yearly or seasonal) use or access to a product or service. Renewal of a subscription may be periodic and activated automatically, so that the cost of a new period is automatically paid for by a pre- authorized charge to a credit card or a checking account. There are different categories of subscriptions including a subscription for a fixed set of goods or services, such as one copy of each issue of a newspaper or magazine for a definite period of time, a subscription for unlimited use of a service or collection of services (Usage may be personal and non-transferable, for a family, or under certain circumstances, for a group utilizing a service at one time), a subscription for basic access or minimal service plus some additional charge depending on usage. Subscription business model provides benefits to providers because they are assured a predictable and constant revenue stream from subscribed individuals for the duration of the subscriber's agreement. Not only does this greatly reduce uncertainty and the riskiness of the enterprise, but it often provides payment in advance (as with magazines, concert tickets, set or group or bundle of day to day required or customized products and/or services from one or more providers), while allowing customers to become greatly attached to using the products and/or service and, therefore, more likely to extend by signing an agreement for the next period close to when the current agreement expires. Consumers may find subscriptions convenient if they believe that they will buy a products and/or services on a regular basis and that they might save money. For repeated delivery of the products and/or services, the customer also saves time. Subscription pricing can make it easier to pay for expensive items, since it can often be paid for over a period of time and thus can make the product seem more affordable. Network effects become significant after a certain subscription percentage has been achieved, called critical mass. At the critical mass point, the value obtained from the good or service is greater than or equal to the price paid for the good or service. As the value of the good is determined by the user base, this implies that after a certain number of people have subscribed to the service or purchased the good, additional people will subscribe to the service or purchase the good due to the value exceeding the price. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates rules, orchestration, workflow, activities, actions, events, transaction, process, models, dynamic schemes, procedures, purpose, plan, project, task specific, customization based searching & matching, presenting, selection, allowing products and/or services purchase via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s), buying, selling, payments (dues, discounts, installments, commissions, offers) and dynamically supplying of products and/or services from one or more providers of products and/or services.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates order management for order entry & processing and order fulfillment including complete process from point of sales to delivery of a product to the customer. The possible steps in the process are Product Inquiry - Initial inquiry about offerings, visit to the web-site, catalog request, Sales Quote - Budgetary or availability quote, Order Configuration - Where ordered items need selection of options or order lines need to be compatible with each other, Order Booking - The formal order placement or closing of the deal (issuing by the customer of a Purchase Order), Order Acknowledgment / Confirmation - Confirmation that the order is booked and/or received, Invoicing / Billing - The presentment of the commercial invoice / bill to the customer, Order Sourcing / Planning - Determining the source / location of item(s) to be shipped, Order Changes - Changes to orders, if needed, Order Processing - Process step where the distribution center or warehouse is responsible to fill order (receive and stock inventory, pick, pack and ship orders)., Shipment - The shipment and transportation of the goods, Delivery - The delivery of the goods to the consignee / customer, Settlement - The payment of the charges for goods / services / delivery and Returns - In case the goods are unacceptable / not required.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates in crating product(s) and/or service(s) and/or brand(s) specific social network(s), business networks, personal networks and professional networks. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates a reputation system, a reputation system computes and publishes reputation scores for a set of objects (e.g. service providers, services, goods or entities) within a community or domain, based on a collection of opinions that other entities hold about the objects. The opinions are typically passed as ratings to a reputation center which uses a specific reputation algorithm to dynamically compute the reputation scores based on the received ratings. Entities in a community use reputation scores for decision making, e.g. whether or not to buy a specific service or good. An object with a high reputation score will normally attract more business than an object with a low reputation score. It is therefore in the interest of objects to have a high reputation score. Since the collective opinion in a community determines an object's reputation score, reputation systems represent a form of collaborative sanctioning and praising. A low score represents a collaborative sanctioning of an object that the community perceives as having or providing low quality. Similarly, a high score represents a collaborative praising of an object that the community perceives as having or providing high quality. Reputation scores change dynamically as a function of incoming ratings. A high score can quickly be lost if rating entities start providing negative ratings. Similarly, it is possible for an object with a low score to recover and regain a high score. A simple reputation system, is to record a rating (either positive, negative, or neutral) after each pair of users conducts a transaction. A user's reputation comprises the count of positive and negative transactions in that user's history.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) provides accessible buttons or links including "Home page of Payment and/or Mobile Network(s) or Card-mediated E-commerce Website or User Profile", "Purchase via Payment and/or Mobile Network(s) or Card-mediated E-commerce Network", "Buy from Payment and/or Mobile Network(s) or Card-mediated E-commerce Network", "Add to Cart of Payment and/or Mobile Network(s) or Website", "Pay via or to Payment and/or Mobile Network(s) or Card- mediated E-commerce Network", "Order via/to Payment and/or Mobile Network(s) or Card- mediated E-commerce Network", "Checkout with Payment and/or Mobile Network(s) or Card- mediated E-commerce Website or Network or Service", "Log-In to Payment and/or Mobile Network(s) or Card-mediated E-commerce Network", "Request to allow selected products and/or services" and any other functional buttons to enable 3^rd parties domains, web sites, web pages, applications, services, networks, social networks, profiles, smart device applications, widgets, and interfaces to integrate one or more buttons provided by dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) to enable users of 3 rd parties domains, web sites, web pages, applications, services, networks, social networks, smart devices to access features, services, objects, instructions, agreements, applications, databases, accounts, user data, user profile of and/or connect or share with other users of network, save to bookmarks at user profile, make transactions, payments, dues, commissions, charges, installments, redeem points, offers, bonus, vouchers, & coupons, Gift Certificates with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) including purchase allowable and/or non-allowable products & services via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) by cardholders, request to add, update & allow products and/or services to purchase by cardholders and/or 3 rd parties domains, web sites, web pages, applications, services, networks, social networks, smart devices and/or user(s), request to register, certify, add products and/or services and/or providers of products and/or services by providers of products and/or services and/or 3 rd parties domains, web sites, web pages, applications, services, networks, social networks, smart devices and/or user(s).

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing

platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) facilitates all transactions of purchase and/or sell of products and/or services of all types of current or existing or future payment cards or cards via user account of dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s), so dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) provides centralize billing, invoicing, details of purchased products and/.or services including names, numbers, quantities, details, & amount or prices for products & services, associate extended credits, installment facilities, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, discounts, offers, bonus, redeemable points, vouchers & coupons, Gift Certificates provided by providers via online or in paper form updated statement and facilitates user(s) in managing accounts, profiles, user data, subscriptions, payments, dues, budgets & expenses, inventories & supplies, purchased products & services including payments of installments, consuming online supports of products and/or services, social networks, sharing, commissions, allowable & available products and/or services. In another embodiment provider or seller or retailer of products and/or services can become member of and/or register with and/or open account with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) for adding or registering or certifying or verifying products & services details including names, numbers, quantities, amount or prices for products & services, associate extended credits, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, commissions, installment facilities, discounts, offers, terms & conditions, bonus, redeemable points, vouchers & coupons, Gift Certificates and other details and managing account(s), profiles, social networks, user data, payments, dues, commissions, deposits for providing extended credit limits to cardholders or user of dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s), charges, fees, subscriptions and/or installments status & details, sells and/or purchase transactions, purchasers or customers details and transactions, inventories or supplies of products and/or services, order booking records and can access other applications, services, data, activities, functions, and features.

In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) integration with or partnership with or taking services and advantages of existing platforms, services, application developer networks, marketplaces, e-commerce web sites, social networks, search engines, technologies including mobile commerce, electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic data interchange (EDI), inventory management systems, enterprise resource planning (ERP), accounting, Customer Relationship Management (CRM), and automated data collection systems. In another embodiment dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) combining or integrating or merging details of payment transactions or statement of currently practice or used credit and/or debit cards with purchase details via online and/or offline merchants, retailers, sellers, e-commerce web sites, marketplace, applications, services, networks and platforms including bills & invoices including a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), name & identity of purchased products including deal(s), ticket(s), book(s), application(s), multimedia content(s), insurance, loans, finance products & schemes and/or services, name & identity of provider(s) of product(s) and/or services, amount or prices for products & services, numbers, quantity, details, minimum payments, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, credit limits, number of installments & amount of per installment, payment dues, discounts, interests, commissions, offers, loyalty, rewards, redeemable points, bonus, vouchers & coupons, Gift Certificates via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s).

In another embodiment cardholder is provided with updatable & dynamically allowable products and/or services with updated & dynamic purchasing schemes, rules & offers at cardholder's smart phone or mobile or dedicated device or online web site or user profile based on cardholder(s)' location, place, group(s) of other cardholders including connected or related cardholders, similar place and/or location and/or event and/or date & time of group(s) of cardholders, physical senses, actions, activities, status, behavior, suggested by connected or related users or providers, identifying needs, auto detecting or recognizing via video camera or images or voice commands or commands, alternatives, contextual, liked, matched, searched, defined, specified, matched advertisements or advertised by advertisers, and requested. In another embodiment 3 rd parties can fully or partially pay on behalf of purchasing of products and/or services by cardholder(s).

In another embodiment can provide settings for auto purchasing or transferring or gifting or sharing of allowable and/or non-allowable products & services based on preferences, privacy settings, spending limit, rules, conditions, calendar entries of events e.g. birthday of friends and automatically purchase & send particular type, model & brand named gift to friend, date & time, duration, user action(s), activities, senses, transactions, triggers, particular events, location, place like movie theatre, mall, hotel, & shop, offered discounts, match making criteria of cardholder with other cardholders including daily send or transfer allowable products 1 packet biscuit to 50 needy persons or cardholders who set needs or requirements of foods or daily send or transfer allowable products 1 book to 100 matched student or cardholder who set needs or requirements of particular types, or categories or keywords related books. In another embodiment providers of products and/or services of one or more payment cards network(s) or issuers and/or mobile service provider(s) and/or financial network(s) mediated or billed or managed e-commerce, advertising & marketing network(s), web site(s), service(s), platform(s) can dynamically presenting and/or allowing to buy, try, use, access (view, listen, consume, install apps), offer & refer to others (Deals), gift, transfer, buy based on shared or poll or group(s) allowable rights & shred contribution, distribute, re-sell & trade (for appreciation) dynamically defined & updated unitize one or more or group(s) of products and/or services from one or more providers or sources including free, paid, shared, subsidized, discounted, sponsored, pay only if you like or returned basis, no profit basis, no profit no loss basis, trail & advertised products and/or services with one or more associate dynamic and updated rules, conditions, terms, agreements, prices, discounts, installments, credit limits, duration of payments, dynamic deals (if number of user buys or accept deals within particular duration then deal is valid otherwise cancelled), schemes, offers, bonus, cash backs & redeemable points, vouchers & coupons, Gift Certificates to one or more or group(s) or determined set of cardholders of one or more issuers on user's online and/or smart client and/or mobile or smart device interface or in statements or paper form based on dynamic and updated determination by providers and/or issuer(s) and/or mobile operator(s) and/or administrator(s) and/or connected or related users and/or expert(s) and/or 3 rd parties service provider(s) and/or automated source, selections, search query, match making preferences, presentation preferences, rules, conditions, multi user rights & policies, configurable need or supply schedule, automated settings for automatically presenting, searching, matching, categorizing, selecting, ordering, buying, selling, trading, sharing, suggesting, supplying, billing & paying based on schedule, date & time, triggering of events, indentified or recognized user actions, activities, events, interactions & transactions, rules, multi artificial intelligence agents, monitoring, detection, sensing, recognition & manually human intervening, calendar, wizard, orders, commands including text and/or voice commands, preferences, determined & identified dynamic & updated factors or elements or sub-factors or sub-elements effected or related to why to buy, what to buy, where to buy, when to buy & how to buy products and/or services, dynamic survey forms, privacy settings, user profile, user data, past purchases, senses including image, voice, video, touch, movements, expressions, distance, fingerprints, eye recognition, monitoring, identifying & detections, activities, actions, connections, contracts, behavior, interests, suggestions, status, location, date & time, events, triggers, place, transaction types and any combination of thereof. In another embodiment dynamically presented and/or allowed product(s) & service(s) details can associated with one or more dynamic, contextual, portable, customized & accessible active links, wherein said associated active links or buttons or controls (menu, toolbar etc.) or user actions includes purchase, buy, bid, auction, supply, suggest, provide ranks or ratings, provide comments, negotiate, communicate or ask details, share, refer, bookmark, gift, donate, transfer, trade, re-sell, re-sell at discount price, buy, sell or share with others based on shared contributions or sharing, make advance order or participate in pool of order(s), buy on behalf of others, curate, add to list and any combination of thereof.

In another embodiment proving and integrating end-user(s) a supply management, supply management describes the methods and processes of modern end-user(s) buying, purchasing, procurement & buying contracts, to user(s) to enabling the user(s) to identify a personnel or family or group(s) need or requirement to identify, source, contract, and procure the needed good or service from qualified suppliers or providers and implementing technologies, processes, policies, and procedures to support the purchasing process (Supplier Relationship Management). The supplier relationship management process including a process for providing the structure for how relationships with suppliers will be developed and maintained. End-user Supply management is generally regarded as a systematic process that includes more functions than traditional buying, such as managing inventory, acquiring supplies. End-user Supply management saves user's total cost of ownership including time, money & energy for purchasing, supporting, managing and acquiring products and/or services. Supply management is a complementary discipline that encompasses the alignment of organizations, processes, and systems for strategic sourcing, contract management, supplier management, spend analysis to continuously improve supply for best-value performance in support of the strategic objectives of the user. Supply Management software comprises all of the different solutions which automate the source-to-settle process and include Spend Analysis, eSourcing, Contracts, Supply Base Management, eProcurement, eCatalogs (for Supplier Enablement), supplier performance management and Accounts Payable or ePayables solutions. Supplier relationship management (SRM) is the discipline of strategically planning for, and managing, all interactions with third party organizations that supply goods and/or services to an end user in order to maximize the value of those interactions. In practice, SRM entails creating closer, more collaborative relationships with key suppliers in order to uncover and realize new value and reduce risk. Supplier relationship management (SRM) is the systematic assessment of suppliers' assets and capabilities with respect to overall user goal, plan & strategy, determination of what activities to engage in with different suppliers, and planning and execution of all interactions with suppliers, in a coordinated fashion across the relationship life cycle, to maximize the value realized through those interactions. The focus of SRM is to develop two-way, mutually beneficial relationships with strategic supply partners to deliver greater levels of innovation and competitive advantage than could be achieved by operating independently or through a traditional, transactional purchasing arrangement. SRM interact with suppliers - negotiating contracts, purchasing, managing logistics and delivery, collaborating on product design, etc. SRM, in contrast, is about collaboratively driving value for both parties, resulting in lower costs, reduced risk, greater efficiency, better quality, and access to innovation. Supply chain management (SCM) is the management of a network of interconnected businesses involved in the provision of product and service packages required by the end customers in a supply chain. Supply chain management including Distribution Network Configuration: number, location and network missions of suppliers, production facilities, distribution centers, warehouses, cross-docks and customers, Distribution Strategy: questions of operating control (centralized, decentralized or shared); delivery scheme, e.g., direct shipment, pool point shipping, cross docking, direct store delivery (DSD), closed loop shipping; mode of transportation, Information: Integration of processes through the supply chain to share valuable information, including demand signals, forecasts, inventory, transportation, potential collaboration, etc., Inventory Management: Quantity and location of inventory, including raw materials, work-in-process (WIP) and finished goods, and Cash-Flow: Arranging the payment terms and methodologies for exchanging funds across entities within the supply chain. Supply chain execution means managing and coordinating the movement of materials, information and funds across the supply chain. The flow is bidirectional. Activities/functions of Supply chain management at operational level are Daily production and distribution planning, including all nodes in the supply chain, Production scheduling for each manufacturing facility in the supply chain (minute by minute), Demand planning and forecasting, coordinating the demand forecast of all customers and sharing the forecast with all suppliers, Sourcing planning, including current inventory and forecast demand, in collaboration with all suppliers, Inbound operations, including transportation from suppliers and receiving inventory, Production operations, including the consumption of materials and flow of finished goods, Outbound operations, including all fulfillment activities, warehousing and transportation to customers, Order promising, accounting for all constraints in the supply chain, including all suppliers, manufacturing facilities, distribution centers, and other customers, From production level to supply level accounting all transit damage cases & arrange to settlement at customer level by maintaining company loss through insurance company, Managing non- moving, short-dated inventory and avoiding more products to go short-dated. The key supply chain processes are Customer relationship management, Customer service management, Demand management style, Order fulfillment, Manufacturing flow management, Supplier relationship management, Product development and commercialization, Returns management, Customer service management, Procurement, Product development and commercialization, Manufacturing flow management/ support, Physical distribution, Outsourcing/partnerships, Performance measurement, Warehousing management. The steps in a strategic sourcing process are Assessment of a user's or group(s) of user's current spending (what is bought, where, at what prices?), Assessment of the supply market (who offers what?), Total cost analyses (how much does it cost to provide those goods or services?), Identification of suitable suppliers, Development of a sourcing strategy (where to purchase, considering demand and supply situations, while minimizing risk and costs), Negotiation with suppliers (products, service levels, prices, geographical coverage, etc.), Implementation of new supply structure, Track results and restart assessment (continuous cycle), Negotiate payment terms with vendors. In another embodiment providing dedicated device(s) or smart device(s) to cardholders or users, wherein dedicated device(s) or smart device(s) equipped with or comprise sensors, auto payment systems & services for online and/or offline purchases including digital wallet & Contactless Payments via NFC, location detection system & services, recognizing senses, communication interfaces, pre-installed or install, subscribe or access on demined one or more web site(s), applications, services, objects, interfaces, databases and enables cardholder or users to manage accounts, profiles, social networks, applications, services, databases, purchased products and/or services, expenses, budgets, supplies, inventories, supports, surveys, privacy settings, preferences, automated settings, searching, matching, auto presenting (as discuss above), selecting, buying, selling, trading, gifting, sharing, referring, transferring, invoicing, billing, paying, accounting, auditing, auto notifying, and facilitating in plurality types of functions, actions, transactions & activities.

In another embodiment present invention or payment cards network(s) or issuers and/or mobile service provider(s) and/or financial network(s) mediated or billed or managed e-commerce, advertising & marketing network(s), web site(s), service(s), platform(s) also facilitates or supports cross network services, interactions, transactions including provider of products and/or services related to first issuer can dynamically allow to purchase products and/or services of one or more cardholders of first issuer and also one or more cardholders of other issuer(s), one or more issuers or mobile operators can dynamically or selectively share & synchronize products and/or services, providers and/or cardholders or customer base based on mutual agreements, payments, commissions, negotiations, terms & conditions, dynamic privacy settings & preferences, one or more cardholders of one or more issuers can create social network, post and/or share information, follow message and/or activities stream, make connections, communicate, collaborate, participate with activities of each others, exchange or share or refer or transfer or gift or donate allowable products and/or services, one or more providers of one or more issuer can collaboratively market, advertise, provides or supplies products and/or servers, share information, share customer base for determining allowing of products and services, create social networks, partnership with each others, bundling products and/or services for selling.

In another embodiment cardholder can list, search, match, filter, denied or dis-select, categories, groups, sort, rank, bookmark, gift, transfer, trade, provide ranks & comments, assign or view status or label or notes including like, not-like, purchased, share, refer, viewed, rank, date & time, notes, track, share, refer, purchase one or more allowable products and/or services of one or more products and/or services providers.

In another embodiment present invention provides centralize shopping cart for eventually add to centralize cart for purchasing and/or purchasing later or purchasing of allowable products and/or services for claiming extended credit & other benefits provide by providers and/or non allowable or all other products and/or services based on credit limit provided by issuer(s) and/or bank(s) and/or mobile service provider(s) from dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) as well as from one or more distributed or 3 rd parties or external domains, web sites, applications, services, networks, search engines, smart devices, web services, databases, social networks, e-commerce platforms & web sites 160. In another embodiment a Centralize shopping cart is a piece of e-commerce software on a web server that allows PS cardholders or account holders or users to select items for eventual purchase from one or more distributed or 3 rd parties or external domains, web sites, applications, services, networks, search engines, smart devices, web services, databases, social networks, e- commerce platforms & web sites. The software allows online shopping customers to accumulate a list of items for purchase, described metaphorically as "placing items in the shopping cart" or "adding to cart" from one or more distributed or 3^rd parties or external domains, web sites, applications, services, networks, search engines, smart devices, web services, databases, social networks, e-commerce platforms & web sites. Upon checkout, the software typically calculates a total for the order of cardholder or user from one or more distributed or 3 rd parties or external domains, web sites, applications, services, networks, search engines, smart devices, web services, databases, social networks, e-commerce platforms & web sites, including shipping and handling (i.e. postage and packing) charges and the associated taxes, as applicable. These applications typically provide a means of capturing a client's payment information, but in the case of a PS card they rely on the software module of the secure gateway provider and/or dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) in conjunction with the secure payment gateway, in order to conduct secure PS card transactions online as describe in Figure 3. Shopping carts allow for an item to be added to a basket to start a checkout process, shopping cart software can provides additional features that an Internet merchant uses to fully manage an online store. Data (products, categories, discounts, orders, customers, etc.) is normally stored in a database and accessed in real time by the software. Shopping Cart Software is also known as e-commerce software, e-store software, online store software or storefront software and online shop. Basic Components of Shopping Cart are Storefront: the area of the Web store that is accessed by PS cardholders and/or account holders or mobile users to the online shop. Category, product, and other pages (e.g. search, best sellers, etc.) are dynamically generated by the software based on the information saved in the store database and Administration: the area of the Web store that is accessed by the merchant to manage the online shop. A store manager is able to add and edit products, categories, discounts, shipping and payment settings, etc. Order management features are also included in shopping cart programs. The administration area can be: Web-based (accessed through a Web browser) and Desktop-based (a desktop application that runs on the user's computer and then transfers changes to the storefront component). In another embodiment cardholder or account holder or user can also search, match, and select and/or compare and/or request to add preferred products and/or services to Products and/or Services Card based on total or aggregate credit limits provide or allow by providers and/or issuers and/or amount deposited by user or cardholder or account holder for enabling cardholder to purchase preferred products and/or services.

In another embodiment providers and/or issuers increases allowable products and/or services and associate credit limits of card holder based on past purchases of card holder and/or connected or related card holders including friends, family, colleague, relatives, society members & other related users via Products and/or Services Card, amount deposited by cardholder(s), scores & rating of card holder, updated income statement provided by card holder to issuer for increasing credit limits.

In another embodiment Products and/or Services Card is one form of only normal credit and/or debit card.

In another embodiment Products and/or Services Card is combination of credit and/or debit card with allowable and/or selectable and/or dynamically presented products and services based on dynamic rules & offers offered by providers to cardholder for purchasing via Products and/or Services Card with extended credit limits provided by one or more or group(s) of providers in addition to card issuer(s) and/or bank(s) and/or mobile service provider(s).

In another embodiment provide manage via dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) option(s) including financing option(s) to cardholders and/or users of 3 rd parties or external e-commerce, advertising, marketing, supplying, selling or other domains, web sites, web pages, applications, services, databases, servers, smart devices, networks, social networks, search engines and enterprise applications who are register or connected or subscriber or integrate with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), service(s) and network(s) in the form of accessible link(s) or button(s) (e.g. "Manage Purchase or E-commerce via payments & mobile network(s) mediated network(s)" 130 or 230 or 330) to enable users to dynamically register with or become member of dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) for centrally managing purchased products and/or services from plurality of sources, merchants, e-commerce web sites, mobile purchases, purchases from online and/or offline merchants, receive or manage invoices, bills, make payments or installments via card or bank or mobile statement or bill and receive credit limits from providers, manage profile, account, expenses, inventories, social networks. So present invention facilitates in unifying, collaborating, federating, integrating, merging, combining, centralizing, orchestrating, & collaborating millions of internet wide & existing 3 rd parties or external e- commerce, advertising, marketing, supplying, selling or other domains, web sites, web pages, applications, services, databases, servers, smart devices, networks, social networks, search engines and enterprise applications with dynamic products & services card & account and/or global payments & mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), service(s) and network(s) for providing centralize management of purchases, sells, transactions, payments, dues, charges, fees, commissions, installments, discounts, products and/or services data, cardholders, users, merchants, issuers, providers, acquirers profiles & accounts, inventories, expenses, budgets, order, supply, advertisement, marketing, customers, billing, invoicing, accounting, auditing and products and/or services management.

In another embodiment present invention provides inert-operability or collaboration or internetwork communication among payment network(s) describe in Figure 1 and/or Mobile Service Providers Network(s) describe in Figure 2 and/or Bank or Financial Institutions Network(s) describe in Figure 3. So cardholders of one network can also become member of other one or more network(s) and cardholder can choose options of make purchase transactions, receive purchase billing or statement and make payments via card statement and/or mobile phone bill and/or bank account statement. Different networks can partnership or exchange data with each other and any other types of possible interoperability functions, transactions, actions, activities, interactions, connections, communications, and collaborations can take place based on privacy settings, preferences and permissions. In another embodiment card issuer(s) 115 and/or mobile service provider(s) 215 and/or Banks or Financial Institutions 315 and/or payment network(s) 120 and/or Mediators 220 and/or Bank networks 320 can provide extended credit limits provided by providers to card holder for allowable products and/or services based on make purchase amount to deduct from credit limit of each cardholder from provider account or deposits. The issuer of the card with providers of products and/or services creates a revolving account and grants a line of credit for each product and/or service or group(s) of products and/or services to the consumer (or the user) from which the user or card holder can borrow money for payment to a merchant or as a cash advance to the user or card holder. So card issuer(s) can use pool of providers of products and/or services for extending credit limits of cardholders based on dynamically allowable or allowable products and/or services provided to each card holder.

In another embodiment providing or affixing or parenting or attaching with each shelf of retail shop smart device or dedicated device like smart phone connected with server and includes digital shopping cart software. Digital Shopping Cart only present each shelf associated list of products & services & details including name, identity, descriptions, price, offers, discounts. So, Products & Services card holders or users can log-in account and/or insert Products & Services card(s) and/or insert debit/credit/charge/payment card(s) and can view penetration, details, offers, discounts, redeemable points, request to human assistance, provide comments, reviews, suggestions, feedbacks & ranks, credit limits, request to allow to purchase via PS card, select and add to shipping cart one or more preferred products and/or services associated with each shelf of shop with number of quantities and can continue shopping via in store smart device or dedicated device installed contextual digital shopping cart software associate with each shelf or group(s) of shelves of shop and can adds one or more additional products and/or services to shopping cart. So after shopping is completed cardholder and/or user can checkout from any in store smart device or dedicated device installed contextual digital shopping cart software and/or central checkout system or POS based on various payment options including PS card(s) and/or debit/credit/charge/payment card(s), mobile payments, digital wallet and any 3 rd parties payment services. Retails shop can also provide purchased products and services physical collection and delivery services and/or can provide home delivery based on shipping address. In another embodiment when shopper user took purchased products from shelf, than associated or attached smart device can also track inventories, so at the end of automatic checkout via mobile wallet or any other payment options user can carry or get purchased products with them.

In another embodiment enabling cardholder or user & connected or related users to disclose, provide, send, organize, update, synchronize, present, input, analyze, prepare, collect, format all data related to list of branded and/or un-branded and/or local products & services currently user(s) is/are using or purchased with product(s) and/or service(s) identity, name, details, source(s), address of source(s), price or amount or fees or expenses, quantity or volume, comments, reviews & ranks associate with purchased or used products and/or services, what, why, when, how, where about purchased products and/or services and/or monitoring, tracking, recording, logging, & storing associate activates, actions, transactions, events, interactions, status, location and based on that providing similar and/or alternative and/or suggested allowable products and/or services, number of allowable products and/or services and/or sources for purchase to cardholder via Products & Services Card, facilitates in preparing budgets, calculating, planning, modeling, customizing, match making, searching, determining associate customized discounts, offers, minimum payments, installments, duration of payments, & credit limit or credit line, ordering, group(s) purchasing, providing requirement specification, expenses management for selecting, purchasing or ordering, paying and supplying of goods & services. In other embodiment providing manually and/or automatically selective categories domain or fields or subject or purpose or task specific survey forms, queries, selection form to card holders for providing details, answers and selections, wherein said monitored, tracked & logged activates, actions, transactions, events, interactions, status, location and user inputted information collected manually and/or automatically from user or cardholder enables provider(s) to customize, personalize and provide or dynamically present allowable products and/or services to cardholders or users.

In another embodiment one or more cardholder or group of cardholder(s) can provide or agreed to purchase minimum quantity of and/or minimum amount of purchasing of one or more products and/or services from one or more products and/or services providers for particular duration or period or date & time ranges or make advance fix orders, which enables provides to get advance fix orders from number of cardholders and can dynamically provide additional credit limits, installment facilities, discounts & offers based on level of total amount of advance orders and/or total number of users made advance orders within particular durations. In other embodiment also provided various innovative advertising including in-statement contextual advertisements of products and/or services based on matching cardholder profile with targeting criteria of advertisement(s) of advertiser(s), multi or selected or matched one or more issuers and/or networks including payments networks and/or mobile service provider networks and/or banks or financial institution networks associate card holders based advertisements in their profile , statements, allowing & adding advertised products and/or services to card holder(s) in their PS card(s), dynamically present advertised products and/or services based on dynamic rules of purchasing to cardholders, various advertisement models including pay per present or advertised in statement and/or in profile and/or in digital or virtual PS card or smart device and/or pay per allowed and/or pay per request by card holder & allowed and/or pay per allowed & accept by cardholder and/or pay per allowed & purchased and/or pay per dynamic deals and/or pay per checkouts from 3 rd parties web sites or external domains of advertised products and/or services by cardholders and any combination thereof.

In an another very important invention & embodiment providing framework(s) and/or database(s) and/or open marketing platform(s) and/or APIs and/or web service(s) and/or buttons or links and/or widgets and/or objects of Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s) or relational data schemes & fields, smart device(s) and network(s) 415 to enabling 3 rd parties developers & service providers to develop, enable, program, model, dynamically integrate, host, attach, apply & provide application(s), object(s), widget(s), web service(s), service(s), data mining & data analysis logics, developing & modeling various types of social graphs, social networks, & social connections, dynamic rules, ontologies, taxonomies, semantic syntax, categories, rule base, databases, programs, arrangements, domain or subject specific survey forms, customizations & personalization templates, schemes, models, defining orchestration and/or aggregation process, identifying, listing, authorizing, certifying, passing, rating, valuing, underwriting, trading & insuring service logics, calculations, categories, groups & types of products and/or services, filters, targeting logic, financial products, business process, programming, and plans for selling and/or allowing & providing credit limits or credit line, installments, discounts & offers and/or ordering and/or dynamic deals and/or supplying and/or retailing and/or advertising and/or promoting or marketing products and/or services via Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415. So plurality of said 3^rd parties' providers can make platform dynamic, updated, trend specific, taking advantage of underutilized capacity, provide & implement or execute innovative ideas to make platform more and more dynamic and user friendly. 3 rd parties' can develop, think, innovate, articulate, model, introduce, apply, offer, register, certify, rate, validate, verify, implement, host, update, remove, test, trail, experiment execute and market various products or schemes or dynamic or updated rules or rule base in or within all or particular number & amount of existing allowable, available, authorized, presented, requested & advertized products and/or services of cardholders and/or profile & data of cardholders and/or providers and/or products and/or services and/or online & offline merchants or sellers of one or more issuers and/or payment networks and/or mobile service providers and/or banks networks based on filters, particular duration, mutual agreements including commission rate, privacy settings & preferences for selling, allowing, trading, advertising, providing credit limits, installments & offers, creating social networks & graphs, and marketing of goods & services via Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 and gets commission or sharing from revenue. So 3 rd parties will get opportunities to sell within platform based on dynamic rules & schemes invented and implemented by 3 rd parties and will get commission or revenue sharing. This particular invention or embodiment discussed above or throughout the specification can also implemented, integrated, executed in or within present web site(s), e-commerce web site(s) (e.g. Amazon, eBay), application(s), service(s), platform(s) (e.g. Apple iPad Marketplace & App Store), network(s), database(s), server(s), smart device(s), framework(s), search engine(s) (e.g. Google, Bing, Yahoo), social graphs, social networks & social network application or other frameworks (e.g. Facebook), messaging platforms (e.g. Twitter) and any other types of existing or available or future platforms for selling and marketing of products and/or services without departing from the spirit of the invention.

For example 3 rd parties user [Yogesh Rathod] register and provides new dynamic deals rules & schemes including that if first 1000 cardholders of Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 who are currently using version 1 of tablet pc will get 20% more discount in purchasing of tablet pc version 2 within 1 month. Another example of dynamic scheme is if cardholders are currently traveling at Goa will get 30 more products and/or services allowed to purchase or subscribe or access including games, entertainment, restaurants, hotels, guide servicer, car services, parasailing, shopping of particular brands of products and/or services. Another example is if cardholder is currently at particular mall then will get 25% discount on "Sandwich" at Sandwich House. Another example is if today is birthday of cardholders then cardholder will get 50% discount on food ordered at particular restaurants. Another example is 3 rd parties accumulate and curate directories of building or housing societies of one or more cities with information about societies and provide PS card to each member of each society of each city and invent new types of rule base for societies including if whole society or at least 100 members of society make advance order of purchasing of "Tata Sky" then cardholders will get 20% cash back and get bonus of first month subscription fees and in return of creating new card members and selling of "Tata Sky" product & service 3^rd parties developer or service provider or marketer or agent will gets commission. Another example is if particular cardholders' are currently online and wins automated lottery then will get particular products free. Another example is supply one toy each month to cardholder based on one or more types of subscriptions. Another example is provide customized general required products and/or services supply to cardholder based on pre-specified terms & conditions. Another example is before purchase anything contact particular expert marketers and provide curated, compared, ranked, suggested, alternative, quality products and/or services. Another example is provide or present monthly budget & information about currently using and/or want to use list of products and/or services with other information and/or deposits amount in bank for fulfilling budget to exert marketers or service providers 140 to provide prospective expense management, planning, guidance, suggestions, alternatives, sources, supply to cardholder(s) for saving time, money & energy of cardholder(s). Another example is like dietician for advising foods & exercise, expert marketer can visit cardholder(s) for providing guidance regarding what to buy, what not, what is needed or not, what is alternative, price ranges, quality, health & nutrition requirements & effects, personalization, customization, sources, supports, presentations based on profile and information ask by expert and/or provided by cardholder(s). Another example is market is identifying, monitoring, and tracking fix or general or standardize and dynamic requirements of stationeries or one or more products and/or services of students of one or more colleges of one or more cities and provide supply services to students including adding free, subsidized, sponsorship, discount based allowable products and/or services and regular supplies & subscriptions of products and/or services to student cardholders, provide additional loans, installments benefits, credit limit (e.g. pay while you earn), provide aggregate discounts based on number of purchases within particular duration, ship or supply or delivery quickly at home or at collage, participate rich students to contribute more in aggregate purchases of stationeries, get advance bulk orders of all colleges of city and manufacture stationeries and provide stationeries & foods based on no-profit & no loss basis, distribute free copies of books in transparent manner, make effort to discount in fees, provide expenses management consultancy.

In another embodiment enabling 3 rd parties developers, service providers, innovators, agents, and registered marketers to monitoring, tracking, logging, identifying, detecting, analyzing activities, actions, events, behavior, interactions, transactions, current location(s) & place(s), senses, updated user profile & user data including user generated data, message & activities stream, shared data in real or near real time of cardholders and/or providers and/or merchants including sells, purchases, marketing, & payment transactions and use provided comments, & reviews of products and/or services and enabling to dynamically create, define, develop, model, calculate, program, update, register, implement, test & execute one or more rules, schemes, offers, rule base, program, product(s) for marketing, selling, trading, ordering, advertising, e- commerce, & supplying of products and/or services within or via or with or in Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415.

In another embodiment present invention facilities in maintaining information of cardholders or users, products and/or services, providers of products and/or services and merchants of e- commerce, trading, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s); enabling e-commerce, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s) and/or 3 rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to selectively accessing & mining of said maintained information; enabling e-commerce, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s) and/or

3 rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to create, define, develop, program, model & update one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services; enabling to applying, submitting, processing, verifying, validating, registering, certifying, underwriting, rating, valuing, insuring, agreeing, passing, presenting, updating, and accepting said one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services; and enabling to dynamically presenting, listing, implementing, scripting or programming, hosting, testing, enabling, applying, accessing, using, executing, running said one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services. Information of products and/or services providers comprising profile including name, identity, login & authentication information, source, details of products and/or services offered including associate discounts, credit limits, offers, installments, redeemable points, coupons, vouchers, cash back offers, & bonus, list & details of products and/or services sold including sells transactions, buyers or cardholder who purchased products and/or services, payments, pending installments & commissions. Information of product and/or service comprising name, identity, description, price, allowed numbers or quantities, list of cardholders to who allowed and/or dynamically presented and/or advertised and/or requested and/or invited, number of product and/or service sold, name of purchaser, quantity or number or volume purchased, associated credit limits or credit line, installments, duration of payments, dynamic rules & conditions of selling, buying, offering, marketing, supplying, e-commerce, advertising & trading, discounts, offers, redeemable points, coupons, vouchers, cash back offers, & bonus, statistics of number of cardholders or users views, clicks, add to wish list, allow to purchase, purchased, purchased from 3 rd parties or external domains. Information of merchants comprising merchant profile including name, identity, login & authentication information, personnel & business details, number, name, identity, quantity & amount of products and/or services sold, details, name and identity of cardholders who purchased particular products and/or services in particular quantity and amounts based on particular rules & conditions, inventories of available products and/or services, merchant account(s) including sells, payments, discounts, commissions, revenue.

In another embodiment 3rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers can access data including information of cardholders or users, products and/or services, providers of products and/or services and merchants via provided web services, Application programming interface (APIs), accessible button(s), link(s) or Uniform resource identifier(s) (URLs), communication interfaces, applications, services, objects to integrate, invoke, programmatically access, rule base access, access via structured query language (SQL) or other standardize methods of queries, orchestrate, use, mine, aggregate, categories, curate, query, analyze & access data or information of cardholders or users, products and/or services providers, products and/or services and merchants.

In another embodiment 3rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers can access data including information of cardholders or users, products and/or services, providers of products and/or services and merchants via API, web services, applications, objects, accessible buttons or links, & communication interfaces. API provides programmatic access for enabling to market selective & authorized products and/or services based on certified dynamic rules, conditions, schemes, offers, financial product(s), policies, and program. Information of cardholder or user comprising user profile including name, identity, login & authentication information, user personnel & business or jobs or occupation or professional details, user connections, user social graph, user accounts, user installed applications, subscribed services, user actions, activities, transactions, sells, purchases, payments, dues, installments, points earned, allowed and/or purchased products & services details, payments, behaviors, interactions, events, status, current location(s) & place(s), user generated contents including message stream, automated activities stream, uploaded multimedia data, shared contents, reviews, comments, feedbacks, ranks.

In another embodiment API provides programmatic access to information of cardholders or users, products and/or services, providers of products and/or services and merchants including product selection and discovery functionality so that dynamic marketers can advertise products to monetize their website based on certified dynamic rules, conditions, schemes, offers, financial product(s), policies, program. The API helps to advertise products using product search and look up capability, product information and features such as Customer Reviews, Similar Products, Wish Lists and New and Used listings. Dynamic marketer or advertiser can make money using the Product Advertising API to advertise products in conjunction with the Associates program via joining or registering the Associates program to earn referral fees or commission when the users refer by marketer to Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 buy qualifying products. API enables to access to selection of millions of products in categories such as books, music, digital downloads and electronics, Leverage Product Discovery capabilities: lets marketers leverage customer-centric features such as Product Search, Customer Reviews, Similar Products, Accessories, Listmania Lists and more, Monetize marketer's website: allows to include associate tag in API requests to automatically format the URLs returned by the API to ensure that marketer earn referral fees when users marketer refer to Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 buy qualifying products. In another embodiment monitoring, tracking, logging, recording, storing, accounting, auditing dynamically implemented, tested, enabled, applied, used, executed, run said one or more marketing schemes, rule base, rules, polices, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services for providing various status including currently number, name, identity & amount of purchased products and/or services under executed particular scheme or rule base, statistics, account related reporting and calculating & sharing commissions & revenue, improving or updating for better returns, acceptance & performance, targeting to contextual customers, providing status, enabling to reporting, notifying, controlling, management and analysis.

In another embodiment dynamic rule base, deals & schemes can based on but not limited to allowed access of selective data of cardholders or users, products and/or services, providers of products and/or services and merchants, numbers of purchasers, amount or purchase orders, cost of products and/or services, number of users in group(s) purchasing, date & time, minimum and/or maximum limits of numbers, amounts & date & time or duration, duration range for accepting deals or purchase under scheme(s), user activities, actions, senses, environment, events, triggers, status, interactions, transactions, user profile information & user data including income range, age, gender, interest, qualification, past history of purchases, identified or current location(s) or place(s) of user(s) or group(s) of users or cardholders, calculations of providing discounts, credit limits, offers, installments, loans, subsidy, grants, sponsorship, free products and/or services, redeemable points, coupons, vouchers, cash back offers, & bonus, calculation of providing commissions and any combination thereof.

In another embodiment 3 rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to dynamically presenting, listing, implementing, scripting or programming, hosting, testing, enabling, applying, accessing, using, executing, running said one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services at 3 rd parties or external domains including web sites, applications, services, networks, databases, smart devices, servers, platforms, exchanges, social networks, and search engines. In another embodiment enabling cardholder to buy, gift, trade, refer, share & re-sell products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.

In another embodiment enabling providers and/or merchants to sell, retails, ship, supply, market, advertise, trade, re-sell, offer, dynamically present products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.

In another embodiment providing system comprises: storage medium for storing information of cardholders or users, products and/or services, providers of products and/or services and merchants of e-commerce, trading, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s); a module configure to identify and/or register 3 rd parties or external marketers, providers of products and/or services, innovators, agents, developers, service providers, associates, affiliates, partners, web sites, applications, services, networks, platforms, trading exchanges, servers, databases, smart devices, e-commerce, retailing, advertising, marketing, supplying & social networking web sites and search engines with dynamic selling, marketing, advertising & supplying platforms(s) to dynamically present, market, sell, purchase, trade, offer, supply, & advertise products and/or services of 3 rd parties or providers of products & services to cardholders or users or account holders of dynamic selling, marketing, advertising & supplying platforms(s) and/or trading exchange(s); a module and/or APIs and/or web services are configure to enable to selectively access, query & data mine said maintained information; providing an interface(s) for

dynamically present said information or search results based on one or more queries including structured query languages (SQL), data analysis & data mining and enable to dynamically create, define, plan, generate, author, design, compose, visually select & orchestrate, develop, program, script, model & update one or more rule base, business rules, process & policies, programming instructions and orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s) based on user profile & user data, nodes of networks connectable in network environment, objects, components, controls, applications, web services, connections, social graph, events, triggers, functions, instructions, scripting, web pages, business process, modules, database(s), structure & fields of database(s), templates of rule base, values, expressions, data or object(s) elements, parameters, identities, one or more types of user inputs and selections via controls including auto-fill controls, lists, combo box, menu, calendar, check box, & radio buttons, auto validations, one or more search results based on one or more simple or complex search queries, processing, querying & calculation among/of numbers, amounts, prices, costs, quantities or volume, duration ranges, date & time related to purchases, sells, debits, credits, payments, transactions, installments, commissions, charges, offers, inventories and statistics of identified cardholders and/or products and/or services and/or providers and/or issuers and/or merchants and any combination thereof; a module(s) and/or interface(s) configure to apply, submit, present, process, verify, validate, register, certify, rate, value, update, and accept said one or more generated, defined, modeled, updated, created & programmed rule base, business rules, process & policies, programming instructions and orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s); and a module(s) and/or interface(s) configure to dynamically present or publish or advertise or list, implement, enabled via orchestration process, scripting, programming instructions, objects, applications, web services, web pages, compiler & rule enabled system, enabled programmatically, dynamically update, host, deploy, test, apply, access, use, administrate, analysis, simulate, monitor, report, execute & run said one or more generated, defined, modeled, updated, created & programmed rule base, business rules, process & policies, programming instructions and orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s) including Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 and/or e-commerce, advertising & marketing web sites and/or 3 rd parties or external web sites, applications, services, networks, smart devices, platforms, trading exchanges, social networks & search engines. For enabling rule base management including defining, creating, modeling, authoring, testing, & deploying dynamic rule base and orchestrating connectable nodes of network(s) including objects, applications, web services, data elements, and business rules, process &policies present invention can use & integrate any rules modeling & management software & services including Inubit Suite and the

Visual Rules Suite from Bosch Software Innovations. In other embodiment 3 rd parties' marketers & providers can manually draft, author, model & prepare rules base, business rules, process & policies and submit, apply to dynamic marketing platform which technological model, create, test, deploy & execute for dynamically market products & services of 3^rd parties providers at present dynamic marketing platform and/or 3^rd parties or external web sites.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 shows the illustrative preferred embodiment of a dynamic products & services card & account and/or global payments network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and in-card statement, billing & invoicing of the present invention;

FIG. 2 shows the illustrative another important embodiment of a dynamic products & services card & account and/or global mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and in-mobile bills & invoicing of the present invention;

FIG. 3 shows the illustrative another important embodiment of a dynamic products & services card & account and/or global finance and/or bank network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) and in-statement billing or invoicing of the present invention;

FIG. 4 shows the illustrative another important embodiment of integration of a dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) with/by 3 rd parties or external domains, web sites, applications, services, databases, servers, merchants, smart devices, networks, platforms, e-commerce services, search engines, social networks & shopping carts of the present invention;

DETAILED DESCRIPTION OF THE DRAWINGS

The present invention will now be described more fully with reference to the Figures in which the preferred embodiment of the present invention is shown. The subject matter of this disclosure may, however, be embodied in many different forms and should not be construed as being limited to the embodiment set forth herein. In one embodiment Figure 1 describes that issuer(s) or group(s) of issuers 115 and/or card network(s) 120 and/or partner(s) or associate(s) or affiliate(s) 140 and/or 3 rd parties service providers 160 can develop or establish or integrate or host or provide or mange one or more web sites, network(s), application(s), service(s) and provide dedicated smart devices 130 for enabling payment network(s) or card mediated & billed products & services retailing, selling and e- commerce & marketing platform, services, systems and networks shown in Figure 1. Issuer(s) 115 can manage own and/or partnership with 3 rd parties service provider(s) or partner(s) or associate(s) or affiliate(s) 140 and/or card network(s) 120 for fully or partly managing payment network(s) or card mediated managed & billed e-commerce & retailing services or selling of products and services and e-commerce of products and services via PS card and card network(s) including providing web site(s) 130 for enabling providers of products & services 150 to apply for verification & registration, register, provide profile details & partnership agreements, terms, conditions, percentage of sharing of revenue and open account(s) with issuer(s) 115, applying to authorize, approve, register, store, index, format, process and list one or more or updated product(s) or service(s) or brand(s) or group(s) of categorized products and/or services with one or more web sites, networks, applications, services & dedicated devices or smart devices 130 with associated details, agreements, terms, conditions, discounts, offers, gifts, credit limits, installments, & support for available of said products & services for sell or selling or e- commerce via offline merchants or retailers 110 and/or online web site(s) or applications or smart or dedicated devices 130, wherein said one or more web sites, networks, applications, services & dedicated devices or smart devices 130 enabling to maintaining, storing, processing, presenting authorized and available products & services details to corresponding online user(s) or card holder(s) 105 and/or merchants or offline seller or retails of products & services 110, enable to searching, matching, selecting, referring, sharing, categorizing, grouping, filtering, sorting, gifting, bookmarking, buying, selling, authoring or verifying available products & services for each card holder 105 and verifying payments limits & making associate payments, transacting, tracking, accounting, managing, trading, bidding, advertising, marketing, promoting one or more authorized products & services or types of products & services including branded products, branded services, local products, local services, deals, advertisements, applications, web services, multimedia contents. In another embodiment issuer(s) 115 and/or acquirer(s) 125 registers, opens account(s) and manage accounts & profile of partners including other issuer(s) 115 of card network(s) 120 and/or card network(s) 120 and/or 3 rd parties service provider(s) and/or associate(s) or affiliate(s) 140 for crediting commissions, fees, charges and incentives. In another embodiment provider of goods & services 150 can open or establish account with acquirer(s) 125 for debiting commissions, crediting amount of sales, installments and payments.

In another embodiment issuer(s) 115 shares revenue with one or more merchants 110, partners 140, other issuers 115, 3 r¹d^U parties service providers 140, acquirers 125, card networks 120, and providers 150.

In another embodiment issuer(s) 115 can also act as merchant(s) 110 and/or card network(s) 120 and/or provider(s) of payment network(s) or card mediated & billed e-commerce, selling & marketing web site(s) or application(s) or service(s) or dedicated or smart devices 130 and/or provider of goods & services 150 and/or acquirer 125.

In accordance with another embodiment card holder(s) 105 can have one or more cards of one or more issuers 115 and can purchase one or more products and/or services of one or more providers 150 from one or more of merchants 110, merchants 110 can have one or more account(s) with one or more acquirer(s) 125.

In another embodiment two or more issuers 115 can collaboratively provide online e-commerce and selling products & services of providers 150 via merchants 110.

In another embodiment one or more card networks 120 may have affiliation and partnership with one or more issuers 115.

In another embodiment issuer 115 can provide one or more types of cards to plurality of card holders 105, issuers 115 are connected with one or more card networks 120, other issuers 115, merchants 110, acquirers 125, providers of products & services 150 and partners & 3 rd parties service providers 140 for managing payment network(s) or card mediated & billed e-commerce functions, activities, services, web sites, applications & networks. In another embodiment one or more providers 150 can collaboratively provide goods & services to one or more issuers 115 for selling products & services to cardholders 105 of one or more issuers 115 via plurality of merchants 110 and payment network(s) or card mediated & billed e- commerce & marketing web sites 130. In another embodiment merchant 110 can accept one or more types of cards of cardholders 105 of one or more issuers 115 and have account with one or more acquirers 125.

In one embodiment acquirers 125 can have accounts of plurality of merchants 110 and connected with one or more issuers 115 via one or more card networks 120 for providing and settling & clearing transactions of cardholders 105.

In another embodiment payment network(s) or card mediated & billed e-commerce & marketing web site provider(s) 130 can provide services on behalf of one or more issuers 115 for providing products & services of providers 150 to online cardholders 105 and/or via online or offline merchants 110.

In another important embodiment, present invention is compatible with presently exists card networks 120 (e.g. Visa, MasterCard etc.), issuers 115 (Citi, HDFC credit card provider etc.), card holders 105, acquirers 125, merchants 110 and card issuer mediated, tracked, managed, traded, accounted & billed e-commerce & marketing method & system can easily implementing with presently exists card networks 120 and card issuer can easily convert or extend or merge present card of card holder to Products & Services (PS) card and can enhancing revenue exponentially of present card issuers, card networks, acquires, merchants and providers of goods & services and also increases credit limits and various benefits of card holders or group(s) of card holders including centralize management of purchase transactions, providing preferences of products & services, activities, actions, tracking, accounting, auditing, expense management, support management, products & services related social networks, communications,

collaboration & sharing or referring management, deals management and can gets discounts, installment based products & services, offers, centrally managed redeemable points, vouchers & coupons, Gift Certificates.

In another embodiment cardholders 105 can purchase allowed and available products & services from one or more payment network(s) or card mediated & billed e-commerce & marketing service providers, web sites, applications, services, networks & smart devices 130 of one or more issuers 115 who have affiliations & partnerships with other issuers 115 and/or card networks 120 of one or more countries, currencies, languages, locations, industries, types, categories, networks, platforms, frameworks, systems and services. In one embodiment prospective users may apply for Products & Services (PS) Card(s) based on details provided by user(s) or corporate or enterprise or any types of entities and verification of provided details including duly accomplished and signed application form, personnel or profile details, income statements or proof of income including Certificate of Employment stating hire date, position and compensation, Employment Contract, Letter of Appointment, Notice of Salary Increase, Latest Payslip/s showing one month income, Latest Credit Card Statement, Tax Return (most recent and full-year), Audited Financial statements, Proof of Identification including Passport, Driver's License, Company ID and any other qualified or authorized identities, past history of other credit cards, requirement of saving account, available details of historical purchase transactions, details of other PS cards, requirements & preferences of products & services, current loans, debts, and other Eligibility Requirements including age range, income range to issuer 115. Issuer 115 verifies, validate all submitted documents by user and allow or decline cards and if card is allowed, then issuer 115 also decide card credit limits and provide dynamic & updated list of products and services that are card holders eligible to purchase through online web site or applications or dedicated device or smart device like smart phones 130 and/or web site 130 access by via online and/or offline merchants 110 and gets additional credit limits, discounts, offers and benefits. After allowing PS card to card holder, issuer 115 sends PS card to card holder 105 which enables card holder 105 to purchase allowed and available products & services based on installments, discounts, provided offers, terms & conditions.

In another embodiment card holder 105 can purchase allowed & available products & services based on credit limit of card holder 105. In another embodiment credit limit is not barriers or limits for card holders 105 to purchase allowed & available goods & services.

In another embodiment card also comprise features of existing credit and/or debit card and provide credit limit for purchasing of non allowed products and services in PS card.

In another embodiment dedicated card network(s) 120 and/or dedicated server(s) 130 manages centralize payment network(s) or card mediated managed & billed network(s) for online and/or offline e-commerce & selling service(s) and in accordance with one embodiment plurality of providers 150 centrally register, certify, list, manages products & services and provider profile & accounts including submitting products & services with terms, conditions, agreements, information about discounts, offers, installments, loans, redeemable points, vouchers, coupons, Gift Certificates, gifts, support & other services, verifying, validating, certifying, registering, ranking, insuring, rating, valuing, and listing allowed & authorized products & services for trading, retailing, e-commerce, marketing & selling via payment network(s) or card mediated managed & billed online and/or offline e-commerce & selling service(s), web site(s), application(s), network(s), merchant(s), smart device(s) & platform(s) 130.

In another embodiment plurality of issuers 115 register with and have account with centralize payment network(s) or card mediated managed & billed network(s) 130 and can centrally access authorized, available, registered & listed products & services for enabling card holders 105 of issuers 115 to make eligible for purchasing allowed products and services based on terms, conditions, credit limits of each product and/or service and/or provider 150 of product and/or service and/or card issuer(s) 115 and/or card network(s) 120 and/or insurer(s) and/or 3 rd parties or partner(s) 140 of issuer(s) 115 based on card holder 105 capacity of repayment or paying card bill, income statement and other criteria.

In another embodiment plurality of cardholder 105 of plurality issuers 115 can purchase allowed, authorized & available products & services of plurality of providers 150 via centralize payment network(s) or card mediated managed & billed online web site(s), network(s), platform(s), application(s), service(s), smart device(s) 130 and/or from plurality of online and/or offline merchants 110 via centralize payment network(s) or card mediated managed & billed online web site(s), network(s), platform(s), application(s), service(s), smart device(s) 130.

In another embodiment centralize payment network(s) or card mediated managed & billed network(s) or server(s) 130 provide management interface(s) to providers 150, issuers 115, card holders 105, merchants 110 and other users of network(s) 140 including tracking of each product & service related purchases by card holders 105 of particular issuers 115, sells by merchants 110 to particular card holders 105 of particular issuers 115, transactions details, associate charges, commissions, payments, dues, installments, loans, discounts, redeemable points, vouchers, coupons, Gift Certificates, offers, accounting, metering and billing for cardholders 105, card networks 120, issuers 115, partners & 3 rd parties service providers 140, merchants 110, acquirers 125, & providers 150, status of inventory of authorized & allowed each product & service of each provider 150, each card holder 105 & each issuer 115 which are available for buying & selling through centralize payment network(s) or card mediated managed & billed network(s) or platform(s) 130. In another embodiment issuer 115 of card generates, updates, presents, provide and sent bills or statement to card holders 105 from centralize payment network(s) or card mediated managed & billed web site(s) or server(s) or database(s) or web service(s) 130.

In another embodiment card holder 105 can centrally manage user profile, preferences, privacy settings, accounts & making of online purchases & payments and can mange plurality types of cards from plurality of issuers 115 including one or more or multi users or multi members or group(s) of card(s) or enterprise card(s) associate purchases details, transactions, tracking & delivery status, credit limits, amounts dues, payments details, installments details, loans, available inventory for eligible products & services for purchase, redeemable points, vouchers, and coupons, Gift Certificates, social networks, applications, services, sharing, referring, referring commission, comments & ranks provided by card holder. In another embodiment issuer(s) 115 can centrally manage plurality of card holders 105 of one or more types of cards including dynamically updating list of allowed products & services of particular provider 150 eligible to purchase, duration & number of products & services of particular provider 150 eligible to purchase, associate discounts and credit limits allowed to each card holder, generating, presenting & sending bills to each card holder, tracking, authorizing, verifying credit limits and limits of name & number of products & services of named providers 150 allowed to purchase within particular duration, tracking payments, dues, installments, discounts, charges and commissions associate with each card, card holder, product, service, provider, seller and merchant. In another embodiment one or more providers 150 including products & service providers, manufacturers, dealers, sellers, merchants, retailers, wholesalers, marketers, e-commerce service providers, portals, deals providers, advertisers, free, trial, advertised and/or sponsored products & service providers, agents, local shops, retailers & malls and web sites can provide products & services to eligible card holder 105 including products & services provided in one or more groups, units, categories, taxonomies, ontologies, standardized templates, keywords, dynamic list(s) or dynamically adding & updating products & services in list(s) based on user's current location, place, date & time, profile & categorized survey data including country, age range, income range, interest, qualification, gender, preferences, privacy settings, activities, actions, events, senses, historical transactions, workflow, process, procedures, tasks, projects, customize requirements or requests, day to day general requirement, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, and credit limits.

In another embodiment merchant(s) 110 can have account with payment network(s) or card mediated or card managed or card controlled e-commerce & marketing network(s) or web site(s) or service(s) 130 and online and/or offline merchant(s) including e-commerce web site, marketplace, retailer, shop & seller 110 can provide or synchronize or publish or map or send or store data or database of products and/or services to payment network(s) or card mediated e- commerce & marketing network(s) or web site(s) or server(s) or service(s) 130 and/or database(s) 135. So online and/or offline users or customers or subscribers 105 of merchant(s) 110 can purchase one or more products and/or services via any types of existing debit and/or credit and/or payments cards and/or PS cards (proposed by present invention) and can view online or gets updated card statements including purchase transaction details provided or recorded or generate or store by card issuer bank 115 (existing card provide only credit/debit/payment card transaction details only and not identity, name, numbers, quantity, amount & any other details of purchased products and/or services) with purchase invoice or bills details provided or recorded or generated or store by merchants 110 and/or provider of products and/or services 150 including name & identity of purchased products including deal(s), ticket(s), book(s), application(s), multimedia content(s), insurance, loans, finance products & schemes and/or services, name & identity of provider(s) of product(s) and/or services, amount or prices for products & services, numbers, quantity, details, a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), minimum payments, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, credit limits, number of installments & amount of per installment, payment dues, discounts, cash backs, interests, commissions, offers, loyalty, rewards, redeemable points, bonus, vouchers & coupons, Gift Certificates. So via dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s), present e-commerce & marketing become centralize at global level. In one embodiment following is the illustrated & exemplary dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) transaction types and steps:

PS card holder or customer can purchase allowed products & services via online web site of payments network(s) or card mediated managed & billed e-commerce & marketing services 130. When PS card holder 105 or customer Log-In to account, system displays authorized and available products & services to card holder 105 and enables card holder to search, match, select, and buy products, deals, applications and/or subscribe services make payments or installments for clearing bills or past purchases. PS card holder 105 or customer can also purchase authorized and available products & services via online and offline merchants or sellers or retailers or shops or malls 110. When PS card holder 105 or customer makes a purchase of available products and services, the credit card number is swiped, manually entered or transmitted via a proximity device to the credit card terminal, POS system, virtual terminal or ecommerce shopping cart. Merchant 110 can search, match, select and enters name, quantity & details of purchased products and services provided & offered by centralize payments network(s) or card mediated e- commerce & marketing services server(s) or web site(s) 130, the terminal or PC or application or web site used by merchant 110 connects to payments network(s) or card mediated e-commerce & marketing web site 130 for authorizing, verifying, validating the allowed & available quantity of products & service which purchaser 105 is eligible to purchase and If cardholder 105 is eligible for purchase and car holder 105 does not have to pay at the time of purchase of the products & service then payments network(s) or card mediated e-commerce & marketing web site 130 records purchase transaction of card holder 105 at card holder's 105 online account 130 and record merchant's 110 sales transaction at online merchant account 130, so card holder 105 later billed by issuer 115 for purchase made and merchant 110 will get commission or percentage of revenue sharing of selling of products & services via payments network(s) or card mediated e- commerce & marketing web site(s) 130 or from respective issuer 115. In one embodiment if card holder 105 have to pay minimum amount for purchase of some of the products and/or services or first installment of purchasing of some of the products and/or services and if all or part of purchases authorized the terminal then connects to acquirer bank of merchant or merchant service provider 125 for a PS card authorization. Acquirer bank 125 of merchant or merchant service provider 125 passes the PS card information to the PS card issuing bank ("CIB") 115 the cardholder 105 is relying on to fund the transaction. The CIB 115 will then perform a verification to determine if the card is valid, verify credit limits provided by issuer and/or allowable and available purchased products & services and/or if the minimum funds are available on the card holder's or customer's 105 account. If minimum funds are available, the CIB 115 will temporarily reserve those full or partial funds for the merchant 110 requesting them. After the Card Issuing Bank 115 performs its checks it sends acquirer bank 125 of merchant or merchant service provider 110 an approval number (authorization code) or a decline message. Acquirer bank 125 of merchant or merchant service provider 110 then passes the authorization code or decline message back to the PS card terminal. If the purchase was approved and/or charge was approved and depending on how merchant account is setup, the terminal will print a receipt for the customer to sign. If the charge is declined, the decline message will appear and in some cases provide an explanation for the decline (non- allowed and/or available products & services, over the credit limit of issuer bank and/or one or more products and/or services and/or provider and/or insurer associated over the credit limit, etc.).

In one embodiment merchant 110 gets products & service from providers 150 based on installment or discount or at no cost for selling via payments network(s) or card mediated managed & billed e-commerce & marketing network(s) or web site (s) or service(s) or platform(s) 130 and gets commission on installment of each product sold and/or service subscribed by card holder or consumer 105.

In another embodiment merchant 110 authorize, verify card of card holders 105 and books orders of purchased products & services and then purchased products & services are directly provided by providers and/or wholesalers and/or e-commerce & marketing site and/or other sources 150 via courier & postal services to card holders 105 and merchant 110 gets commission on each order.

In another embodiment card holder 105 charged first installment of each purchased products and/or services and/or charged minimum amount for each purchased products and/or services and/or not charged at all for purchasing of allowed and available goods & services at the time of purchase was made but charge via monthly statement of PS card including installment of each purchased product & service and merchant 110 will get commission based on total amount of installments of purchased goods & services sold via merchant 110. In another embodiment card holder 105 charged fully for purchased products & services and charges are bear or provided by 3 rd parties loans or fund providers 140 based on installments of loans and sponsorships. Merchant 110 will get full payment of sold products & services. In another embodiment PS card holder 105 can purchase non- allowed products & services via regular or current feature available on credit cards i.e. purchase via credit card based on allowed credit limits of credit card.

In one embodiment merchant 110 can "settle" or "batch out" terminal to begin the final process of capturing all of days PS & Credit card authorizations. Once the settlement process is initiated the funds are transferred from the card issuing bank 115 to merchant acquiring bank 125 in a process called "interchange" and then the final transfer is from merchant acquiring bank 125 directly to merchant's business checking account 125 through an electronic funds transfer (EFT).

In another embodiment merchant(s) 110 can gets payments, dues, discounts, incentives and commission of selling of products & services from plurality of issuers 115 of PS card and/or PS & credit cards and/or providers of products & services 150 and/or card network(s) 120 and/or partners or 3 rd parties service providers 140 and/or payments network(s) or card mediated e- commerce & marketing service web site(s) or platform(s) or network(s) 130.

In another embodiment merchant 110 have separate shop or department or automated selling or vending device or product and/or swipe & take luxury product(s) and/or service via product(s) and/or service kit associated or attached swipe device (e.g. Sqare device) or selling center or can separately presents in showcase products & services which are available to sell via payments network(s) or card mediated ecommerce network(s) 130, so PS card holders 105 or customers can easily identified products & services available via payments network(s) or card mediated ecommerce network(s) 130.

In another embodiment merchant(s) 110 provide separate or dedicated terminal to PS card holders 105 or customers for checking or identifying products & services allowed to PS card holder 105 or customer and available at merchant's shop or selling center.

In another embodiment PS card is in the form of normal credit card, smart card, mobile smart card and any other next generation smart card or device. In another embodiment merchant 110 can use dedicated device(s), or PC or tablet PC or smart phones or any other smart device(s) connected with card swipe device and/or via internet or other communication medium or interfaces to access payments network(s) or card mediated e-commerce & marketing network(s), service(s) & platform(s) via online web site(s), and/or web service(s) and/or smart client applications 130.

In another embodiment one or more additional features, modules, components, applications, application features, services, social networks, user activities may integrate with payments network(s) or card mediated e-commerce, retailing, advertisements, & marketing web site(s), network(s), platform(s), application(s), service(s) & smart devices 130 for enhancing features & scope of global payments network(s) or card mediated e-commerce network(s). For example global payments network(s) or card mediated e-commerce & marketing network(s) 130 may integrate various types of e-commerce, deals, advertisements, marketing & promotion features, insurance & loans services, communication channels, collaborations, hosting services, small business services including shopping cart, inventory management, payment processing service, order management, shipping, web site development, customer support & other services, search engines, email services, yellow pages & directories, social networks, jobs, recruitment services, card holders management, profile and account management, customer relationships management, expense management, products & services inventory management, merchant management, Card Resource Planning (CRP) and any other types of online services.

In one embodiment Figure 2 describes that mobile operator(s) or group(s) of mobile operator(s) 215 and/or Mediator or Common Framework(s) 220 and/or partner(s) or associate(s) or affiliate(s) 240 and/or 3 rd parties service providers 260 can develop or establish or host or provide or mange one or more web sites, network(s), application(s), service(s) and provide dedicated smart devices 230 for enabling dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) shown in Figure 2. Mobile Service Provider(s) 215 can manage own and/or partnership with 3 rd parties service provider(s) or partner(s) or associate(s) or affiliate(s) 240 and/or Mediator or Common Framework(s) 220 for fully or partly managing dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) or selling of products and services and e- commerce of products and services via PS card and Mediator or Common Framework(s) including providing web site(s) 230 for enabling providers of products & services 250 to apply for verification & registration, register, provide profile details & partnership agreements, terms, conditions, percentage of sharing of revenue and open account(s) with Mobile Service

Provider(s) 215, applying to authorize, approve, register, store, index, format, process and list one or more or updated product(s) or service(s) or brand(s) or group(s) of categorized products and/or services with one or more web sites, networks, applications, services & dedicated devices or smart devices 230 with associated details, agreements, terms, conditions, discounts, offers, gifts, credit limits, installments, & support for available of said products & services for sell or selling or e-commerce via offline merchants or retailers 210 and/or online web site(s) or applications or smart or dedicated devices 230, wherein said one or more web sites, networks, applications, services & dedicated devices or smart devices 230 enabling to maintaining, storing, processing, presenting authorized and available products & services details to corresponding online user(s) or mobile user(s) 205 and/or merchants or offline seller or retails of products & services 210, enable to searching, matching, selecting, referring, sharing, categorizing, grouping, filtering, sorting, gifting, bookmarking, buying, selling, authoring or verifying available products & services for each mobile user(s) 205 and verifying payments limits & making associate payments, transacting, tracking, accounting, managing, trading, bidding, advertising, marketing, promoting one or more authorized products & services or types of products & services including branded products, branded services, local products, local services, deals, advertisements, applications, web services, multimedia contents.

In another embodiment Mobile Service Provider(s) 215 and/or acquirer(s) or bank(s) 225 registers, opens account(s) and manage accounts & profile of partners including other Mobile Service Provider(s) 215 of Mediator or Common Framework(s) 220 and/or Mediator or

Common Framework(s) 220 and/or 3 rd parties' service provider(s) and/or associate(s) or affiliate(s) 240 for crediting commissions, fees, charges and incentives.

In another embodiment provider of goods & services 250 can open or establish account with acquirer(s) or bank(s) 225 for debiting commissions, crediting amount of sales, installments and payments.

In another embodiment Mobile Service Provider(s) 215 shares revenue with one or more merchants 210, partners 240, other Mobile Service Provider(s) 215, 3 rd parties service providers 240, acquirer(s) or bank(s) 225, card networks 220, and providers 250. In another embodiment Mobile Service Provider(s) 215 can also act as merchant(s) 210 and/or Mediator or Common Framework(s) 220 and/or provider(s) of dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 230 and/or provider of goods & services 250 and/or acquirer(s) or bank(s) 225.

In accordance with another embodiment mobile user(s) 205 can have one or more mobile PS cards or accounts of one or more Mobile Service Provider(s) 215 and can purchase one or more products and/or services of one or more providers 250 from one or more of merchants 210, merchants 210 can have one or more account(s) with one or more acquirer(s) or bank(s) 225.

In another embodiment two or more Mobile Service Provider(s) 215 can collaboratively provide online e-commerce and selling products & services of providers 250 via merchants 210.

In another embodiment one or more card networks 220 may have affiliation and partnership with one or more Mobile Service Provider(s) 215.

In another embodiment Mobile Service Provider(s) 215 can provide one or more types of PS cards to plurality of mobile user(s) 205, Mobile Service Provider(s) 215 are connected with one or more Mediator or Common Framework(s) 220, other Mobile Service Provider(s) 215, merchants 210, acquirers 225, providers of products & services 250 and partners & 3 rd parties service providers 240 for managing mobile network(s)) or card mediated & billed e-commerce functions, activities, services, web sites, applications & networks.

In another embodiment one or more providers 250 can collaboratively provide goods & services to one or more Mobile Service Provider(s) 215 for selling products & services to mobile user(s) 205 of one or more Mobile Service Provider(s) 215 via plurality of merchants 210 and PS card mediated & billed e-commerce & marketing web sites 230.

In another embodiment merchant 210 can accept one or more types of PS cards of mobile user(s) 205 of one or more Mobile Service Provider(s) 215 and have account with one or more acquirers 225. In one embodiment acquirers 225 can have accounts of plurality of merchants 210 and connected with one or more Mobile Service Provider(s) 215 via one or more Mediator or Common Framework(s) 220 for providing and settling & clearing transactions of cardholders 205.

In another embodiment dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) provider(s) 230 can provide services on behalf of one or more Mobile Service Provider(s) 215 for providing products & services of providers 250 to online cardholders 205 and/or via online or offline merchants 210.

In another important embodiment, present invention is compatible with presently exists Mediator or Common Framework(s) 220 (e.g. Cross-Network-Service-Provider Platforms etc.), Mobile Service Provider(s) 215 (Vodafone, BPL etc.), mobile user(s) 205, acquirers 225, merchants 210 and card Mobile Service Provider(s) mediated, tracked, managed, traded, accounted & billed e- commerce & marketing method & system can easily implementing with presently exists card networks 220 and card Mobile Service Provider(s) can easily convert or extend or merge present card of mobile user(s) to Products & Services (PS) card and can enhancing revenue

exponentially of present card Mobile Service Provider(s), Mediator or Common Framework(s), acquires, merchants and providers of goods & services and also increases credit limits and various benefits of mobile user(s) or group(s) of mobile user(s) including centralize management of purchase transactions, providing preferences of products & services, activities, actions, tracking, accounting, auditing, expense management, support management, products & services related social networks, communications, collaboration & sharing or referring management, deals management and can gets discounts, installment based products & services, offers, centrally managed redeemable points, vouchers & coupons, Gift Certificates.

In another embodiment cardholders 205 can purchase allowed and available products & services from one or more dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 230 of one or more Mobile Service Provider(s) 215 who have affiliations & partnerships with other Mobile Service Provider(s) 215 and/or Mediator or Common Framework(s) 220 of one or more countries, currencies, languages, locations, industries, types, categories, networks, platforms, frameworks, systems and services.

In one embodiment prospective users may apply for Products & Services (PS) Card(s) based on details provided by user(s) or corporate or enterprise or any types of entities and verification of provided details including duly accomplished and signed application form, personnel or profile details, income statements or proof of income including Certificate of Employment stating hire date, position and compensation, Employment Contract, Letter of Appointment, Notice of Salary Increase, Latest Payslip/s showing one month income, Latest Credit Card Statement, Tax Return (most recent and full-year), Audited Financial statements, Proof of Identification including Passport, Driver's License, Company ID and any other qualified or authorized identities, past history of other credit cards, requirement of saving account, available details of historical purchase transactions, details of other PS cards, requirements & preferences of products & services, current loans, debts, and other Eligibility Requirements including age range, income range to Mobile Service Provider(s) 215. Mobile Service Provider(s) 215 verifies, validate all submitted documents by user and allow or decline cards and if card is allowed, then Mobile Service Provider(s) 215 also decide card credit limits and provide dynamic & updated list of products and services that are mobile user(s) eligible to purchase through online web site or applications or dedicated device or smart device like smart phones 230 and/or web site 230 access by via online and/or offline merchants 210 and gets additional credit limits, discounts, offers and benefits. After allowing PS card to mobile user(s), Mobile Service Provider(s) 215 sends PS card to mobile user(s) 205 which enables mobile user(s) 205 to purchase allowed and available products & services based on installments, discounts, provided offers, terms & conditions.

In another embodiment mobile user(s) 205 can purchase allowed & available products & services based on credit limit of mobile user(s) 205 and/or other connected or related users 205 of mobile user(s) 205. In another embodiment credit limit is not barriers or limits for mobile user(s) 205 to purchase allowed & available goods & services via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed platform(s) or web site(s) or service(s).

In another embodiment card also comprise features of existing credit and/or debit card and provide credit limit for purchasing of non allowed products and services in PS card. In another embodiment dedicated Mediator or Common Framework(s) 220 and/or dedicated server(s) 230 manages centralize mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed network(s) for online and/or offline e-commerce & selling service(s) and in accordance with one embodiment plurality of providers 250 centrally register, certify, list, manages products & services and provider profile & accounts including submitting products & services with terms, conditions, agreements, information about discounts, offers, installments, loans, redeemable points, vouchers, coupons, Gift Certificates, gifts, support & other services, verifying, validating, certifying, registering, ranking, insuring, rating, valuing, and listing allowed & authorized products & services for trading, retailing, e-commerce, marketing & selling via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed online and/or offline e-commerce & selling service(s), web site(s), application(s), network(s), merchant(s), smart device(s) & platform(s) 230. In another embodiment plurality of Mobile Service Provider(s) 215 register with and have account with centralize mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed network(s) 230 and can centrally access authorized, available, registered & listed products & services for enabling mobile user(s) 205 of Mobile Service Provider(s) 215 to make eligible for purchasing allowed products and services based on terms, conditions, credit limits of each product and/or service and/or provider 250 of product and/or service and/or PS card Mobile Service Provider(s) 215 and/or Mediator or Common

Framework(s) 220 and/or insurer(s) and/or 3 rd parties or partner(s) 240 of Mobile Service Provider(s) 215 based on mobile user(s) 205 capacity of repayment or paying PS card bill, income statement and other criteria.

In another embodiment plurality of mobile user(s) 205 of plurality Mobile Service Provider(s) 215 can purchase allowed, authorized & available products & services of plurality of providers 250 via centralize mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed online web site(s), network(s), platform(s), application(s), service(s), smart device(s) 230 and/or from plurality of online and/or offline merchants 210 via centralize mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed online web site(s), network(s), platform(s), application(s), service(s), smart device(s) 230. In another embodiment centralize mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed & billed network(s) or server(s) 230 provide management interface(s) to providers 250, Mobile Service Provider(s) 215, mobile user(s) 205, merchants 210 and other users of network(s) 240 including tracking of each product & service related purchases by mobile user(s) 205 of particular Mobile Service Provider(s) 215, sells by merchants 210 to particular mobile user(s) 205 of particular Mobile Service Provider(s) 215, transactions details, associate charges, commissions, payments, dues, installments, loans, discounts, redeemable points, vouchers, coupons, Gift Certificates, offers, accounting, metering and billing for mobile user(s) 205, Mediator or Common Framework(s) 220, Mobile Service Provider(s) 215, partners & 3 r^md parties service providers 240, merchants 210, acquirers 225, & providers 250, status of inventory of authorized & allowed each product & service of each provider 250, each mobile user(s) 205 & each Mobile Service Provider(s) 215 which are available for buying & selling through centralize PS card mediated managed & billed network(s) or platform(s) 230. In another embodiment Mobile Service Provider(s) 215 of PS card generates, updates, presents, provide and sent bills or statement to mobile user(s) 205 from centralize PS card mediated managed & billed web site(s) or server(s) or database(s) or web service(s) 230.

In another embodiment mobile user(s) 205 can centrally manage user profile, preferences, privacy settings, accounts & making of online purchases & payments and can mange plurality types of PS Cards from plurality of Mobile Service Provider(s) 215 including one or more or multi users or multi members or group(s) of PS Card(s) or enterprise PS Card(s) associate purchases details, transactions, tracking & delivery status, credit limits, amounts dues, payments details, installments details, loans, available inventory for eligible products & services for purchase, redeemable points, vouchers, and coupons, Gift Certificates, social networks, applications, services, sharing, referring, referring commission, comments & ranks provided by mobile user(s).

In another embodiment Mobile Service Provider(s) 215 can centrally manage plurality of mobile user(s) 205 of one or more types of PS Cards including dynamically updating list of allowed products & services of particular provider 250 eligible to purchase, duration & number of products & services of particular provider 250 eligible to purchase, associate discounts and credit limits allowed to each mobile user(s), generating, presenting & sending bills to each mobile user(s), tracking, authorizing, verifying credit limits and limits of name & number of products & services of named providers 250 allowed to purchase within particular duration, tracking payments, dues, installments, discounts, charges and commissions associate with each PS Card, mobile user(s), product, service, provider, seller and merchant.

In another embodiment one or more providers 250 including products & service providers, manufacturers, dealers, sellers, merchants, retailers, wholesalers, marketers, e-commerce service providers, portals, deals providers, advertisers, free, trial, advertised and/or sponsored products & service providers, agents, local shops, retailers & malls and web sites can provide products & services to eligible mobile user(s) 205 including products & services provided in one or more groups, units, categories, taxonomies, ontologies, standardized templates, keywords, dynamic list(s) or dynamically adding & updating products & services in list(s) based on user's current location, place, date & time, profile & categorized survey data including country, age range, income range, interest, qualification, gender, preferences, privacy settings, activities, actions, events, senses, historical transactions, workflow, process, procedures, tasks, projects, customize requirements or requests, day to day general requirement, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, and credit limits.

In another embodiment merchant(s) 210 can have account with mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed or controlled e-commerce, advertising & marketing network(s) or web site(s) or service(s) 230 and online and/or offline merchant(s) including e-commerce web site, marketplace, retailer, shop & seller 210 can provide or synchronize or publish or map or send or store data or database of products and/or services to mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated e-commerce, advertising & marketing network(s) or web site(s) or server(s) or service(s) 230 and/or database(s) 235. So online and/or offline users or customers or subscribers 205 of merchant(s) 210 can purchase one or more products and/or services via any types of existing debit and/or credit and/or payments cards and/or PS cards (proposed by present invention) and can view online or gets updated PS Card statements including purchase transaction details provided or recorded or generate or store by PS Card Mobile Service Provider(s) bank 215 (existing card provide only credit/debit/payment card transaction details only and not identity, name, numbers, quantity, amount & any other details of purchased products and/or services) with purchase invoice or bills details provided or recorded or generated or store by merchants 210 and/or provider of products and/or services 250 including name & identity of purchased products including deal(s), ticket(s), book(s), application(s), multimedia content(s), insurance, loans, finance products & schemes and/or services, name & identity of provider(s) of product(s) and/or services, amount or prices for products & services, numbers, quantity, details, a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), minimum payments, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, credit limits, number of installments & amount of per installment, payment dues, discounts, cash backs, interests, commissions, offers, loyalty, rewards, redeemable points, bonus, vouchers & coupons, Gift Certificates. So via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed or PS Card mediated billing of purchased products & services e-commerce, advertising & marketing network(s) or web site(s) or service(s), present e-commerce & marketing become centralize at global level. In one embodiment following is the illustrated & exemplary PS Card mediated managed & billed e-commerce & marketing transaction types and steps:

PS mobile user(s) or customer can purchase allowed products & services via online web site of PS Card mediated managed & billed e-commerce & marketing services 230. When PS mobile user(s) 205 or customer Log-In to account, system displays authorized and available products & services to mobile user(s) 205 and enables mobile user(s) to search, match, select, and buy products, deals, applications and/or subscribe services make payments or installments for clearing bills or past purchases. PS mobile user(s) 205 or customer can also purchase authorized and available products & services via online and offline merchants or sellers or retailers or shops or malls 210. When PS mobile user(s) 205 or customer makes a purchase of available products and services, the credit card number is swiped, manually entered or transmitted via a proximity device to the credit card terminal, POS system, virtual terminal or ecommerce shopping cart. Merchant 210 can search, match, select and enters name, quantity & details of purchased products and services provided & offered by centralize card mediated e-commerce & marketing services server(s) or web site(s) 230, the terminal or PC or application or web site used by merchant 210 connects to card mediated e-commerce & marketing web site 230 for authorizing, verifying, validating the allowed & available quantity of products & service which purchaser 205 is eligible to purchase and If cardholder 205 is eligible for purchase and car holder 205 does not have to pay at the time of purchase of the products & service then card mediated e-commerce & marketing web site 230 records purchase transaction of mobile user(s) 205 at mobile user(s)'s 205 online account 230 and record merchant's 210 sales transaction at online merchant account 230, so mobile user(s) 205 later billed by Mobile Service Provider(s) 215 for purchase made and merchant 210 will get commission or percentage of revenue sharing of selling of products & services via card mediated e-commerce & marketing web site(s) 230 or from respective Mobile Service Provider(s) 215.

In one embodiment if mobile user(s) 205 have to pay minimum amount for purchase of some of the products and/or services or first installment of purchasing of some of the products and/or services and if all or part of purchases authorized the terminal then connects to acquirer bank of merchant or merchant service provider 225 for a PS card authorization. Acquirer bank 225 of merchant or merchant service provider 225 passes the PS card information to the PS card issuing Mobile Service Provider(s) or bank 215 the mobile user(s) 205 is relying on to fund the transaction. The PS card issuing Mobile Service Provider(s) or bank 215 will then perform a verification to determine if the PS card is valid, verify credit limits provided by Mobile Service Provider(s) and/or allowable and available purchased products & services and/or if the minimum funds are available on the mobile user(s)'s or customer's 205 account. If minimum funds are available, the PS card issuing Mobile Service Provider(s) or bank 215 will temporarily reserve those full or partial funds for the merchant 210 requesting them. After the PS card issuing Mobile Service Provider(s) or bank 215 performs its checks it sends acquirer bank 225 of merchant or merchant service provider 210 an approval number (authorization code) or a decline message. Acquirer bank 225 of merchant or merchant service provider 210 then passes the authorization code or decline message back to the mobile PS card terminal. If the purchase was approved and/or charge was approved and depending on how merchant account is setup, the terminal will print a receipt for the customer to sign. If the charge is declined, the decline message will appear and in some cases provide an explanation for the decline (non- allowed and/or available products & services, over the credit limit of Mobile Service Provider(s) bank and/or one or more products and/or services and/or provider and/or insurer associated over the credit limit, etc.). In one embodiment merchant 210 gets products & service from providers 250 based on installment or discount or at no cost for selling via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated managed & billed e-commerce & marketing network(s) or web site (s) or service(s) or platform(s) 230 and gets commission on installment of each product sold and/or service subscribed by mobile user(s) or consumer 205. In another embodiment merchant 210 authorize, verify PS card of mobile user(s) 205 and books orders of purchased products & services and then purchased products & services are directly provided by providers and/or wholesalers and/or e-commerce & marketing site and/or other sources 250 via courier & postal services to mobile user(s) 205 and merchant 210 gets commission on each order.

In another embodiment mobile user(s) 205 charged first installment of each purchased products and/or services and/or charged minimum amount for each purchased products and/or services and/or not charged at all for purchasing of allowed and available goods & services at the time of purchase was made but charge via monthly statement of PS card including installment of each purchased product & service and merchant 210 will get commission based on total amount of installments of purchased goods & services sold via merchant 210.

In another embodiment mobile user(s) 205 charged fully for purchased products & services and charges are bear or provided by 3 rd parties' loans or funds providers 240 based on installments of loans and sponsorships. Merchant 210 will get full payment of sold products & services.

In another embodiment PS mobile user(s) 205 can purchase non- allowed products & services via regular or current feature available on credit cards i.e. purchase via credit card based on allowed credit limits of credit card.

In one embodiment merchant 210 can "settle" or "batch out" terminal to begin the final process of capturing all of days PS & Credit card authorizations. Once the settlement process is initiated the funds are transferred from the Mobile Service Provider(s) bank 225 to merchant acquiring bank 225 in a process called "interchange" and then the final transfer is from merchant acquiring bank 225 directly to merchant's business checking account 225 through an electronic funds transfer (EFT).

In another embodiment merchant(s) 210 can gets payments, dues, discounts, incentives and commission of selling of products & services from plurality of Mobile Service Provider(s) 215 of PS cards and/or PS & credit cards and/or providers of products & services 250 and/or

Mediator or Common Framework(s) 220 and/or partners or 3 rd parties service providers 240 and/or mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated e- commerce & marketing service web site(s) or platform(s) or network(s) 230. In another embodiment merchant 210 have separate shop or department or automated selling or vending device or product and/or detect PS card & take allowable luxury product(s) and/or service via product(s) and/or service kit associated or attached device (e.g. contactless PS card reader, digital or mobile wallet reader) or selling center or can separately presents in showcase products & services which are available to sell via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated ecommerce, marketing & advertising network(s) 230, so PS card mobile user(s) 205 or customers can easily identified products & services available via mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated ecommerce network(s) 230.

In another embodiment merchant(s) 210 provide separate or dedicated terminal to PS card mobile user(s) 205 or customers for checking or identifying products & services allowed to PS card mobile user(s) 205 or customer and available at merchant's shop or selling center. In another embodiment PS card is in the form of normal credit card, smart card, mobile smart cards, mobile wallet or e-wallet, digital or virtual card, mobile payment card and any other next generation smart card or device. In another embodiment merchant 210 can use dedicated device(s), or PC or tablet PC or smart phones or contactless PS card reader, digital or mobile wallet, or any other smart device(s) connected with card swipe device and/or via internet or other communication medium or interfaces to access mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated e-commerce & marketing network(s), service(s) & platform(s) via online web site(s), and/or web service(s) and/or smart client applications 230.

In another embodiment one or more additional features, modules, components, applications, application features, services, social networks, user activities may integrate with mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed e- commerce, retailing, advertisements, & marketing web site(s), network(s), platform(s), application(s), service(s) & smart devices 230 for enhancing features & scope of global mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated e-commerce network(s). For example global mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated e-commerce & marketing network(s) 230 may integrate various types of e-commerce, deals, advertisements, marketing & promotion features, insurance & loans services, communication channels, collaborations, hosting services, small business services including shopping cart, inventory management, payment processing service, order management, shipping, web site development, customer support & other services, search engines, email services, yellow pages & directories, social networks, jobs, recruitment services, mobile user(s) management, profile and account management, customer relationships management, expense management, products & services inventory management, merchant management, Card Resource Planning (CRP) and any other types of online services.

In another embodiment mobile network(s) or mobile service provider(s) or mobile PS card(s) mediated or managed e-commerce, retailing, advertisements, & marketing web site(s), network(s), platform(s), application(s), service(s) & smart devices 230 enables voice command based purchase, image or icon or text or link tapping, double tapping, dragging, swipe, touching based purchase, one-click purchase and one click payments via mobile interface based on allowable identified products and credit limit by providers of products and/or services and/or issuer or Mobile Service Provider(s), mobile or digital wallet and mobile digital PS card.

In another embodiment dynamically present advertisements or advertised products and/or services and associate allowable products and/or services to mobile user(s) and connected or related mobile users of user based on matching targeting criteria of advertisements, profile of advertised products and services, associate location profile, sensor or device profile, place profile (e.g. shop profile data) with user's and/or connected users of user's one or more defined, created, selected, matched, current, prospective, auto identified or detected or sensed or recognize, shared, suggested, invited, participated, grouped, presented, and associated one or more activities, actions, senses, behavior, events, transactions, requirements, status, auto or manual or physical interactions with other users, video camera, sensors, devices, location, place, and entities, current location and place, map data, preferences, privacy settings, auto recognized or manually inputted list & information of brands used and liked, manually or dynamically or automatically presented categories survey forms to understand user's domain or subject or activities or action or task or workflow specific user preferences, experience, likes, dislikes, selections, comments, reviews, and structured or unstructured information, user generated data, user profile, hit statistics, activity profile, life stream including activities stream and message stream and user associate data.

In another embodiment dynamically allow, dynamically present associate features, discounts, installments, credit limits & other offers and/or auto identify already allowable & identified and/or named products and/or services at one or more web pages, web sites, lists, applications, services, interfaces, profile, in-text, advertisement, vending machine, retail shop (in front of products and/or service) based on user mobile auto identity, login information, user identity, finger prints, eye detection or recognition, user image or photo or video detection & recognition, sensors, mobile phone number and any other manually entered or auto identity or credentials e.g. If [Product A] is allowable to User [Yogesh Rathod] then when user logged in to any web site then if advertise related to [Product A] then user [Yogesh Rathod] is notified with label or link or clickable button "Allowable [Product A] which enables user [Yogesh Rathod] to purchase [Product A] by clicking on button or accessing link or purchase via associate accessible link or button "Purchase [Product A] or "Add to cart [Product A]" or "Gift or Share or Refer or Transfer or Re-sell [Product A]". In one embodiment Figure 3 describes dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s). Bank(s) or Financial Institution(s) or group(s) of Bank(s) or Financial Institution(s) 315 and/or Mediator(s) or Credit Union(s) 320 and/or partner(s) or associate(s) or affiliate(s) 340 and/or 3 rd parties service providers 360 can develop or establish or integrate or host or provide or mange one or more web sites, network(s), application(s), service(s) and provide dedicated smart devices 330 for enabling dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) shown in Figure 3. Bank(s) or Financial Institution(s) 315 can manage own and/or partnership with 3 rd parties service provider(s) or partner(s) or associate(s) or affiliate(s) 340 and/or Mediator(s) or Credit Union(s) 320 for fully or partly managing payment network(s) or dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) or selling of products and services and e-commerce of products and services via PS card and Mediator(s) or Credit Union(s) including providing web site(s) 330 for enabling providers of products & services 350 to apply for verification & registration, register, provide profile details & partnership agreements, terms, conditions, percentage of sharing of revenue and open account(s) with Bank(s) or Financial Institution(s)

315, applying to authorize, approve, register, store, index, format, process and list one or more or updated product(s) or service(s) or brand(s) or group(s) of categorized products and/or services with one or more web sites, networks, applications, services & dedicated devices or smart devices 330 with associated details, agreements, terms, conditions, discounts, offers, gifts, credit limits, installments, & support for available of said products & services for sell or selling or e- commerce via offline merchants or retailers 310 and/or online web site(s) or applications or smart or dedicated devices 330, wherein said one or more web sites, networks, applications, services & dedicated devices or smart devices 330 enabling to maintaining, storing, processing, presenting authorized, allowable and available products & services details to corresponding online user(s) or cardholders and/or Bank Account holders(s) 305 and/or merchants or offline seller or retails of products & services 310, enable to searching, matching, selecting, referring, sharing, categorizing, grouping, filtering, sorting, gifting, bookmarking, buying, selling, authoring or verifying available products & services for each cardholders and/or Bank Account holders 305 and verifying payments limits & making associate payments, transacting, tracking, accounting, managing, trading, bidding, advertising, marketing, promoting one or more authorized products & services or types of products & services including branded products, branded services, local products, local services, deals, advertisements, applications, web services, multimedia contents. In another embodiment Bank(s) or Financial Institution(s) 315 and/or acquirer(s) 325 registers, opens account(s) and manage accounts & profile of partners including other Bank(s) or Financial Institution(s) 315 of Mediator(s) or Credit Union(s) 320 and/or Mediator(s) or Credit Union(s)

320 and/or 3 rd parties service provider(s) and/or associate(s) or affiliate(s) 340 for crediting commissions, fees, charges and incentives.

In another embodiment provider of goods & services 350 can open or establish account with acquirer(s) 325 for debiting commissions, crediting amount of sales, installments and payments.

In another embodiment Bank(s) or Financial Institution(s) 315 shares revenue with one or more merchants 310, partners 340, other Bank(s) or Financial Institution(s) 315, 3 rd parties service providers 340, acquirers 325, Mediator(s) or Credit Union(s) 320, and providers 350.

In another embodiment Bank(s) or Financial Institution(s) 315 can also act as merchant(s) 310 and/or Mediator(s) or Credit Union(s) 320 and/or provider(s) of payment network(s) or card mediated & billed e-commerce, selling & marketing web site(s) or application(s) or service(s) or dedicated or smart devices 330 and/or provider of goods & services 350 and/or acquirer 325.

In accordance with another embodiment cardholders and/or Bank Account holders(s) 305 can have one or more cards of one or more Bank(s) or Financial Institution(s) 315 and can purchase one or more products and/or services of one or more providers 350 from one or more of merchants 310, merchants 310 can have one or more account(s) with one or more acquirer(s) 325.

In another embodiment two or more Bank(s) or Financial Institution(s) 315 can collaboratively provide online e-commerce and selling products & services of providers 350 via merchants 310.

In another embodiment one or more Mediator(s) or Credit Union(s) 320 may have affiliation and partnership with one or more Bank(s) or Financial Institution(s) 315. In another embodiment Bank(s) or Financial Institution(s) 315 can provide one or more types of cards to plurality of cardholders and/or Bank Account holders 305, Bank(s) or Financial Institution(s) 315 are connected with one or more Mediator(s) or Credit Union(s) 320, other Bank(s) or Financial Institution(s) 315, merchants 310, acquirers 325, providers of products & services 350 and partners & 3 rd parties service providers 340 for managing payment network(s) or card mediated & billed e-commerce functions, activities, services, web sites, applications & networks.

In another embodiment one or more providers 350 can collaboratively provide goods & services to one or more dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 315 for selling products & services to cardholders and/or Bank Account holders 305 of one or more Bank(s) or Financial Institution(s) 315 via plurality of merchants 310 and payment network(s) or card mediated & billed e-commerce & marketing web sites 330.

In another embodiment merchant 310 can accept one or more types of cards of cardholders and/or Bank Account holders 305 of one or more Bank(s) or Financial Institution(s) 315 and have account with one or more acquirers 325. In one embodiment acquirers 325 can have accounts of plurality of merchants 310 and connected with one or more Bank(s) or Financial Institution(s) 315 via one or more Mediator(s) or Credit Union(s) 320 for providing and settling & clearing transactions of cardholders and/or Bank Account holders 305. In another embodiment payment network(s) or card mediated & billed e-commerce & marketing web site provider(s) 330 can provide services on behalf of one or more Bank(s) or Financial Institution(s) 315 for providing products & services of providers 350 to online cardholders and/or Bank Account holders 305 and/or via online or offline merchants 310.

In another important embodiment, present invention is compatible with presently exists

Mediator(s) or Credit Union(s) 320 (e.g. Common Framework(s) or Electronic Payments Association(s) or Automated Clearing House etc.), Bank(s) or Financial Institution(s) 315 (Citi Bank, HDFC Bank etc.), cardholders and/or Bank Account holders 305, acquirers 325, merchants 310 and card Bank(s) or Financial Institution(s) mediated, tracked, managed, traded, accounted & billed e-commerce & marketing method & system can easily implementing with presently exists Mediator(s) or Credit Union(s) 320 and card Bank(s) or Financial Institution(s) can easily convert or convert or transfer or extend or merge or combined present card of cardholders and/or Bank Account holders to/with Products & Services (PS) card and can enhancing revenue exponentially of present card Bank(s) or Financial Institution(s), Mediator(s) or Credit Union(s), acquires, merchants and providers of goods & services and also increases credit limits provided by providers and various benefits of cardholders and/or Bank Account holders or group(s) of cardholders and/or Bank Account holders including centralize

management of purchase transactions, providing preferences of products & services, activities, actions, tracking, accounting, auditing, expense management, support management, products & services related social networks, communications, collaboration & sharing or referring management, deals management and can gets discounts, installment based products & services, offers, centrally managed redeemable points, vouchers & coupons, Gift Certificates. In another embodiment cardholders and/or Bank Account holders 305 can purchase allowed and available products & services from one or more dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 of one or more Bank(s) or Financial

Institution(s) 315 who have affiliations & partnerships with other Bank(s) or Financial

Institution(s) 315 and/or Mediator(s) or Credit Union(s) 320 of one or more countries, currencies, languages, locations, industries, types, categories, networks, platforms, frameworks, systems and services. In one embodiment prospective users may apply for Products & Services (PS) Card(s) based on details provided by user(s) or corporate or enterprise or any types of entities and verification of provided details including duly accomplished and signed application form, personnel or profile details, income statements or proof of income including Certificate of Employment stating hire date, position and compensation, Employment Contract, Letter of Appointment, Notice of Salary Increase, Latest Payslip/s showing one month income, Latest Credit Card Statement, Tax Return (most recent and full-year), Audited Financial statements, Proof of Identification including Passport, Driver's License, Company ID and any other qualified or authorized identities, past history of other credit cards, requirement of saving account, available details of historical purchase transactions, details of other PS cards, requirements & preferences of products & services, current loans, debts, and other Eligibility Requirements including age range, income range to Bank(s) or Financial Institution(s) 315. Bank(s) or Financial Institution(s) 315 verifies, validate all submitted documents by user and allow or decline cards and if card is allowed, then Bank(s) or Financial Institution(s) 315 also decide card credit limits and provide dynamic & updated list of products and services that are cardholders and/or Bank Account holders eligible to purchase through online web site or applications or dedicated device or smart device like smart phones 330 and/or web site 330 access by via online and/or offline merchants 310 and gets additional credit limits, discounts, offers and benefits. After allowing PS card to cardholders and/or Bank Account holders, Bank(s) or Financial Institution(s) 315 sends PS card to cardholders and/or Bank Account holders 305 which enable cardholders and/or Bank Account holders 305 to purchase allowed and available products & services based on installments, discounts, provided offers, terms & conditions.

In another embodiment cardholders and/or Bank Account holders 305 can purchase allowed & available products & services based on credit limit of cardholders and/or Bank Account holders 305.

In another embodiment credit limit is not barriers or limits for cardholders and/or Bank Account holders 305 to purchase allowed & available goods & services.

In another embodiment dedicated Mediator(s) or Credit Union(s) 320 and/or dedicated server(s) 330 manages centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) for online and/or offline e-commerce & selling service(s) and in accordance with one embodiment plurality of providers 350 centrally register, certify, list, manages products & services and provider profile & accounts including submitting products & services with terms, conditions, agreements, information about discounts, offers, installments, loans, redeemable points, vouchers, coupons, Gift Certificates, gifts, support & other services, verifying, validating, certifying, registering, ranking, insuring, rating, valuing, and listing allowed & authorized products & services for trading, retailing, e-commerce, marketing & selling via dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed online and/or offline e- commerce, selling, advertising & marketing platform(s), merchant(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s). In another embodiment plurality of Bank(s) or Financial Institution(s) 315 register with and have account with centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 and can centrally access authorized, available, registered & listed products & services for enabling cardholders and/or Bank Account holders 305 of Bank(s) or Financial Institution(s) 315 to make eligible for purchasing allowed products and services based on terms, conditions, credit limits of each product and/or service and/or provider 350 of product and/or service and/or card Bank(s) or Financial Institution(s) 315 and/or Mediator(s) or Credit

Union(s) 320 and/or insurer(s) and/or 3 rd parties or partner(s) 340 of Bank(s) or Financial Institution(s) 315 based on cardholders and/or Bank Account holders 305 capacity of repayment or paying card bill, income statement and other criteria.

In another embodiment plurality of cardholder 305 of plurality Bank(s) or Financial Institution(s) 315 can purchase allowed, authorized & available products & services of plurality of providers 350 via centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 and/or from plurality of online and/or offline merchants 310 via centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330.

In another embodiment centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 provides management interface(s) to providers 350, Bank(s) or Financial Institution(s) 315, cardholders and/or Bank Account holders 305, merchants 310 and other users of network(s) 340 including tracking of each product & service related purchases by cardholders and/or Bank Account holders 305 of particular Bank(s) or Financial Institution(s) 315, sells by merchants 310 to particular cardholders and/or Bank Account holders 305 of particular Bank(s) or Financial Institution(s) 315, transactions details, associate charges, commissions, payments, dues, installments, loans, discounts, redeemable points, vouchers, coupons, Gift Certificates, offers, accounting, metering and billing for cardholders and/or Bank Account holders 305, Mediator(s) or Credit Union(s) 320, Bank(s) or Financial Institution(s)

315, partners & 3 rd parties service providers 340, merchants 310, acquirers 325, & providers 350, status of inventory of authorized & allowed each product & service of each provider 350, each cardholders and/or Bank Account holders 305 & each Bank(s) or Financial Institution(s) 315 which are available for buying & selling through centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330.

In another embodiment Bank(s) or Financial Institution(s) 315 of card generates, updates, presents, provide and sent bills or statement to cardholders and/or Bank Account holders 305 from centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330.

In another embodiment cardholders and/or Bank Account holders 305 can centrally manage user profile, preferences, privacy settings, accounts & making of online purchases & payments and can mange plurality types of cards from plurality of Bank(s) or Financial Institution(s) 315 including one or more or multi users or multi members or group(s) of card(s) or enterprise card(s) associate purchases details, transactions, tracking & delivery status, credit limits, amounts dues, payments details, installments details, loans, available inventory for eligible products & services for purchase, redeemable points, vouchers, and coupons, Gift Certificates, social networks, applications, services, sharing, referring, referring commission, comments & ranks provided by cardholders and/or Bank Account holders.

In another embodiment Bank(s) or Financial Institution(s) 315 can centrally manage plurality of cardholders and/or Bank Account holders 305 of one or more types of cards including dynamically updating list of allowed products & services of particular provider 350 eligible to purchase, duration & number of products & services of particular provider 350 eligible to purchase, associate discounts and credit limits allowed to each cardholders and/or Bank Account holders, generating, presenting & sending bills to each cardholders and/or Bank Account holders, tracking, authorizing, verifying credit limits and limits of name & number of products & services of named providers 350 allowed to purchase within particular duration, tracking payments, dues, installments, discounts, charges and commissions associate with each card, cardholders and/or Bank Account holders, product, service, provider, seller and merchant.

In another embodiment one or more providers 350 including products & service providers, manufacturers, dealers, sellers, merchants, retailers, wholesalers, marketers, e-commerce service providers, portals, deals providers, advertisers, free, trial, advertised and/or sponsored products & service providers, agents, local shops, retailers & malls and web sites can provide products & services to eligible cardholders and/or Bank Account holders 305 including products & services provided in one or more groups, units, categories, taxonomies, ontologies, standardized templates, keywords, dynamic list(s) or dynamically adding & updating products & services in list(s) based on user's current location, place, date & time, profile & categorized survey data including country, age range, income range, interest, qualification, gender, preferences, privacy settings, activities, actions, events, senses, historical transactions, workflow, process, procedures, tasks, projects, customize requirements or requests, day to day general requirement, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, and credit limits.

In another embodiment merchant(s) 310 can have account with dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 and online and/or offline merchant(s) including e-commerce web site, marketplace, retailer, shop & seller 310 can provide or synchronize or publish or map or send or store data or database of products and/or services to dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 and/or database(s) 335. So online and/or offline users or customers or subscribers 305 of merchant(s) 310 can purchase one or more products and/or services via any types of existing debit and/or credit and/or payments cards and/or PS cards (proposed by present invention) and can view online or gets updated card statements including purchase transaction details provided or recorded or generate or store by card Bank(s) or Financial Institution(s) bank 315 (existing bank statement or card statement provide only credit/debit/payment card transaction details only and not identity, name, numbers, quantity, amount & any other details of purchased products and/or services) with purchase invoice or bills details provided or recorded or generated or store by merchants 310 and/or provider of products and/or services 350 including name & identity of purchased products including deal(s), ticket(s), book(s), application(s), multimedia content(s), insurance, loans, finance products & schemes and/or services, name & identity of provider(s) of product(s) and/or services, amount or prices for products & services, numbers, quantity, details, a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), minimum payments, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, credit limits, number of installments & amount of per installment, payment dues, discounts, cash backs, interests, commissions, offers, loyalty, rewards, redeemable points, bonus, vouchers & coupons, Gift Certificates. So via dynamic products & services card & account and/or global payments and/or mobile network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s), present e-commerce & marketing become centralize at global level.

In one embodiment following is the illustrated & exemplary dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) transaction types and steps: PS cardholders and/or Bank Account holders or customer can purchase allowed products & services via dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330. When PS cardholders and/or Bank Account holders 305 or customer Log-In to account, system displays authorized and available products & services to cardholders and/or Bank Account holders 305 and enables cardholders and/or Bank Account holders to search, match, select, and buy products, deals, applications and/or subscribe services make payments or installments for clearing bills or past purchases. PS cardholders and/or Bank Account holders 305 or customer can also purchase authorized and available products & services via online and offline merchants or sellers or retailers or shops or malls 310. When PS cardholders and/or Bank Account holders 305 or customer makes a purchase of available products and services, the credit card number is swiped, manually entered or transmitted via a proximity device to the credit card terminal, POS system, virtual terminal or ecommerce shopping cart. Merchant 310 can search, match, select and enters name, quantity & details of purchased products and services provided & offered by centralize dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330, the terminal or PC or application or web site used by merchant 310 connects to dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 for authorizing, verifying, validating the allowed & available quantity of products & service which purchaser 305 is eligible to purchase and If cardholder or bank account holder 305 is eligible for purchase and car holder or bank account holder 305 does not have to pay at the time of purchase of the products & service then payments network(s) or card mediated e-commerce & marketing web site 330 records purchase transaction of cardholders and/or Bank Account holders 305 at cardholder's and/or Bank Account holder's 305 online account 330 and record merchant's 310 sales transaction at online merchant account 330, so cardholders and/or Bank Account holders 305 later billed by Bank(s) or Financial Institution(s) 315 preferably via bank statement for purchase made and merchant 310 will get commission or percentage of revenue sharing of selling of products & services via dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 or from respective Bank(s) or Financial Institution(s) 315.

In one embodiment if cardholders and/or Bank Account holders 305 have to pay minimum amount for purchase of some of the products and/or services or first installment of purchasing of some of the products and/or services and if all or part of purchases authorized the terminal then connects to acquirer bank of merchant or merchant service provider 325 for a PS card authorization. Acquirer bank 325 of merchant or merchant service provider 325 passes the PS card information to the PS card issuing bank ("CIB") or Bank(s) or Financial Institution(s) 315 the cardholder and/or bank account holder 305 is relying on to fund the transaction. The CIB or Bank(s) or Financial Institution(s) 315 will then perform a verification to determine if the card is valid, verify credit limits provided by Bank(s) or Financial Institution(s) and/or allowable and available purchased products & services and/or if the minimum funds are available on the cardholder's and/or Bank Account holder's or customer's 305 account. If minimum funds are available, the CIB or Bank(s) or Financial Institution(s) 315 will temporarily reserve those full or partial funds for the merchant 310 requesting them. After the Card Issuing Bank or Bank(s) or Financial Institution(s) 315 performs its checks it sends acquirer bank 325 of merchant or merchant service provider 310 an approval number (authorization code) or a decline message. Acquirer bank 325 of merchant or merchant service provider 310 then passes the authorization code or decline message back to the PS card terminal. If the purchase was approved and/or charge was approved and depending on how merchant account is setup, the terminal will print a receipt for the customer to sign. If the charge is declined, the decline message will appear and in some cases provide an explanation for the decline (non- allowed and/or available products & services, over the credit limit of Bank(s) or Financial Institution(s) bank and/or one or more products and/or services and/or provider and/or insurer associated over the credit limit, etc.).

In one embodiment merchant 310 gets products & service from providers 350 based on installment or discount or at no cost for selling via dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 and gets commission on installment of each product sold and/or service subscribed by cardholders and/or Bank Account holders or consumer 305. In another embodiment merchant 310 authorize, verify card of cardholders and/or Bank Account holders 305 and books orders of purchased products & services and then purchased products & services are directly provided by providers and/or wholesalers and/or e-commerce & marketing site and/or other sources 350 via courier & postal services to cardholders and/or Bank Account holders 305 and merchant 310 gets commission on each order.

In another embodiment cardholders and/or Bank Account holders 305 charged first installment of each purchased products and/or services and/or charged minimum amount for each purchased products and/or services and/or not charged at all for purchasing of allowed and available goods & services at the time of purchase was made but charge via monthly statement of PS card including installment of each purchased product & service and merchant 310 will get commission based on total amount of installments of purchased goods & services sold via merchant 310. In another embodiment cardholders and/or Bank Account holders 305 charged fully for purchased products & services and charges are bear or provided by 3^rd parties' loans or fund providers 340 based on installments of loans and sponsorships. Merchant 310 will get full payment of sold products & services. In another embodiment PS cardholders and/or Bank Account holders 305 can purchase non- allowed products & services via regular or current feature available on credit cards i.e. purchase via credit card or bank account based on allowed credit limits of credit card.

In one embodiment merchant 310 can "settle" or "batch out" terminal to begin the final process of capturing all of days PS & Credit card authorizations. Once the settlement process is initiated the funds are transferred from the card issuing bank or Bank(s) or Financial Institution(s) 315 to merchant acquiring bank 325 in a process called "interchange" and then the final transfer is from merchant acquiring bank 325 directly to merchant's business checking account 325 through an electronic funds transfer (EFT).

In another embodiment merchant(s) 310 can gets payments, dues, discounts, incentives and commission of selling of products & services from plurality of Bank(s) or Financial Institution(s) 315 of PS card and/or PS & credit cards and/or providers of products & services 350 and/or

Mediator(s) or Credit Union(s) 320 and/or partners or 3 rd parties service providers 340 and/or payments network(s) or card mediated e-commerce & marketing service web site(s) or platform(s) or network(s) 330.

In another embodiment merchant 310 have separate shop or department or automated selling or vending device or product and/or swipe & take luxury product(s) and/or service via product(s) and/or service kit associated or attached swipe device (e.g. Sqare device) or selling center or can separately presents in showcase products & services which are available to sell via payments network(s) or card mediated ecommerce network(s) 330, so PS cardholders and/or Bank Account holders 305 or customers can easily identified products & services available via payments network(s) or card mediated ecommerce network(s) 330.

In another embodiment merchant(s) 310 provide separate or dedicated terminal to PS cardholders and/or Bank Account holders 305 or customers for checking or identifying products & services allowed to PS cardholders and/or Bank Account holders 305 or customer and available at merchant's shop or selling center.

In another embodiment PS card is in the form of normal credit card, smart card, mobile smart card and any other next generation smart card or device. In another embodiment merchant 310 can use dedicated device(s), or PC or tablet PC or smart phones or any other smart device(s) connected with card swipe device and/or via internet or other communication medium or interfaces to access payments network(s) or card mediated e-commerce & marketing network(s), service(s) & platform(s) via online web site(s), and/or web service(s) and/or smart client applications 330. In another embodiment one or more additional features, modules, components, applications, application features, services, social networks, user activities may integrate with dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 for enhancing features & scope of global payments network(s) and/or Bank(s) or Financial Institution(s) and/or dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s). For example global payments network(s) and/or Bank(s) or Financial Institution(s) and/or dynamic products & services card and/or bank account and/or global Bank(s) or Financial Institution(s) network(s) mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 330 may integrate various types of e-commerce, deals, advertisements, marketing & promotion features, insurance & loans services, communication channels, collaborations, hosting services, small business services including shopping cart, inventory management, payment processing service, order management, shipping, web site development, customer support & other services, search engines, email services, yellow pages & directories, social networks, jobs, recruitment services, cardholders and/or Bank Account holders management, profile and account management, customer relationships management, expense management, products & services inventory management, merchant management, Card Resource Planning (CRP) and any other types of online services.

In another embodiment Figure 4 illustrates enabling 3 rd parties or external domains, web sites, applications, services, databases, servers, online and/or offline merchants or retailers, smart devices, networks, platforms, e-commerce services, search engines, social networks & shopping carts 435 and 455 to log-in and/or sign-up and/or connect and/or participate and/or communicate and/or integrate and/or subscribe and/or register with a dynamic products & services card & account and/or global payments 130 and/or mobile network(s) 230 and/or banks or financial institution network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 for enabling online and/or offline merchant(s) and/or providers to manage allowable products and/or services for purchase to cardholders based on extended credit limits, discounts, offers, bonus, redeemable points, installment facilities provided by provider(s) for each or group(s) of products and/or services, manage non-allowable or all other products and/or services offered based on regular credit limits provided by issuer and/or associates and/or partners or 3 rd parties service providers, manage selling products and/or services, making transactions, view selling details, receiving payments or installments deducting commissions, discounts, charges, & fees, managing or updating inventories, credit limits, offers & commission terms & conditions, customer relationships & supports, profile & accounts, adding or updating products and/or services and details of products and/or services, manage sells transactions including adding of allowable and/or non-allowable or other products and/or services to centralize & dynamic cart, checkouts & payments by cardholders on or via payments 130 and/or mobile network(s) 230 and/or banks or financial institution network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), & service(s) and allowing cardholders or account holders or users (e.g. www . EcomZone .com 430 and www.SuperBay.com 450) to log-in and/or sign-up and/or connect and/or participate and/or communicate and/or integrate and/or subscribe and/or register with a dynamic products & services card & account and/or global Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 for enabling to Log-In 437 & 457 to Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 for adding one or more eventually purchased products and/or services 436 & 456 to centralize & dynamic cart 438, 458 & 475, checkout via 439 & 459 or pay via 440 & 460 or add to wish list one or more products and/or services 441 & 461 or gift to member(s) 442 & 462 or sent request to allow or add selected one or more products and/or services to purchase with Products & Services Card 443 & 463 via Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s)

415. Added one or more eventually purchased products and/or services 436 & 456 from 3 rd parties web sites 430 & 450 via "Add to Centralize & Dynamic Cart of PNME" button 438 & 468 are presented at centralize & dynamic shopping cart & checkout 475. Centralize & dynamic shopping cart & checkout 475 enables cardholder or user to dynamically checkout based on dynamic rules, conditions & schemes of availability and/or allows ability of purchased products and/or services and/or deals, particular numbers of purchasers purchased products or accept offers within particular duration, events, date & time, duration range, location of user, duration of payments, minimum payments while purchase, credit limits, discounts, offers & redeemable points provided by provider of each product and/or service and/or group(s) of providers provide aggregately. Cardholder or user can checkout via Products & services card(s) and/or checkout via plurality of existing payment methods, services & systems available including one or more payments and/or charge and/or debit and/or credit cards, credit limit provided by issuer with products & services card(s), mobile payments & wallets, digital or virtual payments/debit/credit/gift/rewards/redeemable points/products & services card(s), pay via bank accounts & net banking, Pay Directly from Your Checking Account, loans, credit line(s), direct deposits, and 3 rd parties payment services via Centralize & Dynamic Checkout 490. Cardholder or user can or buyers will be able to make purchases using all addresses and payment methods associated with account. Cardholder or user can add, mod, delete or update one or more payment methods. Cardholder or user can also attach, detach, add new or continue shopping from one or more sources, delete existing orders from list of one or more eventually purchased products and/or services from one or more sources and then complete purchases using the information stored in their accounts.

Many changes and modifications will occur to those skilled in the art upon studying this description. All such changes and modifications which are within the spirit of the invention are intended to be included within the scope of the claims.

Claims

I claim:

1. A method of card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) comprising:

• enabling provider of goods & services to list one or more products and/or services at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

· enable card issuer(s) of card network(s) to issue products & services (PS) card(s) to card holders, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from or via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants; and

• tracking, calculating, making, updating, processing and storing transactions & transactions details associate with cardholders and/or merchants and/or issuers and/or acquirers and/or card networks and/or providers and/or partners and/or 3 rd parties service providers including purchase, sells, payments, debiting and/or crediting with accounts, deposits, commissions, dues, installments, discounts, transaction fees and other charges at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s).

2. The method according to claim 1, wherein card network(s) comprising global card

network(s), issuer & group of issuers network(s), Partners & 3 rd parties service providers of global card network(s) and issuer & group of issuers network(s). 3. The method according to claim 1, wherein enabling providers to submit list products & services at card network(s) and/or payments and/or mobile network(s) mediated e- commerce server(s) or web site(s) for listing at card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s).

The method according to claim 3, wherein maintaining each product and/or service associated description, profile, updated ranks & comments, metadata, price, subscription charges & subscription models, discount, dynamic rules, terms, & conditions of deals including if number of user buys products within particular duration then deal is attained otherwise fail, if particular number of buyers buys products and/or services within particular duration via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s) then deal is attained otherwise deal fails & any other dynamic rules based deals, trading, & e-commerce, number of and amount of installments, offers, redeemable points, bonus, vouchers, coupons, Gift Certificates, cash backs, commission offered to merchants, commission offered to issuer(s), number of products allowed to each or all issuer(s), number of products allowed to sell via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), details and number of products sold to card holders, sales transaction details by merchants and/or directly via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), purchase transaction details of card holders, commission, fees & charges dues for issuer(s) or partners of issuer(s), card network(s) and merchant(s), list of cardholders allowed to purchase products & services via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), list of issuers where products & services are listed, hit statistics, bookmarks, associate communications, user generated contents, groups, social networks, & services.

5. The method according to claim 1, wherein enabling card issuer(s) to issue card(s) with associated dynamically allowable and authorized list(s) of products & services of one or more products & services providers and number of allowable and authorized products & services one or more or group(s) or matched or particular or each cardholder eligible to purchase within particular duration based on each product and/or service associated one or more terms, conditions, agreements, amount of each installment, number of installments, discounts, offers, redeemable points, bonus, vouchers, coupons, Gift Certificates.

The method according to claim 5, wherein said allowable and authorized list(s) of products & services and number of allowable and authorized products & services of or more products & services providers are dynamic and updatable.

7. The method according to claim 6, wherein dynamic and updatable list(s) are updated based on updated offers from existing or new providers & advertisers of products & services, dynamically adding & updating products & services in list(s) based on user's current location, place, date & time, profile & categorized survey data including country, age range, income range, interest, qualification, gender, preferences, privacy settings, activities, actions, events, senses, historical transactions, workflow, process, procedures, tasks, projects, customize requirements or requests, day to day general requirement, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, and credit limits.

8. The method according to claim 1, wherein providing card account statement or bills to each card holder within particular duration range, wherein card account statement comprising card holder account number, name, address, billing period, statement data, payment due date, current amount due, minimum amount due, balance summary including previous balance, payment received, new purchase, cash advance, finance charges, credit line, credit available, new balance, minimum payment due, reward summary including redeemable points, vouchers, coupons, Gift Certificates, gifts & various schemes & offers, the total purchases undertaken with the card, each purchased or subscribed product and/or service name, details, numbers or quantity, amount, current installment amount, total number of installment, amount & number of installments paid, name & number of products and/or services available for purchase, name, details & number of new products & services of products & services providers allowed or dynamically added or updated to card allowing for purchase, any outstanding fees, and the total amount owed for all and/or each or group(s) of purchased product(s) and/or service(s) with details, reference number, transaction date, amount of purchase, related minimum dues and total number of installments, each installment amount.

9. The method according to claim 1, wherein enabling card holders of one or more issuers to search, match, select and purchase one or more allowable, authorized & available products & services of one or more products & services providers of one or more country or location & currency of practice from one or more merchants and/or from one or more or central card mediated and/or payments and/or mobile network(s) e-commerce web site(s).

10. The method according to claim 1, wherein enabling plurality of merchants including online and/or offline merchants, sellers, web sites, 3 rd parties e-commerce, auctions, deals, search web sites, applications, services, smart devices & networks to accept one or more types of cards of one or more issuers for authorizing & verifying allowable, authorized & available products and services and/or allowed total credit limits and/or allowed credit limits for each product and/or service, transacting, providing, offering, sending via courier, trading, selling, getting commission & charges, retailing, e- commerce of products and/or services which are allowed, authorized and available for purchase to each card holder of each issuer.

11. The method according to claim 1, wherein enabling cardholders to create one or more groups, social networks, communication channels based on allowable & authorized products & services, purchased products & services, bookmarked products & services, accepting offers of deals, location, activities, types of business, similar profile data, activities, actions, events, transactions, interests, location, place, date & time.

12. The method according to claim 1, wherein card network(s) and/or payments and/or

mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) can integrate with 3 rd parties domains, networks, web sites, web pages, applications, objects, services, web services, databases, social networks, smart devices.

13. A method comprising:

• enabling online and/or offline merchant(s) to register and open account with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for accepting products & services (PS) cards of issuers;

• receiving products & services (PS) card or card details from cardholder for

making transaction of purchases of cardholder via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

• verifying allowed & available products & services limits with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing server(s) and/or verifying credit limits with issuer of card via acquirer for fully or partially making payment for allowable and/or non- allowable products & services; and

• after verification and authorization successful, making and storing transaction(s) for allowed & available products & services purchased by cardholder with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s).

14. The method according to claim 13, wherein enabling merchant(s) to mange & tracks accounts, profile(s), details of sells and purchase transactions, orders, bills, inventory, deposits, payments, commissions, charges, dues, fees, offers installments, discounts, and incentives.

15. A method comprising:

• enabling cardholder(s) to register and open account with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s); and

• enabling cardholder(s) to search, match, select, manage and purchase allowed & available products & services via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or merchants.

16. The method according to claim 15, wherein enabling card holder to mange one or more cards of one or more issuers.

17. The method according to claim 15, wherein enabling card holder to purchase one or more allowed, authorized & available products and services from card or card network(s) and/or payments and/or mobile network(s) mediated e-commerce web site(s) and/or one or more online and/or offline merchants of one or more country and practice in one or more currency.

18. The method according to claim 15, wherein enabling card holder to transfer, share, trade, re-sell one or more allowed, authorized & available products and services to other card holders.

19. A method comprising:

• enabling card issuer(s) to register and/or open account with card network(s)

and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

• enabling card issuer(s) to make limits of allowed products & services for each cardholder(s) from issuer allowed list of products & services maintained or stored at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s); and

• enable card issuer(s) of card network(s) to issue products & services (PS) card(s) to card holders, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants.

20. The method according to claim 19, wherein enabling card issuers to collaboratively

provide one or more types of cards to users.

21. The method according to claim 19, wherein enabling card issuers dynamically mange and update allowable and authorized products and service for each cardholder.

22. The method according to claim 19, wherein enabling card issuer and/or group of card issuers and/or partner(s) of card issuer(s) to manage card mediated and/or payments and/or mobile network(s) e-commerce web site(s), network(s), service(s), application(s) & smart device(s) for related or associated cardholders.

23. The method according to claim 19, wherein enabling card issuer to track, manage and clear or settle transactions, payments , dues, bills, installments, charges, fees, offers, bonus, points, deposits, discounts associate with or transactions among card holders and/or merchants and/or providers and/or partners and/or acquirers of merchants and/or card network(s) and/or other issuers and/or 3 rd parties service providers and/or provider of or integrator of full or partial card mediated and/or payments and/or mobile network(s) e-commerce web sites, applications, services, databases, web services, smart devices, networks and social networks.

24. A method comprising: • enabling card network(s) to integrate card mediated and/or payments and/or mobile network(s) e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) with card network(s);

• enabling provider of goods & services to list one or more products and/or services at card network(s) and/or payments and/or mobile network(s)integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s)

• enabling card issuer(s) to register with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for issuing products & services (PS) cards to cardholders and registering account of cardholder with issuer, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants;

• enabling merchant(s) to register with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for accepting products & services (PS) cards of issuers;

• verifying allowed & available products & services limits with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing server(s) and/or verifying credit limits with issuer of card;

• after verification and authorization successful, making and storing transaction(s) for allowed & available products & services purchased by cardholder with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s); and

· tracking, calculating, making, updating, processing and storing transactions & transactions details associate with cardholders and/or merchants and/or issuers and/or acquirers and/or card networks and/or providers and/or partners and/or 3 rd parties service providers including purchase, sells, payments, debiting and/or crediting with accounts, deposits, commissions, dues, installments, discounts, transaction fees and other charges at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s).

25. A system of card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s), wherein system comprises:

• enable provider of goods & services to list one or more products and/or services at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

• enable card issuer(s) of card network(s) to issue products & services (PS) card(s) to card holders, wherein said products & services (PS) card(s) enables card holders to purchase allowed & available products & services to card holder(s) from or via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants; and

• track, calculate, make, update, process and store transactions & transactions

details associate with cardholders and/or merchants and/or issuers and/or acquirers and/or card networks and/or providers and/or partners and/or 3 rd parties service providers including purchase, sells, payments, debit and/or credit with accounts, deposits, commissions, dues, installments, discounts, transaction fees and other charges at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s).

26. The system according to claim 25, wherein card network(s) comprises global card

network(s), issuer & group of issuers network(s), Partners & 3 rd parties service providers of global card network(s) and issuer & group of issuers network(s).

27. The system according to claim 25, wherein enable providers to submit list products & services at card network(s) and/or payments and/or mobile network(s) mediated e- commerce server(s) or web site(s) for listing at card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s).

28. The system according to claim 27, wherein maintain each product and/or service associated description, profile, updated ranks & comments, metadata, price, subscription charges & subscription models, discount, dynamic rules, terms, & conditions of deals including if number of user buys products within particular duration then deal is attained otherwise fail, if particular number of buyers buys products and/or services within particular duration via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s) then deal is attained otherwise deal fails & any other dynamic rules based deals, trading, & e-commerce, number of and amount of installments, offers, redeemable points, bonus, vouchers, coupons, Gift Certificates, cash backs, commission offered to merchants, commission offered to issuer(s), number of products allowed to each or all issuer(s), number of products allowed to sell via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), details and number of products sold to card holders, sales transaction details by merchants and/or directly via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), purchase transaction details of card holders, commission, fees & charges dues for issuer(s) or partners of issuer(s), card network(s) and merchant(s), list of cardholders allowed to purchase products & services via card network(s) and/or payments and/or mobile network(s) mediated e-commerce server(s) or web site(s), list of issuers where products & services are listed, hit statistics, bookmarks, associate communications, user generated contents, groups, social networks, & services.

29. The system according to claim 25, wherein enable card issuer(s) to issue card(s) with associated dynamically allowable and authorized list(s) of products & services of one or more products & services providers and number of allowable and authorized products & services one or more or group(s) or matched or particular or each cardholder eligible to purchase within particular duration based on each product and/or service associated one or more terms, conditions, agreements, amount of each installment, number of installments, discounts, offers, redeemable points, bonus, vouchers, coupons, Gift Certificates.

30. The system according to claim 29, wherein said allowable and authorized list(s) of

products & services and number of allowable and authorized products & services of one or more products & services providers are dynamic and updatable.

31. The system according to claim 30, wherein enable to update dynamic and updatable list(s) based on updated offers from existing or new providers & advertisers of products & services, dynamically add & update products & services in list(s) based on user's current location, place, date & time, profile & categorized survey data including country, age range, income range, interest, qualification, gender, preferences, privacy settings, activities, actions, events, senses, historical transactions, workflow, process, procedures, tasks, projects, customize requirements or requests, day to day general requirement, enterprise or industry or field or company or shop or origination or work or manufacturer or professional types, and credit limits.

32. The system according to claim 25, wherein provide card account statement or bills to each card holder within particular duration range, wherein card account statement comprises card holder account number, name, address, billing period, statement data, payment due date, current amount due, minimum amount due, balance summary including previous balance, payment received, new purchase, cash advance, finance charges, credit line, credit available, new balance, minimum payment due, reward summary including redeemable points, vouchers, coupons, Gift Certificates, gifts & various schemes & offers, the total purchases undertaken with the card, each purchased or subscribed product and/or service name, details, numbers or quantity, amount, current installment amount, total number of installment, amount & number of installments paid, name & number of products and/or services available for purchase, name, details & number of new products & services of products & services providers allowed or dynamically added or updated to card allowing for purchase, any outstanding fees, and the total amount owed for all and/or each or group(s) of purchased product(s) and/or service(s) with details, reference number, transaction date, amount of purchase, related minimum dues and total number of installments, each installment amount.

33. The system according to claim 25, wherein enable card holders of one or more issuers to search, match, select and purchase one or more allowable, authorized & available products & services of one or more products & services providers of one or more country or location & currency of practice from one or more merchants and/or from one or more or central card or card network(s) and/or payments and/or mobile network(s) mediated e- commerce web site(s).

34. The system according to claim 25, wherein enable plurality of merchants including online and/or offline merchants, sellers, web sites, 3 rd parties e-commerce, auctions, deals, search web sites, applications, services, smart devices & networks to accept one or more types of cards of one or more issuers for authorizing & verifying allowable, authorized & available products and services and/or allowed total credit limits and/or allowed credit limits for each product and/or service, transacting, providing, offering, sending via courier, trading, selling, getting commission & charges, retailing, e-commerce of products and/or services which are allowed, authorized and available for purchase to each card holder of each issuer.

35. The system according to claim 25, wherein enable cardholders to create one or more groups, social networks, communication channels based on allowable & authorized products & services, purchased products & services, bookmarked products & services, accepting offers of deals, location, activities, types of business, similar profile data, activities, actions, events, transactions, interests, location, place, date & time.

36. The system according to claim 25, wherein card network(s) and/or payments and/or

37. A system comprises:

• enable online and/or offline merchant(s) to register and open account with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for accepting products & services (PS) cards of issuers;

• receive products & services (PS) card or card details from cardholder for making transaction of purchases of cardholder via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

• verify allowed & available products & services limits with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing server(s) and/or verifying credit limits with issuer of card via acquirer for fully or partially making payment for allowable and/or non- allowable products & services; and

38. The system according to claim 37, wherein enable merchant(s) to mange & tracks

accounts, profile(s), sells and purchase transactions details, orders, bills, inventory, deposits, payments, commissions, charges, dues, fees, offers installments, discounts, and incentives.

39. A system comprises:

• enable cardholder(s) to register and open account with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s); and

• enable cardholder(s) to search, match, select, manage and purchase allowed & available products & services via card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or merchants.

40. The system according to claim 39, wherein enable card holder to mange one or more cards of one or more issuers.

41. The system according to claim 39, wherein enable card holder to purchase one or more allowed, authorized & available products and services from card mediated and/or payments and/or mobile network(s) e-commerce web site(s) and/or one or more online and/or offline merchants of one or more country and practice in one or more currency.

42. The system according to claim 39, wherein enable card holder to transfer, share, trade, resell one or more allowed, authorized & available products and services to other card holders.

43. A system comprises: • enable card issuer(s) to register and/or open account with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s);

· enable card issuer(s) to make limits of allowed products & services for each

cardholder(s) from issuer allowed list of products & services maintained or stored at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s); and

· enable card issuer(s) of card network(s) to issue products & services (PS) card(s) to card holders, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants.

44. The system according to claim 43, wherein enable card issuers to collaboratively provide one or more types of cards to users.

45. The system according to claim 43, wherein enable card issuers dynamically mange and update allowable and authorized products and service for each cardholder.

46. The system according to claim 43, wherein enable card issuer and/or group of card

issuers and/or partner(s) of card issuer(s) to manage card or card network(s) and/or payments and/or mobile network(s) mediated e-commerce web site(s), network(s), service(s), application(s) & smart device(s) for related or associated cardholders.

47. The system according to claim 43, wherein enable card issuer to track, manage and clear or settle transactions, payments , dues, bills, installments, charges, fees, offers, bonus, points, deposits, discounts associate with or transactions among card holders and/or merchants and/or providers and/or partners and/or acquirers of merchants and/or card network(s) and/or other issuers and/or 3 rd parties service providers and/or provider of or integrator of full or partial card or card network(s) and/or payments and/or mobile network(s) mediated e-commerce web sites, applications, services, databases, web services, smart devices, networks and social networks.

48. A system comprises:

• enable card network(s) to integrate card or card network(s) and/or payments

and/or mobile network(s) mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) with card network(s);

• enable provider of goods & services to list one or more products and/or services at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s)

• enable card issuer(s) to register with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for issuing products & services (PS) cards to cardholders and registering account of cardholder with issuer, wherein said products & services (PS) card(s) enabling card holders to purchase allowed & available products & services to card holder(s) from card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) and/or associate merchants;

• enable merchant(s) to register with card network(s) and/or payments and/or

mobile network(s) integrated or managed or mediated e-commerce & marketing service(s), server(s), web site(s), application(s), database(s), network(s) & smart device(s) for accepting products & services (PS) cards of issuers;

· verify allowed & available products & services limits with card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e- commerce & marketing server(s) and/or verifying credit limits with issuer of card;

details associate with cardholders and/or merchants and/or issuers and/or acquirers and/or card networks and/or providers and/or partners and/or 3 rd parties service providers including purchase, sells, payments, debiting and/or crediting with accounts, deposits, commissions, dues, installments, discounts, transaction fees and other charges at card network(s) and/or payments and/or mobile network(s) integrated or managed or mediated e-commerce & marketing server(s).

49. The system according to claim 48, wherein card network(s) and/or payments and/or

50. A system comprises:

• maintain, stores, processes and tracks accounts, transactions, details of

transactions and profiles, details, associate data & metadata, privacy settings, presences of issuers, card holders, merchants, products, services and providers of products and/or services;

• interface is configured to enable provider(s) to submit and/or certify and/or verify and/or register list one or more products and/or services at card or card network(s) and/or payments and/or mobile network(s) mediated e-commerce web site(s) or network(s) and manage purchase transactions, sells, instilments & credit limits associate with each offered product and/or services, number of total products and/or service available within particular duration range for particular or all or number of issuers, statistics, updates, deposits, payments, revenues, dues, commissions, fees, redeemable points, bonus, vouchers, coupons, Gift Certificates;

• interface is configured to enable issuer(s) and/or card network(s) and/or provider of card or card network(s) and/or payments and/or mobile network(s) mediated e- commerce web site(s) or service(s) to register, verify, validate, certify, open accounts for card holders, providers and merchants, verify and issue card(s) and dynamically allowed and authorized list(s) and numbers of products & services to purchase, sending or presenting updated account statement or bills to card holder, manage transactions associate with sells, purchases, payments, commissions, discounts, deposits, fees, dues, charges related to or among card holders and/or merchants and/or card network(s) and/or other issuers and/or partners and/or service providers and/or providers of products and/or services;

• interface is configured to enable card holder(s) to manage one or more cards of one or more issuers, manage one or more accounts of multi user cards including update securities policies, creating accounts, authorization of purchasing of one or more products & services, amount of purchases and privacy settings for each created account, search, match, select, manage, bookmark, purchase one or more allowed, authorized or non-allowed products and/or services of providers, view purchase transaction details, bills, manage payments, installments, dues, charges, transaction fees, interests, redeemable points, bonus, vouchers, coupons, Gift

Certificates, deposits, loans, insurance, update profile, privacy settings & preferences, provide comments & ranks, create or join groups, social networks, communication channels; and

• interface is configured to enable merchant(s) to register with issuer and/or card or card network(s) and/or payments and/or mobile network(s) mediated e-commerce web site(s) network(s) or service(s), authorize & verify allowable, authorized and available products & services purchased by card holder, verify credit limits associate with card, make transaction for card holders, record details of provided products and/or services, manage transactions related to selling of products and services to card holders of various issuers, view updated sells, commissions & charges related to each issuers and/or card network(s) and/or provides and/or card holders, manage purchase from providers including payments, installments, dues.

51. The system according to claim 50, wherein card network(s) and/or payments and/or

52. A method comprising:

• storing dynamic, customize & contextual elements and/or sub-elements & any combination thereof of when, why, what, where & how to buy by user(s) including taxonomies, ontologies, semantic syntax, dictionary, list, data, rules, rules base & rules based system, relationships, linking or links, graphs and associate dynamic active resources; • monitoring, tracking, matching and/or identifying & storing, at least one of when, why, what, how & where to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s) by user(s) or in any combination thereof based on or via dynamic element(s) and/or sub-element(s) associate resources, of: when user want to or expect to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s);

why user want to buy particular product(s) and/or service(s) and/or type(s) of product(s) and/or service(s);

what product(s) and/or service(s) and/or type(s) of product(s) and/or service(s) user want to buy;

where user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s);

how user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s)

53. The method according to claim 52, wherein active resources comprises applications

including expense, budget, inventory, colander, event schedule, account, profile, order management applications, services, objects, web sites, web pages, smart devices, sensors including detection of voice, command, image, video, touch, location, place, & movement, sources, multimedia data, databases, networks, social networks, profiles, user data including conditions, privacy settings, preferences, shared data, business data, information about currently using and/or want to use branded products and/or services, message and/or activities stream, disclose purchase requirement data & search query, dynamic surveys or input associate data which dynamically asked by system based on initiation of buying process including taking information from user(s) about when, why, what, how & where to prospectively buy products and/or services by user(s), data related to and/or contextual data dynamically, on demand & real time collected from user, connected or related users of user & 3 rd parties service providers & experts based on questions or queries, survey forms, voice query, structured or free form purchase requirement specifications & via other methods , user accounts including bank or credit card accounts & data, connections, actions, activities, process, interactions, current location, place, events, transactions, status, date & time, monitoring & tracking logs, properties, attributes, characteristics, parameters, features, functions, metadata for dynamically monitoring, tracking, logging, identifying when, why, what, how & why to buy by user(s).

54. A system comprises:

• store dynamic, customize & contextual elements and/or sub-elements & any

combination thereof of when, why, what, where & how to buy by user(s) including taxonomies, ontologies, semantic syntax, dictionary, list, data, rules, rules base & rules based system, relationships, linking or links, graphs and associate dynamic active resources;

• monitor, track, match and/or identify & store, at least one of when, why, what, how & where to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s) by user(s) or in any combination thereof based on or via dynamic element(s) and/or sub-element(s) associate resources, of: o when user want to or expect to buy particular product(s) and/or service(s) and/or type(s) product(s) and/or service(s);

o why user want to buy particular product(s) and/or service(s) and/or type(s) of product(s) and/or service(s);

o what product(s) and/or service(s) and/or type(s) of product(s) and/or service(s) user want to buy;

o where user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s);

o how user can buy product(s) and/or service(s) and/or type(s) of product(s) and/or service(s)

55. The system according to claim 54, wherein active resources comprises applications

56. A method comprising:

• identifying e-commerce, advertising, searching, supplying, retailing, selling, & marketing of products and/or services related 3 rd parties domains, web sites, web pages, portals, applications, services, databases, servers, smart devices, networks, frameworks, sources, platforms and cardholders or users of 3 rd parties domains, web sites, applications & services and associate products and/or services related data, resources and metadata;

• enabling to log-in and/or connect and/or participate and/or communicate and/or integrate and/or subscribe and/or register sources of products and/or services with card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s);

• enabling to synchronizing, storing, integrating, updating, sharing, providing, presenting, presenting, publishing, connecting, sending or allow to access selective or mutually agreed products and/or services associate data, eventually purchased products and/or services data, source(s) or provider(s) associate data, resources and metadata; and

• enabling to allow and/or update allowed and/or dynamically allow products

and/or services and/or non allowable or all other products and/or services to purchase by cardholders or users or customers, add purchased products and/or services to centralize cart or manage purchased products and/or services via card network(s) and/or payments and/or mobile network(s) mediated & managed e- commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), selling products and/or services, making transactions, view selling details, receiving payments or installments deducting commissions, discounts, charges, & fees, managing or updating inventories, credit limits, offers & commission terms & conditions, customer relationships & supports, profile & accounts, adding or updating products and/or services and details of products and/or services via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s).

57. The method according to claim 54, wherein synchronizing selective or mutually agreed products and/or services associate data, resources and metadata are based on pull, push, snapshot, merge & transactional replication or synchronization models based on one or more horizontal and/or vertical filters and/or privacy settings, permissions & preferences of sender(s) and/or receiver(s).

58. The method according to claim 54, wherein associate products and/or services data, resources and metadata including each product(s) and/or service(s) identity, description, name, type, available quantity, price, installments, limits of allowable products and/or services including numbers, credit limits, duration of payment limits, terms, conditions, privacy settings, preferences, agreements, tax, discounts, commissions, revenue sharing, offers, redeemable points, coupons, vouchers.

59. The method according to claim 54, wherein said identifying based on providing or

sending invitation & accepting invitation, receiving request & allowing request, partnership or integration invitation or request, dynamic integration request via API, web services and any types of communication mediums & communication interfaces, verifying and/or validating and/or certifying and/or negotiating and/or processing and/or rating and/or insuring and/or valuing and/or allowing and/or allowing based on permissions, privacy settings & preferences and/or connecting and/or registering and/or subscribing and/or listing, registration, subscription, integration, connections, membership, dynamically connecting, crawling, searching, matching, inviting and/or connecting, clicking on link or button of purchasing, gifting, referring, requesting to allowing to purchase, buying based on credit limits, making payment, adding to shopping cart, adding to wish list for later purchase, invoicing & billing via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), monitoring, tracking & inviting sources to join or connect with card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), request from 3 rd parties including users or customers or cardholders via accessible link or button or message or any other communication mediums & communication interfaces.

60. A system comprises:

• Identify e-commerce, advertising, searching, supplying, retailing, selling, &

marketing of products and/or services related 3 rd parties domains, web sites, web pages, portals, applications, services, databases, servers, smart devices, networks, frameworks, sources, platforms and/or cardholders or users of 3 rd parties domains, web sites, applications & services and/or associate products and/or services related data, resources and metadata;

• enable to log-in and/or connect and/or participate and/or communicate and/or integrate and/or subscribe and/or register sources of products and/or services with card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s);

• enable to synchronize, store, integrate, update, share, provide, present, publish, connect, send or allow to access selective or mutually agreed products and/or services associate data, eventually purchased products and/or services data, source(s0 or provider(s) associate data, resources and metadata; and

• enable to allow and/or update allowed and/or dynamically allow products and/or services and/or non allowable or all other products and/or services to purchase by cardholders or users or customers, add purchased products and/or services to centralize cart or manage purchased products and/or services via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), selling products and/or services, making transactions, view selling details, receiving payments or installments deducting commissions, discounts, charges, & fees, managing or updating inventories, credit limits, offers & commission terms & conditions, customer relationships & supports, profile & accounts, adding or updating products and/or services and details of products and/or services via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s).

61. The system according to claim 60, wherein synchronize selective or mutually agreed products and/or services associate data, resources and metadata are based on pull, push, snapshot, merge & transactional replication or synchronization models based on one or more horizontal and/or vertical filters and/or privacy settings, permissions & preferences of sender(s) and/or receiver(s).

62. The system according to claim 60, wherein associate products and/or services data, resources and metadata includes each product(s) and/or service(s) identity, description, name, type, available quantity, price, installments, limits of allowable products and/or services including numbers, credit limits, duration of payment limits, terms, conditions, privacy settings, preferences, agreements, tax, discounts, commissions, revenue sharing, offers, redeemable points, coupons, vouchers.

63. The system according to claim 60, wherein said identify are based on provide or send invitation & accept invitation, receive request & allow request, partnership,

intergradations, invitation or request, dynamic integration request via API, web services and any types of communication mediums & communication interfaces, verify and/or validate and/or certify and/or negotiate and/or process and/or rate and/or insure and/or value and/or allow and/or allow based on permissions, privacy settings & preferences and/or connect and/or register and/or subscribe and/or list, registered, subscription, integration, connections, membership, dynamically connecting, crawling, searching, matching, inviting and/or connecting, clicking on link or button of purchasing, gifting, referring, requesting to allowing to purchase, buying based on credit limits, making payment, adding to shopping cart, adding to wish list for later purchase, invoicing & billing via card network(s) and/or payments and/or mobile network(s) mediated & managed e-commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), monitoring, tracking & inviting sources to join or connect with card network(s) and/or payments and/or mobile network(s) mediated & managed e- commerce, advertising, supplying & marketing platform(s), web site(s), service(s) & application(s), request from 3 rd parties including users or customers or cardholders via accessible link or button or message or any other communication mediums &

communication interfaces.

The method comprising:

• maintaining information of cardholders or users, products and/or services,

providers of products and/or services and merchants of e-commerce, trading, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s);

• enabling e-commerce, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s) and/or 3^rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to selectively accessing & mining of said maintained information;

• enabling e-commerce, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s) and/or 3 rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to create, define, develop, program, model & update one or more marketing schemes, rule base, work flow, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services;

• enabling to applying, submitting, processing, verifying, validating, registering, certifying, underwriting, rating, valuing, insuring, agreeing, passing, presenting, updating, and accepting said one or more marketing schemes, rule base, work flow, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services; and

• enabling to dynamically presenting, publishing, advertising, listing,

implementing, enabling via orchestration process, scripting, programming instructions, objects, applications, web services, web pages, compiler & rule enabled system, programmatically enabling, updating, hosting, deploying, testing, advertising, applying, accessing, using, administrating, analyzing, simulating, monitoring, reporting, executing, running said one or more marketing schemes, rule base, work flow, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services.

65. The method according to claim 64, wherein based on rule base(s), provided or defined by marketers and/or selected or accepted by cardholder for purchasing products and/or services under that rule base or scheme or process or offer, enabling to dynamically presenting and/or allowing identities, names & numbers or quantities or volume of products and/or services to one or more or group(s) of cardholders for purchase with updated credit limits or credit lines, installments, duration of payments, discounts, offers, bonus, cash backs, rewards, redeemable points, vouchers & coupons, dynamically presenting or associating allowed medium of purchase, location & place of purchase & duration or date and/or time of purchase of allowable products and/or services, dynamically calculating credit limits or credit lines, installments, duration of payments, discounts, offers, bonus, cash backs, rewards, redeemable points, vouchers & coupons, dynamically calculating sharing of revenues, payments, charges, fees and commissions among issuer(s) and/or merchants and/or providers of products and/or services and/or dynamic marketers and/or partners & 3 rd parties service providers, dynamically providing online and/or offline dynamically updated statements including bills & invoices, allowed and purchased products and/or services list, details, prices & transactions, total and/or each provider, product & service related credit limits, duration of payments, payments due, installments, discounts, cash backs, bonus and balanced points, presenting dynamically and/or real or near real time updated statistics, reports, notifications, any types of updates, billing, metering & accounting.

66. The method according to claim 64, wherein maintaining information of cardholder or user comprising user profile including name, identity, login & authentication information, user personnel & business or jobs or occupation or professional details, user connections, user social graph, user accounts, user installed applications, subscribed services, user actions, activities, transactions, sells, purchases, payments, dues, installments, points earned, allowed and/or purchased products & services details, payments, behaviors, interactions, events, status, current location(s) & place(s), near location(s) & place(s) of user's current location(s) & place(s), user generated contents including message stream, automated activities stream, uploaded multimedia data, shared contents, reviews, comments, feedbacks, ranks.

67. The method according to claim 64, wherein maintaining information of products and/or services providers comprising profile including name, identity, login & authentication information, source, details of products and/or services offered including associate discounts, credit limits, offers, installments, redeemable points, coupons, vouchers, cash back offers, & bonus, list & details of products and/or services sold including sells transactions, buyers or cardholder who purchased products and/or services, payments, pending installments & commissions.

68. The method according to claim 64, wherein maintaining information of product and/or service comprising name, identity, description, price, allowed numbers or quantities, list of cardholders to who allowed and/or dynamically presented and/or advertised and/or requested and/or invited, number of product and/or service sold, name of purchaser, quantity or number or volume purchased, associated credit limits or credit line, installments, duration of payments, dynamic rules & conditions of selling, buying, offering, marketing, supplying, e-commerce, advertising & trading, discounts, offers, redeemable points, coupons, vouchers, cash back offers, & bonus, statistics of number of cardholders or users views, clicks, add to wish list, allow to purchase, purchased, purchased from 3 rd parties or external domains.

69. The method according to claim 64, wherein maintaining information of merchants

comprising merchant profile including name, identity, login & authentication

information, personnel & business details, number, name, identity, quantity & amount of products and/or services sold, details, name and identity of cardholders who purchased particular products and/or services in particular quantity and amounts based on particular rules & conditions, inventories of available products and/or services, merchant account(s) including sells, payments, discounts, commissions, revenue.

70. The method according to claim 64, wherein providing web services, Application

programming interface (APIs), accessible button(s), link(s) or Uniform resource identifier(s) (URLs), communication interfaces, applications, services, objects to integrate, invoke, programmatically access, rule base access, access via structured query language (SQL) or other standardize methods of queries, orchestrate, use, mine, aggregate, categories, curate, query, analyze & access data or information of cardholders or users, products and/or services providers, products and/or services and merchants.

71. The method according to claim 64, wherein enabling to integrate, invoke, use & access data of cardholders or users, products and/or services providers, products and/or services and merchants are based on one or more filters, rules, conditions, criteria, privacy settings, preferences, permissions, polices, agreements, invitations, social graphs, numbers, duration ranges and locations & places. rd

72. The method according to claim 64, wherein enabling 3 parties or external developers, service providers, innovators, agents, marketers and providers to monitor, track, log, identify, detect, analyze activities, actions, events, behavior, interactions, transactions, current location(s) & place(s), near location(s) & place(s) of user's current location(s) & place(s), senses, updated user profile & user data including user generated data, message & activities stream, shared data in real or near real time of cardholders and/or providers and/or merchants including sells, purchases, marketing, & payment transactions and use provided comments, & reviews of products and/or services to dynamically create, define, develop, model, calculate, program, update, register, implement, test & execute one or more rules, schemes, offers, rule base, program, product(s) for marketing, selling, trading, ordering, advertising, e-commerce, & supplying of products and/or services within or via or with or in Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s) 330 mediated, managed & billed e- commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415.

73. The method according to claim 64, wherein monitoring, tracking, logging, recording, storing, accounting, auditing dynamically implemented, tested, enabled, applied, used, executed, run said one or more marketing schemes, rule base, rules, polices, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services for providing various status including currently number, name, identity & amount of purchased products and/or services under executed particular scheme or rule base, statistics, account related reporting and calculating & sharing commissions & revenue, improving or updating for better returns, acceptance & performance, targeting to contextual customers, providing status, enabling to reporting, notifying, controlling, management and analysis.

74. The method according to claim 64, wherein dynamic rule base, deals & schemes can based on but not limited to allowed access of selective data of cardholders or users, products and/or services, providers of products and/or services and merchants, numbers of purchasers, amount or purchase orders, cost of products and/or services, number of users in group(s) purchasing, date & time, minimum and/or maximum limits of numbers, amounts & date & time or duration, duration range for accepting deals or purchase under scheme(s), user activities, actions, senses, environment, events, triggers, status, interactions, transactions, user profile information & user data including income range, age, gender, interest, qualification, past history of purchases, identified or current location(s) or place(s) of user(s) or group(s) of users or cardholders, calculations of providing discounts, credit limits, offers, installments, loans, subsidy, grants,

sponsorship, free products and/or services, redeemable points, coupons, vouchers, cash back offers, & bonus, calculation of providing commissions and any combination thereof.

75. The method according to claim 64, wherein enabling 3 rd parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers to dynamically presenting, listing, implementing, scripting or programming, hosting, testing, enabling, applying, accessing, using, executing, running said one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services at 3 rd parties or external domains including web sites, applications, services, networks, databases, smart devices, servers, platforms, exchanges, social networks, and search engines.

76. The method according to claim 64, wherein enabling cardholder to buy, gift, trade, refer, share & re-sell products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.

77. The method according to claim 64, wherein enabling providers and/or merchants to sell, retails, ship, supply, market, advertise, trade, re-sell, offer, dynamically present products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.

78. The system comprises:

• storage medium for storing information of cardholders or users, products and/or services, providers of products and/or services and merchants of e-commerce, trading, retailing, advertising, supplying & marketing platform(s), exchange(s), web site(s), application(s), service(s), and database(s);

• a module configure to identify and/or register 3 rd parties or external marketers, providers of products and/or services, innovators, agents, developers, service providers, associates, affiliates, partners, web sites, applications, services, networks, platforms, trading exchanges, servers, databases, smart devices, e- commerce, retailing, advertising, marketing, supplying & social networking web sites and search engines with dynamic selling, marketing, advertising & supplying platforms(s) to dynamically present, market, sell, purchase, trade, offer, supply, & advertise products and/or services of 3 rd parties or providers of products & services to cardholders or users or account holders of dynamic selling, marketing, advertising & supplying platforms(s) and/or trading exchange(s);

• a module and/or APIs and/or web services are configure to enable to selectively access, query & data mine said maintained information;

• providing an interface(s) for dynamically present said information or search

results based on one or more queries including structured query languages (SQL), data analysis & data mining and enable to dynamically create, define, plan, generate, author, design, compose, visually select & orchestrate, develop, program, script, model & update one or more rule base, work flow, business rules, process & policies, programming instructions and orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s) based on user profile & user data, nodes of networks connectable in network environment, objects, components, controls, applications, web services, connections, social graph, events, triggers, functions, instructions, scripting, web pages, business process, modules, database(s), structure & fields of database(s), templates of rule base, values, expressions, data or object(s) elements, parameters, identities, one or more types of user inputs and selections via controls including auto-fill controls, lists, combo box, menu, calendar, check box, & radio buttons, auto validations, one or more search results based on one or more simple or complex search queries, processing, querying & calculation among/of numbers, amounts, prices, costs, quantities or volume, duration ranges, date & time related to purchases, sells, debits, credits, payments, transactions, installments, commissions, charges, offers, inventories and statistics of identified cardholders and/or products and/or services and/or providers and/or issuers and/or merchants and any combination thereof;

• a module(s) and/or interface(s) configure to apply, submit, present, process,

verify, validate, register, certify, rate, value, update, and accept said one or more generated, defined, modeled, updated, created & programmed rule base, work flow, business rules, process & policies, programming instructions and

orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services

on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s); and

• a module(s) and/or interface(s) configure to dynamically present or publish or advertise or list, implement, enabled via orchestration process, scripting, programming instructions, objects, applications, web services, web pages, compiler & rule enabled system, enabled programmatically, dynamically update, integrate, host, deploy, test, apply, access, use, administrate, analysis, simulate, monitor, report, execute & run said one or more generated, defined, modeled, updated, created & programmed rule base, work flow, business rules, process & policies, programming instructions and orchestration processes for dynamically selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services on/in/by/with/within dynamic selling, marketing, advertising & supplying platform(s) including Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution Network(s)

330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415 and/or e-commerce, advertising & marketing web sites and/or

3 rd parties or external web sites, applications, services, networks, smart devices, platforms, trading exchanges, social networks & search engines.

79. The system according to claim 78, wherein based on rule base(s), provided or defined by marketers and/or selected or accepted by cardholder for purchasing products and/or services under that rule base or scheme or process or offer, enable to dynamically present and/or allow identities, names & numbers or quantities or volume of products and/or services to one or more or group(s) of cardholders for purchase with updated credit limits or credit lines, installments, duration of payments, discounts, offers, bonus, cash backs, rewards, redeemable points, vouchers & coupons, dynamically presenting or associating allowed medium of purchase, location & place of purchase & duration or date and/or time of purchase of allowable products and/or services, dynamically calculating credit limits or credit lines, installments, duration of payments, discounts, offers, bonus, cash backs, rewards, redeemable points, vouchers & coupons, dynamically calculating sharing of revenues, payments, charges, fees and commissions among issuer(s) and/or merchants and/or providers of products and/or services and/or dynamic marketers and/or partners & 3 rd parties service providers, dynamically providing online and/or offline dynamically updated statements including bills & invoices, allowed and purchased products and/or services list, details, prices & transactions, total and/or each provider, product & service related credit limits, duration of payments, payments due, installments, discounts, cash backs, bonus and balanced points, presenting dynamically and/or real or near real time updated statistics, reports, notifications, any types of updates, billing, metering & accounting.

80. The system according to claim 78, wherein maintain or store information or data of

cardholder(s) or user(s) or account holder(s) comprises user profile includes name, identity, login & authentication information, user personnel & business or jobs or occupation or professional details, user connections, user social graph, user accounts, user installed applications, subscribed services, user actions, activities, transactions, sells, purchases, payments, dues, installments, points earned, allowed and/or purchased products & services details, payments, behaviors, interactions, events, status, current location(s) & place(s), user generated contents including message stream, automated activities stream, uploaded multimedia data, shared contents, reviews, comments, feedbacks, ranks.

81. The system according to claim 78, wherein maintain or store information or data of

products and/or services providers comprises profile includes name, identity, login & authentication information, source, details of products and/or services offered including associate discounts, credit limits, offers, installments, redeemable points, coupons, vouchers, cash back offers, & bonus, list & details of products and/or services sold including sells transactions, buyers or cardholder who purchased products and/or services, payments, pending installments & commissions.

82. The system according to claim 78, wherein maintain ort store information or data of product and/or service comprises name, identity, description, price, allowed numbers or quantities, list of cardholders to who allowed and/or dynamically presented and/or advertised and/or requested and/or invited, number of product and/or service sold, name of purchaser, quantity or number or volume purchased, associated credit limits or credit line, installments, duration of payments, dynamic rules & conditions of selling, buying, offering, marketing, supplying, e-commerce, advertising & trading, discounts, offers, redeemable points, coupons, vouchers, cash back offers, & bonus, statistics of number of cardholders or users views, clicks, add to wish list, allow to purchase, purchased, purchased from 3 rd parties or external domains.

83. The system according to claim 78, wherein maintain or store information or data of

merchants comprises merchant profile includes name, identity, login & authentication information, personnel & business details, number, name, identity, quantity & amount of products and/or services sold, details, name and identity of cardholders who purchased particular products and/or services in particular quantity and amounts based on particular rules & conditions, inventories of available products and/or services, merchant account(s) including sells, payments, discounts, commissions, revenue.

84. The system according to claim 78, wherein provide web services, Application

85. The system according to claim 78, wherein enabled to integrate, invoke, use & access data of cardholders or users, products and/or services providers, products and/or services and merchants are based on one or more filters, rules, conditions, criteria, privacy settings, preferences, permissions, polices, agreements, invitations, social graphs, numbers, duration ranges and locations.

86. The system according to claim 78, wherein 3 rd parties or external developers, service providers, innovators, agents, marketers and providers are enabled to monitor, track, log, identify, detect, analyze activities, actions, events, behavior, interactions, transactions, current location(s) & place(s), senses, updated user profile & user data including user generated data, message & activities stream, shared data in real or near real time of cardholders and/or providers and/or merchants including sells, purchases, marketing, & payment transactions and use provided comments, & reviews of products and/or services to dynamically create, define, develop, model, calculate, program, update, register, implement, test & execute one or more rules, schemes, offers, rule base, program, product(s) for marketing, selling, trading, ordering, advertising, e-commerce, & supplying of products and/or services within or via or with or in Payments Network(s) 130 and/or Mobile Service Provider(s) 230 and/or Banks or Financial Institution

Network(s) 330 mediated, managed & billed e-commerce, advertising & marketing platform(s), web site(s), application(s), service(s), database(s), smart device(s) and network(s) 415.

87. The system according to claim 78, wherein monitor, track, log, record, store, account, audit dynamically implemented, tested, enabled, applied, used, executed, run said one or more marketing schemes, rule base, rules, polices, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services for providing various status including currently number, name, identity & amount of purchased products and/or services under executed particular scheme or rule base, statistics, account related reporting and calculating & sharing commissions & revenue, improving or updating for better returns, acceptance & performance, targeting to contextual customers, providing status, enabling to reporting, notifying, controlling, management and analysis

88. The system according to claim 78, wherein dynamic rule base, deals & schemes can

based on but not limited to allowed access of selective data of cardholders or users, products and/or services, providers of products and/or services and merchants, numbers of purchasers, amount or purchase orders, cost of products and/or services, number of users in group(s) purchasing, date & time, minimum and/or maximum limits of numbers, amounts & date & time or duration, duration range for accepting deals or purchase under scheme(s), user activities, actions, senses, environment, events, triggers, status, interactions, transactions, user profile information & user data including income range, age, gender, interest, qualification, past history of purchases, identified or current location(s) or place(s) of user(s) or group(s) of users or cardholders, calculations of providing discounts, credit limits, offers, installments, loans, subsidy, grants,

89. The system according to claim 78, wherein 3^r parties or external developers, service providers, web sites, platforms, innovators, affiliates, associates, agents, marketers and providers are enabled to dynamically present, list, implement, script or program, host, test, enable, apply, access, use, execute, run said one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, ontologies, taxonomies, semantic syntax, databases(s), application(s), object(s), widget(s), web service(s), service(s), calculations, financial product(s), business processes, dynamic deals, offers for selling, marketing, purchasing, trading, advertising, supplying, offering one or more products and/or services at 3 rd parties or external domains including web sites, applications, services, networks, databases, smart devices, servers, platforms, exchanges, social networks, and search engines.

90. The system according to claim 78, wherein cardholders are enable to buy, gift, trade, refer, share & re-sell products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.

91. The system according to claim 78, wherein providers and/or merchants are enable to sell, retails, ship, supply, market, advertise, trade, re-sell, offer, dynamically present products and/or services based on one or more marketing schemes, rule base, rules, polices, contracts, agreements, dynamic & updated rules, financial product(s), business processes, dynamic deals.