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Consolidating debt without reuning your credit

All transactions through any CET web site are executed and managed by the financial management system. 60/926,619, entitled “Payment method and system for online and offline transactions,” filed Apr.Merchants may customize their web sites to include a branded look and feel. 27, 2007, the content of which is hereby incorporated by reference.This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.The financial management system handles all transactions and data storage on behalf of merchants.One possible implementation of the CET service is by a small business that is part of the CET service.

The funds are transferred to the account 104 by the user with no sharing of information, such as information regarding other user accounts, or user creditors, etc.

Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service).

According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants.

is a block diagram illustrating an embodiment of a centralized electronic transaction (CET) service, which provides improved settlement time over existing payment methods, according to an embodiment.

All transactions through any CET web site are executed and managed by the financial management system.

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