Patent attributes
A method is disclosed that includes receiving a request for a transaction from a customer at a seller server system via an electronic-commerce website and identifying a customer account stored at the seller server system based on an identity of the customer. A plurality of financial instruments is associated with the customer account. The plurality of financial instruments has a customer-specific sequence including at least a first financial instrument pre-selected by the customer and a second financial instrument. The method includes automatically attempting to collect a particular payment associated with the transaction from a first financial service provider corresponding to the first financial instrument and automatically attempting to collect the particular payment from a second financial service provider corresponding to the second financial instrument in response to data received at the seller server system indicating a denial of the payment.
