ПАТЕНТНЫЙ ПОИСК В РФ
НОВЫЕ ПАТЕНТЫ, ЗАЯВКИ НА ПАТЕНТ
БИБЛИОТЕКА ПАТЕНТОВ НА ИЗОБРЕТЕНИЯ

System and method for providing extra lines of credit

Патентный поиск по классам МПК-8:

Класс G06Q40/00 Финансы, например банковское дело, инвестиции или налоги; страхование, например анализ степени риска или страхование пенсий

Класс G06Q30/00 Торговля, например маркетинг, шоппинг, выписывание счетов, аукционы или электронная торговля

Патенты РФ в классе G06Q30/00:
способ, устройство и система для параллельного монтажа рекламы -  патент 2528146
способ и система сетевого предоставления данных и машиночитаемый носитель -  патент 2526706
доставка мобильного контента в сети мобильной связи -  патент 2520412
способ распространения рекламных и информационных сообщений в сети интернет -  патент 2520394
сервисная система беспошлинной торговли на транспортном средстве и способ ее осуществления -  патент 2520389
комплексная система защиты товара от подделок -  патент 2519564
комбинационные аггрегации портфолио в электронной торговле -  патент 2518995
предоставление пользователю специальной информации на основании идентификации тренда -  патент 2516762
способ и система для поддержки торгов в электронной сети -  патент 2504839
система и способ для использования процедуры морфинга в сети распределения информации -  патент 2504085

Класс G07F7/08 кодированной идентификационной или кредитной карточкой

Патенты РФ в классе G07F7/08:
способ повышения безопасности автоматизированной платежной системы -  патент 2507588
продажа и покупка входных билетов с использованием платежного средства с предварительной оплатой -  патент 2484528
способ и аппаратура для безопасной обработки информации, подлежащей защите -  патент 2449377
бортовой билетный терминал -  патент 2435222
система обработки информации, устройство обработки информации, способ обработки информации и носитель записи информации -  патент 2376643
защищенная система с микропроцессорной карточкой, используемая в качестве электронного кошелька -  патент 2328772
способ получения или приобретения услуги, предлагаемой через информационную сеть -  патент 2296367
устройство для расчетов за товары и услуги -  патент 2285296
контроллер универсальной системы контроля доступа по банковским картам -  патент 2253898
система для выполнения операций по взиманию штрафов за нарушение правил дорожного движения и пластиковая карточка для этой системы -  патент 2243590

Классы МПК:G06Q40/00 Финансы, например банковское дело, инвестиции или налоги; страхование, например анализ степени риска или страхование пенсий
G06Q30/00 Торговля, например маркетинг, шоппинг, выписывание счетов, аукционы или электронная торговля
G07F7/08 кодированной идентификационной или кредитной карточкой
Автор(ы): Lilly, Joseph D. (Richmond, VA, US)
Ruh, Colin Jeffrey (Richmond, VA, US)
York, Jeff G. (Richmond, VA, US)
Walker, Philip G. (Midlothian, VA, US)
Патентообладатель(и): Capital One Financial Corporation (McLean, VA, US)
Приоритеты:
подача заявки
02.07.2010
публикация патента
05.02.2013

РЕФЕРАТ (Abstract)

A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line. Additionally, a customer may choose to apply purchases to their extra credit lines or their primary line of credit.
Полный текст Патента US 8370255 + PDF


ФОРМУЛА ИЗОБРЕТЕНИЯ (CLAIMS)

What is claimed is:

1. A method, implemented using a computer, for providing at least one extra credit line to an existing credit card account, comprising: determining, using the computer, a target customer group from a set of customers, wherein each customer in the set of customers holds an existing credit card account issued by a credit card issuer; determining, using the computer, a target time to send an additional financial card product to each customer in the target customer group; defining, by the computer, one or more attributes associated with the additional financial card product; and sending, using the computer, the additional financial card product to each customer in the target customer group at the target time.

2. The method of claim 1, wherein the determination of the target time to send the additional financial card product to each customer in the target customer group includes: analyzing one or more purchases made by at least one customer in the target customer group; and determining the target time based on the one or more purchases.

3. The method of claim 1, further including: defining a first credit limit for the additional financial card product, wherein the first credit limit is based on a second credit limit associated with the primary financial card product.

4. The method of claim 1, wherein defining the one or more attributes further includes: analyzing one or more purchases made by at least one customer in the target customer group; and defining the one or more attributes based on the one or more purchases.

5. The method of claim 1, wherein the one or more attributes includes at least one of an interest rate to apply against purchases made using the additional financial card product, a monthly minimum payment amount, one or more fees, a grace period, and one or more usage limitations.

6. The method of claim 5, wherein the one or more usage limitations includes at least one of an amount-based limitation, a proximity-based limitation, and a vendor-based limitation.

7. The method of claim 5, wherein the one or more fees includes at least one of an activation fee and a transaction fee.

8. The method of claim 1, wherein the primary financial card product is a credit card.

9. A non-transitory computer-readable medium including instructions for performing a method, when executed by a processor, for providing at least one extra credit line to an existing credit card account, the method comprising: determining, using the computer, a target customer group from a set of customers, wherein each customer in the set of customers holds an existing credit card account issued by a credit card issuer; determining, using the computer, a target time to send an additional financial card product to each customer in the target customer group; defining, by the computer, one or more attributes associated with the additional financial card product; and sending, using the computer, the additional financial card product to each customer in the target customer group at the target time.

10. The computer-readable medium of claim 9, wherein the determination of the target time to send the additional financial card product to each customer in the target customer group includes: analyzing one or more purchases made by at least one customer in the target customer group; and determining the target time based on the one or more purchases.

11. The computer-readable medium of claim 9, further including: defining a first credit limit for the additional financial card product, wherein the first credit limit is based on a second credit limit associated with the primary financial card product.

12. The computer-readable medium of claim 9, wherein defining the one or more attributes further includes: analyzing one or more purchases made by at least one customer in the target customer group; and defining the one or more attributes based on the one or more purchases.

13. The computer-readable medium of claim 9, wherein the one or more attributes includes at least one of an interest rate to apply against purchases made using the additional financial card product, a monthly minimum payment amount, one or more fees, a grace period, and one or more usage limitations.

14. The computer-readable medium of claim 13, wherein the one or more usage limitations includes at least one of an amount-based limitation, a proximity-based limitation, and a vendor-based limitation.

15. The computer-readable medium of claim 13, wherein the one or more fees includes at least one of an activation fee and a transaction fee.

16. The computer-readable medium of claim 9, wherein the primary financial card product is a credit card.

17. A system for providing extra credit lines to credit cards with existing lines of credit, comprising: a central processing unit; a memory unit, communicatively connected to the central processing unit and containing instructions that are executed by the central processing unit to perform a method comprising: determining a target customer group from a set of customers, wherein each customer in the set of customers holds an existing credit card account issued by a credit card issuer; determining a target time to send an additional financial card product to each customer in the target customer group; defining one or more attributes associated with the additional financial card product; and sending the additional financial card product to each customer in the target customer group at the target time.

18. The system of claim 17, wherein the determination of the target time to send the additional financial card product to each customer in the target customer group includes: analyzing one or more purchases made by at least one customer in the target customer group; and determining the target time based on the one or more purchases.

19. The system of claim 17, the method further including: defining a first credit limit for the additional financial card product, wherein the first credit limit is based on a second credit limit associated with the primary financial card product.

20. The system of claim 17, wherein defining the one or more attributes further includes: analyzing one or more purchases made by at least one customer in the target customer group; and defining the one or more attributes based on the one or more purchases.

21. The system of claim 17, wherein the one or more attributes includes at least one of an interest rate to apply against purchases made using the additional financial card product, a monthly minimum payment amount, one or more fees, a grace period, and one or more usage limitations.

22. The system of claim 21, wherein the one or more usage limitations includes at least one of an amount-based limitation, a proximity-based limitation, and a vendor-based limitation.

23. The system of claim 21, wherein the one or more fees includes at least one of an activation fee and a transaction fee.

24. The system of claim 17, wherein the primary financial card product is a credit card.


Предыдущий   патент US   Следующий

Наверх