Online interactive and partner-enhanced credit card
US8489497B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 27, 2006 |
| Grant date | Jul 16, 2013 |
| Priority date | — |
| Expiry date | Feb 15, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An on-line interactive and partner-enhanced credit card application system is disclosed. The system utilizes partner-supplied data of an applicant in credit decision. The system structures an on-line credit card application interactively with a tree-type series of questions and answers such that the next set of questions are based on the answers given. The system offers an appropriate bounty to a partner by the credit card issuer based on the data supplied by the partner and obtained during the interactive questions and answers. The system enables a credit card issuer to make an optimum product offer such as pricing and credit line assignment. The system offers commercial incentives, and utilizes the partner-supplied data during a statement process to generate further revenue and ensure cardholder retention.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.