초록 ▼

A system and method uses customer information collected by a sponsoring organization, such as a hotel, to request and pre-approve a line of credit for a customer with an issuing bank prior to the anticipated arrival of the customer at the facilities of the sponsoring organization. In one embodiment,

A system and method uses customer information collected by a sponsoring organization, such as a hotel, to request and pre-approve a line of credit for a customer with an issuing bank prior to the anticipated arrival of the customer at the facilities of the sponsoring organization. In one embodiment, the anticipated arrival of a potential customer is identified when the customer makes a reservation for future services or registers for attendance at a future event. Preferably, the credit card is instantly issued to the customer and activated by the sponsoring organization on behalf of the customer as part of a chargeable event while the customer is at the facilities of the sponsoring organization. The sponsoring organization may opt to offer the issuing bank a guarantee of coverage over the line of credit extended by the issuing bank. Also, customers may choose the incentive benefits they wish to receive from using the line of credit.

대표청구항 ▼

[ We claim:] [1.] A credit requesting system comprising:means for receiving a reservation for future services from a customer;means for creating in a central facility a first data record including information about the customer;means for transmitting the customer information to a credit provider as

[ We claim:] [1.] A credit requesting system comprising:means for receiving a reservation for future services from a customer;means for creating in a central facility a first data record including information about the customer;means for transmitting the customer information to a credit provider as part of a request for a line of credit for the customer;means for receiving from the credit provider an indication whether the line of credit has been approved for the customer; andmeans for creating a second data record indicating a credit status for the customer.