IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0417199
(2009-04-02)
|
등록번호 |
US8065187
(2011-11-07)
|
발명자
/ 주소 |
- Ahlers, Rebecca
- Crowe, Andrew B.
- Galit, Scott H.
- Sorbe, Trent
|
출원인 / 주소 |
|
대리인 / 주소 |
|
인용정보 |
피인용 횟수 :
33 인용 특허 :
107 |
초록
▼
A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is acce
A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the prepaid card is loaded with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for the line of credit balance available is determined, accounting for value loaded onto the prepaid card and a preselected loan advance fee for each loan increment loaded onto the prepaid card.
대표청구항
▼
The invention claimed is: 1. A system to allow a prepaid card user to access a line of credit coupled to a prepaid card account when using a prepaid card, the system comprising:a computer associated with a lending institution defining a lending institution computer, the lending institution computer
The invention claimed is: 1. A system to allow a prepaid card user to access a line of credit coupled to a prepaid card account when using a prepaid card, the system comprising:a computer associated with a lending institution defining a lending institution computer, the lending institution computer configured to control access to a plurality of prepaid card accounts associated with the lending institution and being associated with an electronic communications network; andnon-transitory computer memory encoded with computer program operable on the lending institution computer, computer program comprising:a first computer program to extend a line of credit coupled to at least one of the plurality of prepaid card accounts defining an incremental line of credit qualifying module, the incremental line of credit qualifying module comprising the instructions ofprequalifying, by the lending institution computer, a prepaid card user for a line of credit to be coupled to at least one of the plurality of prepaid card accounts associated with the lending institution responsive to consumer underwriting data and predetermined qualification parameters, andestablishing the line of credit coupled to the at least one of the plurality of the prepaid card accounts responsive to approval of the line of credit, the line of credit having a total credit limit and to be drawn in at least one of a plurality of separate predetermined loan increments each being equal in value and less than the total credit limit, anda second computer program to allow one or more draws to the line of credit in one or more of the plurality of separate predetermined loan increments when using a prepaid card, the second computer program defining an incremental line of credit dispensing module and comprising the instructions of:determining, by the lending institution computer responsive to receipt of transaction data, when a prepaid card associated with the at least one of the plurality of the prepaid card accounts is being used as payment for a proposed purchase and when a value of the proposed purchase is greater than a value associated with the at least one of the plurality of the prepaid card accounts,determining, by the lending institution computer, responsive to the value of the proposed purchase being greater than the value associated with at least one of the plurality of the prepaid card accounts, a number of separate predetermined loan increments to be added to the value associated with at least one of the plurality of the prepaid card accounts so that the number of separate predetermined loan increments multiplied by the value of one of the plurality of separate predetermined loan increments plus the value associated with the at least one of the plurality of prepaid card accounts exceeds the value of the proposed purchase by less than the value of one of the plurality of separate predetermined loan increments,loading, by the lending institution computer, the at least one of the plurality of the prepaid card accounts with at least one of the plurality of separate predetermined loan increments that corresponds with the number of separate predetermined loan increments to thereby define loaded predetermined increments when the loaded predetermined increment and a total value of a predetermined loan advance fee corresponding thereto collectively do not exceed the a line of credit balance available, the total value of the predetermined loan advance fee being equal to the predetermined loan advance fee multiplied by the number of separate predetermined loan increment,deducting, by the lending institution computer, the value of the proposed purchase from the value associated with the at least one of the plurality of the prepaid card accounts responsive to the loading step, the difference between the value of the purchase and the value associated with the prepaid card account being no greater than the value of one of the plurality of separate predetermined loan increments,determining, by the lending institution computer, a new value of the line of credit balance available, the new value being a previous value of the line of credit balance available minus the loaded predetermined increments to the at least one of the plurality of the prepaid card accounts and minus the total value of the predetermined loan advance fee, anddetermining, by the lending institution computer, a new value of a line of credit balance, the new value being a previous value of the line of credit balance plus the loaded predetermined increments loaded to the prepaid card account plus the total value of the predetermined loan advance fee, the total value of the predetermined loan advance fee being less than the loaded predetermined increments loaded to the at least one of the plurality of prepaid card accounts.
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