최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0686498 (2010-01-13) |
등록번호 | US-8095459 (2012-01-10) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 1 인용 특허 : 409 |
Methods and systems for providing flexible financing are disclosed. In one embodiment, the present invention relates to a business card product with a customer activated credit line extension for accommodating large ticket purchases where the credit line extension may be linked to other business loa
Methods and systems for providing flexible financing are disclosed. In one embodiment, the present invention relates to a business card product with a customer activated credit line extension for accommodating large ticket purchases where the credit line extension may be linked to other business loan/lease products so that balances may be transferred to a customer's preferred financing product (or products). The purchases may be considered secured or unsecured loans/leases that may be capitalized as well as appreciate and depreciate in value. The purchases may include various types of revenue producing property, such as computer, office equipment, office furniture, copiers, farm equipment, and other types of revenue producing property.
1. A computer implemented method for providing customer initiated flexible financing for one or more purchases, wherein the method is executed by a programmed computer processor, the method comprising the steps of: issuing a card product to a customer for financing a plurality of products and servic
1. A computer implemented method for providing customer initiated flexible financing for one or more purchases, wherein the method is executed by a programmed computer processor, the method comprising the steps of: issuing a card product to a customer for financing a plurality of products and services, including at least one revenue producing property;analyzing one or more financing options available to the customer prior to a purchase of the at least one revenue producing property using the programmed computer processor;authorizing a future purchase of the at least one revenue producing property to enable the customer to purchase the at least one revenue producing property with the card product, wherein the card product provides the ability to make a combination of an online purchase, phone order purchase and merchant location purchase;receiving a customer contact after the purchase is made for designating one or more of the one or more financing options available to the customer for financing of the at least one revenue producing property, wherein the one or more financing options comprise one or more of installment loan, asset-backed loan, line of credit, product lease and equipment lease;transferring a balance attributed to the card product to one or more designated financing options; andtransforming the purchase into a secured loan secured by the at least one revenue producing property or an unsecured loan. 2. The method of claim 1, wherein the purchase is made with one or more of a password and identifier representative of the card product. 3. The method of claim 1, wherein the customer contact is received within 5 days after the purchase is made. 4. The method of claim 1, wherein the customer contact further comprises executing one or more loan documents. 5. The method of claim 1, further comprising the step of: generating an optimal financial plan specific to the customer for financing the future purchase. 6. The method of claim 1, wherein the at least one revenue producing property comprises at least one of computers, copiers, machinery and equipment. 7. The method of claim 1, wherein the at least one revenue producing property comprises property that is capitalized for a business. 8. The method of claim 1, wherein the purchase reverts to a default product if the customer fails to perfect the purchase of the at least one revenue producing property wherein the default product is unsecured. 9. A system for providing customer, initiated flexible financing for one or more purchases, the system comprising: a programmed computer processor;a card issuing module configured to issue a card product to a customer for financing a plurality of products and services, including at least one revenue producing property:a financing module configured to analyze one or more financing options available to the customer prior to a purchase of the at least one revenue producing property;an authorizing module configured to authorize a future purchase of the at least one revenue producing property to enable the customer to purchase the at least one revenue producing property with the card product, wherein the card product provides the ability to make a combination of an online purchase, phone order purchase and merchant location purchase; anda designating module configured to receive a customer contact after the purchase is made for designating one or more of the one or more financing options available to the customer for financing options comprise one or more of installment loan, asset-backed loan, line of credit, product lease and equipment lease;for transferring a balance attributed to the card product to one or more designated financing options; andfor transforming the purchase into a secured loan secured by the at least one revenue producing property or an unsecured loan. 10. The system of claim 9, wherein the purchase is made with one or more of a password and identifier representative of the card product. 11. The system of claim 9, wherein the customer contact is received within 5 days after the purchase is made. 12. The system of claim 9, wherein the customer contact further comprises executing one or more loan documents. 13. The system of claim 9, wherein an optimal financial plan is generated specific to the customer for financing the future purchase. 14. The system of claim 9, wherein the at least one revenue producing property comprises at least one of computers, copiers, machinery and equipment. 15. The system of claim 9, wherein the at least one revenue producing property comprises property that is capitalized for a business. 16. The system of claim 9, wherein the purchase reverts to a default product if the customer fails to perfect the purchase of the at least one revenue producing property wherein the default product is unsecured.
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