IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
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출원번호 |
US-0338712
(2008-12-18)
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등록번호 |
US-8108279
(2012-01-31)
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발명자
/ 주소 |
- Galit, Scott
- Sorbe, Trent
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 |
피인용 횟수 :
34 인용 특허 :
116 |
초록
▼
Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumer's prior enrollment in a prepaid card program and one or more of the following: the consumer's historical direct deposit data, a
Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumer's prior enrollment in a prepaid card program and one or more of the following: the consumer's historical direct deposit data, and data associated with the consumer's historical behavior in the prepaid card program. The financial institution computer can extend an amount of available credit to the consumer through the line of credit program so that a consumer credit limit is capped through underwriting criteria to ensure that no more than a predetermined percentage of a consumer's historic direct deposit amount is required for minimum repayments. The financial institution computer can farther receive loan repayments over one or more predetermined direct deposit periods and change the consumer credit limit by preselected increments responsive to a change in the consumer's direct deposit amount.
대표청구항
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1. A computer associated with a financial institution defining a financial institution computer to access to a line of credit associated with a prepaid card account, the financial institution computer comprising: an input/output unit for communicating with a plurality of customer access interface de
1. A computer associated with a financial institution defining a financial institution computer to access to a line of credit associated with a prepaid card account, the financial institution computer comprising: an input/output unit for communicating with a plurality of customer access interface devices;one or more processors; andone or more non-transitory memories encoded with computer program, the computer program comprising a set of instructions that, when executed by the one or more processors, perform the operations of:determining whether a consumer has one or more of a plurality of existing prepaid card accounts;determining eligibility for a line of credit account with a financial institution based on the consumer's historical use of the one or more of the plurality of existing prepaid card accounts;establishing a line of credit account associated with the one or more of the plurality of exiting prepaid card accounts responsive to determining the consumer's eligibility, the line of credit account having a total credit limit and adapted 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, the total credit limit being capped through underwriting criteria so that no more than a predetermined percentage of the consumer's historic direct deposit amount to the one or more of the plurality of existing prepaid card accounts is required for a minimum repayment amount;determining a number of separate predetermined loan increments to be added to the one or more of the plurality of existing prepaid card accounts from the line of credit account responsive to receiving a request from one or more of the plurality of customer access interface devices for draws from the line of credit account;loading the one or more of the plurality of existing 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 increments responsive to the loaded increments being equal to or less than an available balance of the line of credit account;determining a total value of a loan advance fee for the loaded increments, the total value being equal to a predetermined loan advance fee multiplied by the number of separate predetermined loan increments, the total value of the loan advance fee being less than a value of the loaded increments;determining a plurality of loan repayment portions for a total loan amount based upon a plurality of predetermined direct deposit periods, the total loan amount defined as the total value of the loan advance fee plus the loaded increments, each of the plurality of loan repayment portions exceeding the minimum repayment amount; anddeducting one of the plurality of loan repayment portions from a direct deposit received in the one or more of the plurality of existing prepaid card account during each of the plurality of predetermined direct deposit periods. 2. A financial institution computer as defined in claim 1, wherein the computer program further comprises instructions that, when executed by the one or more processors, perform the operation of: increasing the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby increase existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 3. A financial institution computer as defined in claim 1, wherein the computer program further comprises instructions that, when executed by the one or more processors, perform the operations of: reducing the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby decrease existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the reduced available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 4. A financial institution computer as defined in claim 1, wherein each of the one of the plurality of loan repayment portions are equal in value; and wherein determining eligibility for the line of credit further includes requiring a minimum age and a government screening process. 5. A financial institution computer as defined in claim 1, wherein the computer program further comprises instructions that, when executed by the one or more processors, perform the operation of canceling a draw from the line of credit account through a call to a customer service center; and wherein the one of the plurality of loan repayment portions are deducted from the directed deposit prior to the direct deposit funds being made available to the consumer. 6. A financial institution computer as defined in claim 1, wherein the financial institution is a federally chartered bank and the line of credit is a bank product. 7. A non-transitory computer-readable medium encoded with a computer program and operable on a computer associated with a financial institution defining a financial institution, the computer program operable to access a line of credit associated with a prepaid card account and comprising instructions that, when executed by the computer, perform the operations of: determining whether a consumer has one or more of a plurality of existing prepaid card accounts;determining eligibility for a line of credit account with a financial institution based on the consumer's historical use of the one or more of the plurality of existing prepaid card accounts;establishing a line of credit account associated with the one or more of the plurality of exiting prepaid card accounts responsive to determining the consumer's eligibility, the line of credit account having a total credit limit and adapted 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, the total credit limit being capped through underwriting criteria so that no more than a predetermined percentage of the consumer's historic direct deposit amount to the one or more of the plurality of existing prepaid card accounts is required for a minimum repayment amount;determining a number of separate predetermined loan increments to be added to the one or more of the plurality of existing prepaid card accounts from the line of credit account responsive to receiving a request from one or more of the plurality of customer access interface devices for draws from the line of credit account;loading the one or more of the plurality of existing 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 increments responsive to the loaded increments being equal to or less than an available balance of the line of credit account;determining a total value of a loan advance fee for the loaded increments, the total value being equal to a predetermined loan advance fee multiplied by the number of separate predetermined loan increments, the total value of the loan advance fee being less than a value of the loaded increments; anddetermining a plurality of loan repayment portions for a total loan amount based upon a plurality of predetermined direct deposit periods, the total loan amount defined as the total value of the loan advance fee plus the loaded increments, each of the plurality of loan repayment portions exceeding the minimum repayment amount. 8. A non-transitory computer-readable medium as defined in claim 7, the computer program further comprising the instruction of: deducting one of the plurality of loan repayment portions from a direct deposit received in the one or more of the plurality of existing prepaid card account during each of the plurality of predetermined direct deposit periods. 9. A non-transitory computer-readable medium as defined in claim 7, the computer program further comprising instruction of: increasing the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby increase existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 10. A non-transitory computer-readable medium as defined in claim 7, the computer program further comprising instruction of: reducing the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby decrease existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the reduced available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 11. A non-transitory computer-readable medium as defined in claim 8, wherein each of the one of the plurality of loan repayment portions are equal in value; and wherein determining eligibility for the line of credit further includes requiring a minimum age and a government screening process. 12. A non-transitory computer-readable medium as defined in claim 7, the computer program further comprising instruction of canceling a draw from the line of credit account through a call to a customer service center; and wherein the one of the plurality of loan repayment portions are deducted from the directed deposit prior to the direct deposit funds being made available to the consumer. 13. A non-transitory computer-readable medium as defined in claim 7, wherein the financial institution is a federally chartered bank and the line of credit is a bank product. 14. A computer-implemented method of accessing a line of credit associated with a prepaid card account, the method comprising the steps of: determining, by a computer associated with a financial institution to define a financial institution computer, whether a consumer has one or more of a plurality of existing prepaid card accounts;determining, by the financial institution computer, eligibility for a line of credit account with the financial institution based on the consumer's historical use of the one or more of the plurality of existing prepaid card accounts;establishing, by the financial institution computer, a line of credit account associated with the one or more of the plurality of exiting prepaid card accounts responsive to determining the consumer's eligibility, the line of credit account having a total credit limit and adapted 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, the total credit limit being capped through underwriting criteria so that no more than a predetermined percentage of the consumer's historic direct deposit amount to the one or more of the plurality of existing prepaid card accounts is required for a minimum repayment amount;determining, by the financial institution computer, a number of separate predetermined loan increments to be added to the one or more of the plurality of existing prepaid card accounts from the line of credit account responsive to receiving a request from one or more of the plurality of customer access interface devices for draws from the line of credit account;loading, by the financial institution computer, the one or more of the plurality of existing 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 increments responsive to the loaded increments being equal to or less than an available balance of the line of credit account; anddetermining, by the financial institution computer, a total value of a loan advance fee for the loaded increments, the total value being equal to a predetermined loan advance fee multiplied by the number of separate predetermined loan increments, the total value of the loan advance fee being less than a value of the loaded increments. 15. A computer-implemented method as defined in 14, the method further comprising: determining, by the financial institution computer, a plurality of loan repayment portions for a total loan amount based upon a plurality of predetermined direct deposit periods, the total loan amount defined as the total value of the loan advance fee plus the loaded increments, each of the plurality of loan repayment portions exceeding the minimum repayment amount. 16. A computer-implemented method as defined in 14, the method further comprising: deducting, by the financial institution computer, one of the plurality of loan repayment portions from a direct deposit received in the one or more of the plurality of existing prepaid card account during each of the plurality of predetermined direct deposit periods. 17. A computer-implemented method as defined in 14, the method further comprising: increasing, by the financial institution computer, the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby increase existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the increased available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 18. A computer-implemented method as defined in 14, the method further comprising: reducing, by the financial institution computer, the total credit limit of the line of credit account by a second number of separate predetermined loan increments to thereby decrease existing available credit for the consumer responsive to a change in the consumer's direct deposit to the one or more the plurality of existing prepaid card accounts, the reduced available credit adapted to be drawn in at least one of the plurality of separate predetermined loan increments. 19. A computer-implemented method as defined in 15, wherein each of the one of the plurality of loan repayment portions are equal in value; wherein determining eligibility for the line of credit further includes requiring a minimum age and a government screening process; and wherein the financial institution is a federally chartered bank and the line of credit is a bank product. 20. A computer-implemented method as defined in 14, the method further comprising canceling a draw from the line of credit account through a call to a customer service center; and wherein the one of the plurality of loan repayment portions are deducted from the directed deposit prior to the direct deposit funds being made available to the consumer.
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