发明名称 |
Method and system for automatically collecting payment for a credit account |
摘要 |
A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days. |
申请公布号 |
US8762262(B1) |
申请公布日期 |
2014.06.24 |
申请号 |
US200210236506 |
申请日期 |
2002.09.06 |
申请人 |
Capital One Financial Corporation |
发明人 |
Rosenblatt Charles A.;Hobbs Tyler C.;Rotman Frank L. |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
Hunton & Williams LLP |
代理人 |
Hunton & Williams LLP |
主权项 |
1. A method for automatically collecting payment for a credit account, comprising:
identifying a consumer that has a negative credit history; offering an automatic payment service to the consumer; using one or more computer processors to link the credit account with a deposit account before a credit account delinquency occurs; utilizing a data management system to determine if the credit account is delinquent; determining the number of days the credit account is delinquent after a first due date; utilizing the data management system to automatically collect a first amount from the deposit account if the number of days the credit account is delinquent is at least a first number; automatically crediting the credit account the first amount; and if the credit account is not delinquent after the first due date, setting a second due date, the second due date occurring after the first due date.
|
地址 |
McLean VA US |