发明名称 |
Online interactive and partner-enhanced credit card |
摘要 |
An on-line interactive and partner-enhanced credit card application system is disclosed. The system utilizes partner-supplied data of an applicant in credit decision. The system structures an on-line credit card application interactively with a tree-type series of questions and answers such that the next set of questions are based on the answers given. The system offers an appropriate bounty to a partner by the credit card issuer based on the data supplied by the partner and obtained during the interactive questions and answers. The system enables a credit card issuer to make an optimum product offer such as pricing and credit line assignment. The system offers commercial incentives, and utilizes the partner-supplied data during a statement process to generate further revenue and ensure cardholder retention.
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申请公布号 |
US8489497(B1) |
申请公布日期 |
2013.07.16 |
申请号 |
US20060275777 |
申请日期 |
2006.01.27 |
申请人 |
NOVAK CHRISTOPHER S.;D'ANGELO MICHAEL;GIANCOLA TOM;JPMORGAN CHASE BANK, N.A. |
发明人 |
NOVAK CHRISTOPHER S.;D'ANGELO MICHAEL;GIANCOLA TOM |
分类号 |
G06Q40/02 |
主分类号 |
G06Q40/02 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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