System and method for providing instant-decision, financial network-based payment cards
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United States of America Patent
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Sep 27, 2011
Grant Date -
May 6, 2010
app pub date -
Jan 5, 2010
filing date -
Jul 25, 2003
priority date (Note) -
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status (Latency Note)
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Abstract
A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.
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