Method and system for issuing a secured credit card
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United States of America Patent
Stats
-
Sep 7, 1999
Grant Date -
N/A
app pub date -
Dec 3, 1996
filing date -
Dec 3, 1996
priority date (Note) -
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status (Latency Note)
Importance
Abstract
A computer-implemented method for issuing a credit card to a customer who has difficulty qualifying for unsecured credit or who requests a secured credit card. A card request input is received indicating that a customer has made a request for a credit card, and, in response, a credit card account with an initial credit limit is created for the customer. The initial credit limit is stored by computer. A credit card us issued to the customer before receipt of an indication of a deposit to a savings account to secure the credit card. A balance of the savings account is periodically monitored by computer for an initial deposit, and a new credit limit is computed when the initial deposit has been made.
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