System and method for offering and providing secured credit card products
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Dec 12, 2000
Grant Date -
N/A
app pub date -
Sep 3, 1999
filing date -
Sep 3, 1999
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A system and method is provided for offering and providing secured credit card products. The disclosed systems and method provide a secured credit card product that is offered to a select group of potential customers. The offer may indicate both the required security deposit and the maximum credit limit that the customer may qualify for in exchange for the security deposit. When each customer response to the offer is received, the actual credit limit for the secured credit card is determined based on the individual's credit history and other credit-related factors. After determining the credit limit, a customer account is established and the customer is notified of his/her new account. This notification may include providing the new account number, credit limit and other pertinent account information, as well as issuing one or more secured credit cards represented with plastic card-like members.
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