Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Jul 3, 2012
Grant Date -
Jun 14, 2012
app pub date -
Dec 19, 2011
filing date -
Mar 19, 2009
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
Systems, computer program products, and computer-implemented methods apply or otherwise make available new credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of a customer based on expected tax refund amounts. A computerized estimate of the tax refund available from a tax return of the customer is formed. A portion of the computerized estimate of the tax refund which can be made available as the line of credit is then determined. The existing line of credit is then adjusted based on the expected refund determined to be available, which will serve as an additional source of repayment for the line of credit. One or more of several adjustments may then be made to an existing line of credit. The invention may be implemented as a computerized process, a computer system or a computer program product.
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