Online interactive and partner-enhanced credit card
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United States of America Patent
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Jul 16, 2013
Grant Date -
N/A
app pub date -
Jan 27, 2006
filing date -
Jan 27, 2006
priority date (Note) -
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Abstract
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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