Computer-implemented methods, program product, and system for micro-loan product management
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United States of America Patent
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Aug 26, 2014
Grant Date -
Jun 25, 2009
app pub date -
Dec 18, 2008
filing date -
Dec 21, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
Embodiments of the present invention include methods, program product and systems for card and bank product management. An embodiment of a method of advancing funds to a banking customer, for example, includes establishing a line of credit with a bank through an on-line access interface with the bank, determining whether access to funds through the line of credit should occur for a customer transaction and providing one or more preselected increments of funds for the customer transaction. A cumulative amount of the one or more preselected increments, for example, can be less than a total available line of credit for a customer having an established line of credit with the bank. The method further includes decrementing the total available line of credit by the cumulative amount of the one or more preselected increments provided for the customer transaction and a predetermined fee amount for each preselected increment of funds.
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