Method and system for the issuance of instant credit

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United States of America Patent

PATENT NO 9898780
SERIAL NO

14498267

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Abstract

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A method and system for the issuance of Instant Credit has an Instant Credit engine that performs instantaneous analyses. The method and system can operate along side existing “batch” processes. In addition, the method and system offer various channels of distribution for the Instant Credit products. With the present invention, Instant Credit and other Instant services (e.g., instant account balance transfers, etc.) can be obtained via, Internet, point-of-sale and other distribution channels. The present system also enables highly dynamic product offerings, which can be generated “instantaneously” based on a variety of factors, such as, for example, the channels of distribution (e.g., telephone or Internet), the product sought and/or even the particular individual and/or entity that is applying for a line of credit.

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Patent Owner(s)

  • CITIBANK, N.A.

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bornhofen, Bob Peachtree City, US 2 63
Bray, David Hagerstown, US 13 215
Byrne, Luke Green Cove Springs, US 2 63
Cheeseman, Mark Martinsburg, US 2 63
Elder, Richard New York, US 10 279
Feight, Richard Sioux Falls, US 2 63
Pinnola, Kathleen Hill Middletown, US 2 63
Quinlan, Ray Fairfield, US 2 63
Shimshi, Faye Plainview, US 2 63

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