Patent US6324524B1 successfully refreshed from Google Patents.
US6324524B1
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Method and apparatus for an account level offer of credit and real time balance transfer
Assignee: NEXTCARD A TEXAS LLC LLC
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Filing: 1998-11-03
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Granted: 2001-11-27
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Expires: 2018-11-03
Abstract
Abstract A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant data. The plurality of offers include different required balance transfers. A selected offer is obtained from the applicant.
Inventors
- 👤 Jeremy R. Lent
- 👤 Mary Lent
- 👤 Eric R. Meeks
- 👤 Yinzi Cai
- 👤 Timothy J. Coltrell
- 👤 David W. Dowhan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-03 16:45
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/08; G06Q20/00; G06Q20/08; G06Q20/10; G06Q30/00; G06Q30/02; G06Q30/0207; G06Q30/0239; G06Q40/03
Claims Analysis
Total Claims: 24
Claim 1
Independent Claim
87 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 2
Independent Claim
87 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 3
Independent Claim
89 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 4
Independent Claim
89 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 5
Independent Claim
83 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 6
Independent Claim
83 words
A method of presenting multiple custom offers to an applicant for credit over a network comprising: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 7
Dependent Claim
96 words
A computer program embodied on a carrier wave for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 8
Dependent Claim
96 words
A computer program embodied on a carrier wave for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 9
Dependent Claim
98 words
A computer program embodied on a carrier wve for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 10
Dependent Claim
98 words
A computer program embodied on a carrier wve for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 11
Dependent Claim
92 words
A computer program embodied on a carrier wave for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 12
Dependent Claim
92 words
A computer program embodied on a carrier wave for presenting multiple custom offers to an applicant for credit over a network comprising program code for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 13
Dependent Claim
104 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 14
Dependent Claim
104 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 15
Dependent Claim
106 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 16
Dependent Claim
106 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer; and obtaining a selected offer from the applicant.
Claim 17
Dependent Claim
100 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers inclucde teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 18
Dependent Claim
100 words
A computer program product for presenting multiple custom offers to an applicant for credit over a network, the computer program product being embodied in a computer readable medium and comprising computer instructions for: obtaining a credit report containing applicant data; presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers inclucde teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant; and obtaining a selected offer from the applicant.
Claim 19
Independent Claim
97 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwrier configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer and obtain a selected offer from the applicant.
Claim 20
Independent Claim
97 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwrier configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer and obtain a selected offer from the applicant.
Claim 21
Independent Claim
99 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwriter configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer and obtain a selected offer from the applicant.
Claim 22
Independent Claim
99 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwriter configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score, applicant income and the required balance transfer and obtain a selected offer from the applicant.
Claim 23
Independent Claim
94 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwriter configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant, and to obtain a selected offer from the applicant.
Claim 24
Independent Claim
94 words
A system for presenting multiple custom offers to an applicant for credit over a network comprising: an underwriter configured to obtain a credit report containing applicant data; and an applicant interface configured to present a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include teaser rates and wherein each teaser rate corresponds to a percentage balance transfer required from the applicant, and to obtain a selected offer from the applicant.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2004-11-26 | 2005-05-28 | 2005-11-27 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-11-26 | 2009-05-28 | 2009-11-27 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-11-26 | 2013-05-28 | 2013-11-27 | $7700.00 | Window Closed / Lapsed |