Processing

Please wait...

Settings

Settings

Goto Application

1. WO2002037382 - SYSTEM AND METHOD FOR DETERMINING AND SETTING A MINIMUM PAYMENT FOR SETTLING CHARGED DEBT

Publication Number WO/2002/037382
Publication Date 10.05.2002
International Application No. PCT/US2001/042865
International Filing Date 31.10.2001
Chapter 2 Demand Filed 30.05.2002
IPC
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants
  • CAPITAL ONE FINANCIAL CORPORATION [US]/[US]
Inventors
  • BRYMAN, Evan, Lawrence
Agents
  • GARRETT, Arthur, S.
Priority Data
09/702,74401.11.2000US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM AND METHOD FOR DETERMINING AND SETTING A MINIMUM PAYMENT FOR SETTLING CHARGED DEBT
(FR) SYSTEME ET PROCEDE DESTINES A DETERMINER ET A ETABLIR UN PAIEMENT MINIMUM AFIN DE REGLER UN COMPTE DEBITE
Abstract
(EN)
A system and method are provided for determining and setting a minimum payment for a credit cardholder. The minimum payment amount is determined based on information related to each cardholder or account, such as the outstanding debt balance on the account and/or the past credit performance of the cardholder. The minimum payment determination system environment (30) includes minimum payment grids (40), a billing system (50), a categorizing platform (80) and a computing platform (90). The minimum payment determination system also accesses an account informatin database (10) and a cardholder information database (20) which may be accessed through a communications network (70). The minimum payment information is communicated (60) to cardholder.
(FR)
L'invention concerne un système et un procédé destinés à déterminer et à établir un paiement minimum pour un détenteur de carte de crédit. Ce montant de paiement minimum est déterminé en fonction des informations concernant chaque détenteur de carte ou compte, de sorte que le solde de la dette active sur le compte et/ou les performances de crédit passées du détenteur de carte. L'environnement du système de détermination de paiement minimum (30) comprend des grilles de paiement minimum (40), un système de facturation (50), une plate-forme de catégorisation (80) et un système d'exploitation (90). Le système de détermination de paiement minimum peut accéder à une base de données d'informations de compte (10) et une base de données d'informations de détenteur de carte (20) laquelle peut être accédée via un réseau de communications (70). Les informations de paiement minimum sont ensuite communiquées (60) au détenteur de carte.
Also published as
Latest bibliographic data on file with the International Bureau