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1. (WO2019067111) SEGMENTING MULTIPLE REPAYMENT SCHEMES
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2019/067111 International Application No.: PCT/US2018/047563
Publication Date: 04.04.2019 International Filing Date: 22.08.2018
IPC:
G06F 3/048 (2013.01) ,G06F 17/30 (2006.01) ,G06Q 20/04 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/22 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
3
Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
01
Input arrangements or combined input and output arrangements for interaction between user and computer
048
Interaction techniques based on graphical user interfaces [GUIs]
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
17
Digital computing or data processing equipment or methods, specially adapted for specific functions
30
Information retrieval; Database structures therefor
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
04
Payment circuits
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
22
Payment schemes or models
Applicants:
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. [US/US]; 200 Vesey Street New York, NY 10285-4900, US
Inventors:
BERRY, James, N.; US
CHWAST, Jeffrey, A.; US
DUA, Arvind; US
HAYDEN, Philip, B.; US
JABBAR, Jahanzeb; US
KILARU, Sireesh, B.; US
SANABRIA, Michael, L.; US
Agent:
SOBELMAN, Howard, I.; US
Priority Data:
15/715,92026.09.2017US
Title (EN) SEGMENTING MULTIPLE REPAYMENT SCHEMES
(FR) SEGMENTATION DE MULTIPLES SCHÉMAS DE REMBOURSEMENT
Abstract:
(EN) A consumer may view a transaction account statement in a GUI. The transaction account issuer may utilize batch processed data and real time data to determine an eligibility for fixed fee payment plans. The consumer may be presented with the option to place a single transaction into a fixed fee payment plan by selecting the transaction. The fixed fee payment plan may comprise a fixed monthly cost. The monthly cost may be calculated to be equal to or less than the amount the consumer would pay if the transaction were subject to the transaction account APR. The transaction account may have a minimum amount due for the fixed fee payment plan and a minimum amount due for the revolving APR balance each month.
(FR) Un consommateur peut visualiser une déclaration de compte de transaction dans une interface utilisateur graphique (GUI). L'émetteur de compte de transaction peut utiliser des données traitées par lot et des données en temps réel pour déterminer une éligibilité pour des plans de paiement de frais fixes. L'option pour placer une transaction unique dans un plan de paiement de frais fixes en sélectionnant la transaction peut être présentée au consommateur. Le plan de paiement de frais fixes peut comprendre un coût mensuel fixe. Le coût mensuel peut être calculé de façon à être inférieur ou égal au montant que le consommateur paierait si la transaction a été soumise à l'APR de compte de transaction. Le compte de transaction peut avoir un montant minimal dû pour le plan de paiement de frais fixes et un montant minimal dû pour l'équilibre d'APR rotatif chaque mois.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)