WO2008130745A3 - System and method for flexible payment terms - Google Patents

System and method for flexible payment terms Download PDF

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Publication number
WO2008130745A3
WO2008130745A3 PCT/US2008/056547 US2008056547W WO2008130745A3 WO 2008130745 A3 WO2008130745 A3 WO 2008130745A3 US 2008056547 W US2008056547 W US 2008056547W WO 2008130745 A3 WO2008130745 A3 WO 2008130745A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
deferred
consumer
eligible
balance
Prior art date
Application number
PCT/US2008/056547
Other languages
French (fr)
Other versions
WO2008130745A4 (en
WO2008130745A2 (en
Inventor
Mark Ang
Boudhayan Choudhrui
Jessica Kaplan
David Lowy
Gyanesh Narayan
Eric Nielsen
Christine Vega
Original Assignee
American Express Travel Relate
Mark Ang
Boudhayan Choudhrui
Jessica Kaplan
David Lowy
Gyanesh Narayan
Eric Nielsen
Christine Vega
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Express Travel Relate, Mark Ang, Boudhayan Choudhrui, Jessica Kaplan, David Lowy, Gyanesh Narayan, Eric Nielsen, Christine Vega filed Critical American Express Travel Relate
Publication of WO2008130745A2 publication Critical patent/WO2008130745A2/en
Publication of WO2008130745A3 publication Critical patent/WO2008130745A3/en
Publication of WO2008130745A4 publication Critical patent/WO2008130745A4/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.
PCT/US2008/056547 2007-04-17 2008-03-11 System and method for flexible payment terms WO2008130745A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US91231407P 2007-04-17 2007-04-17
US60/912,314 2007-04-17
US11/850,821 2007-09-06
US11/850,821 US8666880B2 (en) 2007-04-17 2007-09-06 System and method for flexible payment terms

Publications (3)

Publication Number Publication Date
WO2008130745A2 WO2008130745A2 (en) 2008-10-30
WO2008130745A3 true WO2008130745A3 (en) 2009-08-20
WO2008130745A4 WO2008130745A4 (en) 2009-09-24

Family

ID=39873189

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/056547 WO2008130745A2 (en) 2007-04-17 2008-03-11 System and method for flexible payment terms

Country Status (2)

Country Link
US (5) US8666880B2 (en)
WO (1) WO2008130745A2 (en)

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Also Published As

Publication number Publication date
US20140310168A1 (en) 2014-10-16
US20080262919A1 (en) 2008-10-23
US8666880B2 (en) 2014-03-04
WO2008130745A4 (en) 2009-09-24
US8799151B2 (en) 2014-08-05
WO2008130745A2 (en) 2008-10-30
US20140136406A1 (en) 2014-05-15
US20090254478A1 (en) 2009-10-08
US8326747B2 (en) 2012-12-04
US20090259548A1 (en) 2009-10-15
US10019697B2 (en) 2018-07-10
US8589284B2 (en) 2013-11-19

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