WO2009086111A3 - Computer-implemented methods, program product, and system to enhance banking terms over time - Google Patents

Computer-implemented methods, program product, and system to enhance banking terms over time Download PDF

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Publication number
WO2009086111A3
WO2009086111A3 PCT/US2008/087689 US2008087689W WO2009086111A3 WO 2009086111 A3 WO2009086111 A3 WO 2009086111A3 US 2008087689 W US2008087689 W US 2008087689W WO 2009086111 A3 WO2009086111 A3 WO 2009086111A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
credit
direct deposit
financial institution
program
Prior art date
Application number
PCT/US2008/087689
Other languages
French (fr)
Other versions
WO2009086111A2 (en
Inventor
Scott Galit
Trent Sorbe
Original Assignee
Metabank
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
Priority claimed from US12/338,402 external-priority patent/US8583515B2/en
Priority claimed from US12/338,440 external-priority patent/US8589295B2/en
Application filed by Metabank filed Critical Metabank
Publication of WO2009086111A2 publication Critical patent/WO2009086111A2/en
Publication of WO2009086111A3 publication Critical patent/WO2009086111A3/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • 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
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof

Abstract

Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumer's prior enrollment in a prepaid card program and one or more of the following: the consumer's historical direct deposit data, and data associated with the consumer's historical behavior in the prepaid card program. The financial institution computer can extend an amount of available credit to the consumer through the line of credit program so that a consumer credit limit is capped through underwriting criteria to ensure that no more than a predetermined percentage of a consumer's historic direct deposit amount is required for minimum repayments. The financial institution computer can further receive loan repayments over one or more predetermined direct deposit periods and change the consumer credit limit by preselected increments responsive to a change in the consumer's direct deposit amount.
PCT/US2008/087689 2007-12-21 2008-12-19 Computer-implemented methods, program product, and system to enhance banking terms over time WO2009086111A2 (en)

Applications Claiming Priority (32)

Application Number Priority Date Filing Date Title
US1621307P 2007-12-21 2007-12-21
US61/016,213 2007-12-21
US2997508P 2008-02-20 2008-02-20
US61/029,975 2008-02-20
US3275008P 2008-02-29 2008-02-29
US61/032,750 2008-02-29
US4262408P 2008-04-04 2008-04-04
US4261208P 2008-04-04 2008-04-04
US61/042,624 2008-04-04
US61/042,612 2008-04-04
US5245408P 2008-05-12 2008-05-12
US61/052,454 2008-05-12
US5305608P 2008-05-14 2008-05-14
US61/053,056 2008-05-14
US6055908P 2008-06-11 2008-06-11
US61/060,559 2008-06-11
US8286308P 2008-07-23 2008-07-23
US61/082,863 2008-07-23
US12/338,684 2008-12-18
US12/338,402 2008-12-18
US12/338,584 2008-12-18
US12/338,684 US8818887B2 (en) 2007-12-21 2008-12-18 Computer-implemented methods, program product, and system for micro-loan product management
US12/338,712 US8108279B2 (en) 2007-12-21 2008-12-18 Computer-implemented methods, program product, and system to enhance banking terms over time
US12/338,712 2008-12-18
US12/338,402 US8583515B2 (en) 2007-12-21 2008-12-18 Transfer account systems, computer program products, and associated computer-implemented methods
US12/338,365 2008-12-18
US12/338,440 US8589295B2 (en) 2007-12-21 2008-12-18 Transfer account systems, computer program products, and associated computer-implemented methods
US12/338,645 2008-12-18
US12/338,365 US8055557B2 (en) 2007-12-21 2008-12-18 Transfer account systems, computer program products, and associated computer-implemented methods
US12/338,645 US8108272B2 (en) 2007-12-21 2008-12-18 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US12/338,440 2008-12-18
US12/338,584 US8788414B2 (en) 2007-12-21 2008-12-18 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account

Publications (2)

Publication Number Publication Date
WO2009086111A2 WO2009086111A2 (en) 2009-07-09
WO2009086111A3 true WO2009086111A3 (en) 2009-08-27

Family

ID=40789763

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/US2008/087689 WO2009086111A2 (en) 2007-12-21 2008-12-19 Computer-implemented methods, program product, and system to enhance banking terms over time
PCT/US2008/087660 WO2009086089A2 (en) 2007-12-21 2008-12-19 Computer-implemented methods, program product, and system for micro-loan product management

Family Applications After (1)

Application Number Title Priority Date Filing Date
PCT/US2008/087660 WO2009086089A2 (en) 2007-12-21 2008-12-19 Computer-implemented methods, program product, and system for micro-loan product management

Country Status (2)

Country Link
US (5) US8108279B2 (en)
WO (2) WO2009086111A2 (en)

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US20090287575A1 (en) 2009-11-19
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US20090164363A1 (en) 2009-06-25
US20120109816A1 (en) 2012-05-03
US8494960B2 (en) 2013-07-23
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US8108279B2 (en) 2012-01-31
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