Systems, methods, and computer-readable media for providing a billing statement including incentives for mailing timely payments
First Claim
1. A computerized method for managing a financial account of a cardholder, comprising:
- defining one or more attributes associated with the financial account, the one or more attributes comprising information on one or more incentives for a billing statement for the financial account;
sending the cardholder the billing statement, wherein the billing statement includes one or more incentives for one or more children related to the cardholder depending on the one or more attributes of the financial account.
1 Assignment
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Accused Products
Abstract
Systems, methods, and computer-readable media provide mechanisms to manage a financial account of a cardholder by defining one or more attributes associated with the financial account. The one or more attributes comprising information on one or more incentives for a billing statement for the financial account. A cardholder or other individual associated with the financial account may then be sent the billing statement, wherein the billing statement includes one or more incentives, such as incentives for one or more children of the cardholder or other individuals related to the cardholder (such as a spouse, a grandparent, etc.). The incentives may be conditioned on and used for encouraging timely payment by the cardholder.
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Citations
50 Claims
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1. A computerized method for managing a financial account of a cardholder, comprising:
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defining one or more attributes associated with the financial account, the one or more attributes comprising information on one or more incentives for a billing statement for the financial account;
sending the cardholder the billing statement, wherein the billing statement includes one or more incentives for one or more children related to the cardholder depending on the one or more attributes of the financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A computerized method for managing a financial account of a cardholder, comprising:
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defining one or more attributes associated with the financial account, the one or more attributes comprising information on incentives for a billing statement for the financial account;
monitoring the financial account to identify a late payment by the cardholder on the financial account; and
sending the cardholder the billing statement, wherein the billing statement includes incentives depending on whether a late payment is identified, and further wherein the incentives included with the billing statement comprise incentives for at least one individual related to the cardholder. - View Dependent Claims (23, 24, 25, 26, 27, 28)
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29. A system managing a financial account of a cardholder, the system comprising:
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a component for defining one or more attributes associated with the financial account, the one or more attributes comprising information on one or more for a billing statement for the financial account;
a component for sending the cardholder the billing statement, wherein the billing statement includes one or more for one or more children related to the cardholder depending on the one or more attributes of the financial account. - View Dependent Claims (30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49)
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50. A computer-readable medium which stores a set of instructions which when executed performs a method for providing a financial card to at least one recipient for a consumer, the method comprising:
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defining one or more attributes associated with the financial account, the one or more attributes comprising information on one or more incentives for a billing statement for the financial account;
sending the cardholder the billing statement, wherein the billing statement includes one or more incentives for one or more children related to the cardholder depending on the one or more attributes of the financial account.
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Specification