SYSTEMS AND METHODS FOR PROVIDING A SEPARATE INTEREST RATE FOR AN INDIVIDUAL TRANSACTION
3 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
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Citations
40 Claims
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1-20. -20. (canceled)
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21. A system for providing a service associated with an account, the system comprising:
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one or more memory devices storing instructions; and one or more processors configured to execute instructions to; maintain an account associated with a customer and a client device, the account comprising a first account balance and a first interest rate; determine whether the account is eligible for a separate interest rate service offer based on a first offer activation criteria, the first offer activation criteria being associated with the separate interest rate service offer, and the separate interest rate offer being associated with a second interest rate different from the first interest rate; if it is determined that the account is eligible for a separate interest rate service offer; provide, via a communication network, the separate interest rate service offer to the client device; receive a separate interest rate selection from the client device, the separate interest rate selection identifying the second interest rate; determine, based on the separate interest rate selection, a second account balance to which the second interest rate is to be applied; and maintain the first account balance and the second account balance separately. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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39. A method for providing a service associated with an account, the method comprising:
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maintaining an account associated with a customer and a client device, the account comprising a first account balance and a first interest rate; determining whether the account is eligible for a separate interest rate service offer based on a first offer activation criteria, the first offer activation critera being associated with the separate interest rate service offer, and the separate interest rate offer being associated with a second interest rate different from the first interest rate; in response to determining that the account is eligible for a separate interest rate service offer; providing, via a communication network, the separate interest rate service offer to the client device; receiving a separate interest rate selection from the client device, the separate interest rate selection identifying the second interest rate; determining, based on the separate interest rate selection, a second account balance to which the second interest rate is to be applied; and maintaining the first account balance and the second account balance separately.
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40. A non-transitory computer-readable medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform operations for providing a service associated with an account, the operations comprising:
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maintaining an account associated with a customer and a client device, the account comprising a first account balance and a first interest rate; determining whether the account is eligible for a separate interest rate service offer based on a first offer activation criteria, the first offer activation critera being associated with the separate interest rate service offer, and the separate interest rate offer being associated with a second interest rate different from the first interest rate; in response to determining that the account is eligible for a separate interest rate service offer; providing, via a communication network, the separate interest rate service offer to the client device; receiving a separate interest rate selection from the client device, the separate interest rate selection identifying the second interest rate; determining, based on the separate interest rate selection, a second account balance to which the second interest rate is to be applied; and maintaining the first account balance and the second account balance separately.
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Specification