System and method for managing dedicated use of a credit account
First Claim
Patent Images
1. A method for managing dedicated use of a credit account, comprising:
- receiving information regarding a credit account, the credit account associated with a customer;
associating the credit account with a usage program, the usage program comprising one or more terms of dedicated use, the terms of dedicated use associated with providing a benefit to the customer in return for dedicated use of the credit account, the dedicated use of the credit account comprising a predetermined level of usage of the credit account by the customer in relation to one or more other credit accounts associated with the customer;
providing the benefit to the customer according to the terms of dedicated use;
using one or more computer processors, monitoring over a period of time credit activity corresponding to the credit account and activity corresponding to the one or more other credit accounts to determine if the monitored credit activity satisfies the terms of dedicated use; and
maintaining the benefit if the monitored credit activity satisfies the terms of dedicated use.
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Abstract
A method of managing dedicated use of a credit account is provided. The method includes receiving information regarding a credit account, associating the credit account with a usage program, where the usage program includes terms of dedicated use and where the terms of dedicated use are associated with providing benefits to the customer in return for dedicated use of the credit account, providing a benefit to the customer according to the terms, monitoring credit activity corresponding to the credit account, and maintaining the benefit if the monitored credit activity satisfies the terms of dedicated use.
140 Citations
14 Claims
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1. A method for managing dedicated use of a credit account, comprising:
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receiving information regarding a credit account, the credit account associated with a customer; associating the credit account with a usage program, the usage program comprising one or more terms of dedicated use, the terms of dedicated use associated with providing a benefit to the customer in return for dedicated use of the credit account, the dedicated use of the credit account comprising a predetermined level of usage of the credit account by the customer in relation to one or more other credit accounts associated with the customer; providing the benefit to the customer according to the terms of dedicated use; using one or more computer processors, monitoring over a period of time credit activity corresponding to the credit account and activity corresponding to the one or more other credit accounts to determine if the monitored credit activity satisfies the terms of dedicated use; and maintaining the benefit if the monitored credit activity satisfies the terms of dedicated use. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for providing a dedicated credit account, comprising:
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providing a credit card customer with a credit account; using one or more computer processors, associating the credit account with a usage program, the usage program comprising one or more terms of dedicated use, the terms of dedicated use associated with providing a benefit to the customer in return for dedicated use of the credit account, the dedicated use of the credit account comprising a predetermined level of usage of the credit account by the customer in relation to one or more other credit accounts associated with the customer; and providing the benefit to the customer if, over a period of time, monitored credit activity corresponding to the credit account satisfies the terms of dedicated use, wherein activity corresponding to the one or more other credit accounts is monitored. - View Dependent Claims (11, 12, 13, 14)
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Specification