System and method for providing a credit card with multiple...

Details System and method for providing a credit card with multiple... System and method for providing a credit card with multiple...

2000-09-11

2008-07-29

Weisberger, Richard C (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S038000, C705S039000

Reexamination Certificate

active

07406442

ABSTRACT:
A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line.

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patent: 5530232 (1996-06-01), Taylor
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patent: 6119103 (2000-09-01), Basch et al.
patent: 6422462 (2002-07-01), Cohen
Block, Valerie, “Norwest Unit AddsTwists to Cobranding Combination Card Plan Seen as Alternative to Private Labels”, American Banker, Jun. 15, 1994, vol. 159 iss 114 p. 12.
Value Pay Solicitation Materials, including credit card application and disclosure materials, (Feb. 1999), six (6) total pages.
Value One Catalog, (Feb. 1999), sixty-four (64) total pages, including cover and end page of catalog.

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