Installment purchase card and related systems and methods...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

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C705S017000, C707S793000

Reexamination Certificate

active

07606764

ABSTRACT:
Systems and methods for making installment based credit purchase. A consumer may access a network interface to see how a contemplated purchase will affect their existing obligations on the account under a variety of repayment options. When approving a purchase request from a retailer, the system will determine if the purchase qualifies for installment repayment based on price and type of product/service. If the purchase qualifies and if the consumer's account will support the purchase, the user will be presented with a variety of repayment options. The purchase will be authorized at the selected repayment option.

REFERENCES:
patent: 6950807 (2005-09-01), Brock
patent: 2002/0194122 (2002-12-01), Knox et al.
patent: 2003/0126036 (2003-07-01), Mascavage et al.
patent: 2004/0236652 (2004-11-01), Heiges et al.
patent: 2006/0149664 (2006-07-01), Smyth et al.

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