Method and system for managing a mortgage rebate transaction...

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

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S039000, C705S014270

Reexamination Certificate

active

10989229

ABSTRACT:
A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for application of the mortgage rebate amount against a mortgage loan balance for the cardholder. The account is provided by the transaction card provider in connection with either a pre-existing mortgage loan of the cardholder or a prospective mortgage loan of the cardholder. Further, the account can be provided in connection with a mortgage loan from any mortgage lender regardless of the existence or non-existence of an affiliation or association between the transaction card provider and the mortgage lender.

REFERENCES:
patent: 5970480 (1999-10-01), Kalina
patent: 6222914 (2001-04-01), McMullin
patent: 6243688 (2001-06-01), Kalina
patent: 6631358 (2003-10-01), Ogilvie
patent: 7072851 (2006-07-01), Wilcox et al.
patent: 2001/0044772 (2001-11-01), Allen et al.
patent: 2001/0054003 (2001-12-01), Chien et al.
patent: 2002/0069150 (2002-06-01), Ni
patent: 2002/0096561 (2002-07-01), Sullivan
patent: 2002/0147669 (2002-10-01), Taylor et al.
patent: 2002/0161630 (2002-10-01), Kern et al.
patent: 2003/0135442 (2003-07-01), Kumar et al.
patent: 2003/0191702 (2003-10-01), Hurley
patent: 2003/0225688 (2003-12-01), Dobbins
patent: WO 02/065246 (2002-08-01), None
patent: WO 03/098495 (2003-11-01), None
“Wells Fargo's Rebate Card”, The New York Times, nytimes.com. p. 1, Apr. 19, 1993.
Kleege, S., “Wells launches credit card that offers mortgage rebate”, American Banker, vol. 158, No. 73, p. 2, Apr. 19, 1993.
“Wells Fargo's William Zuendt”, Institutional Investor, vol. 28, No. 7, p. 49, Jul. 1994.
Block, V., “GM turns up the heat with plan to cross-sell some financial products”, American Banker, vol. 159, No. 222, p. 16, Nov. 18, 1994.
“Principal Bank Gives a ‘Kick-Start’ to Personal Savings; Virtual Bank Has One-of-a-Kind Savings Reward Credit Card”, PR Newswire, p. 5449, Aug. 24, 1999.
“State Farm Bank Now Offering Visa Credit Cards”, Apr. 9, 2001.
“Mortgage Equity Card”, www.cardweb.com, May 12, 2004.
“GMAC and MBNA Marketing Equity Rewards Card”, Mortgage Line, vol. 6, Iss. 3, p. 16, Jun. 15, 2004.
BerGquist, E., “GMAC Offers Auto Deduction Award.(GMAC Mortgage Corp.)”, American Banker, 2004.
“Merrill Lynch Clients to Earn Valuable Rewards Points for Home Financing; Limited Time Offer for Merrill+ and Visa Signature Cardholders”, Business Wire, Jul. 12, 2004.
“VISA Financial Rewards Program Rules and Point Redemption”, Thrivent Financial Bank.

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

Method and system for managing a mortgage rebate transaction... does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Method and system for managing a mortgage rebate transaction..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and system for managing a mortgage rebate transaction... will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-3935056

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.