Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2008-01-01
2008-01-01
Lee, Michael G. (Department: 2876)
Registers
Systems controlled by data bearing records
Credit or identification card systems
Reexamination Certificate
active
07314166
ABSTRACT:
The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial institution and/or a client program administrator company may perform analysis of spending patterns for cardmembers in order to determine an optimal client-imposed credit limit in order to reduce the occurrences of declined charge or credit transactions. An account manager for a financial institution and/or a client program administrator may use the limits report to persuade a cardmember to increase the client-imposed credit limit to a recommended level, thereby reducing the cardmember's inconvenience cased by declined purchase transactions while recapturing lost revenues by the card issuer also resulting from declined purchase transactions.
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Anderson Gordon Emory
Campanaro Catherine J.
Coomer William Gaines
James Michael Gregory
Khandekar Aniruddha V.
American Express Travel Related Services Company Inc.
Kim Tae W.
Lee Michael G.
Snell & Wilmer L.L.P.
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