Beds – Bedsteads – Element or detail
Reexamination Certificate
2007-12-04
2007-12-04
Le, Thien M. (Department: 2876)
Beds
Bedsteads
Element or detail
C705S035000, C705S038000
Reexamination Certificate
active
11583924
ABSTRACT:
Systems, methods, and apparatus are provided for instant decisioning and remote dispensing of credit cards. In accordance with one implementation the system for instantly issuing a credit card includes means for receiving a credit card application from an applicant, means for instantly decisioning the credit card application, if declined, means for instantly notifying the applicant of that decision, and if approved, means for instantly issuing the credit card. The instant issuance credit card system can also receive a security deposit from the applicant where a determination is made that the applicant may need to remit a security deposit in order to secure the credit card. A decision to require security deposit may be based on the credit history of the applicant. A method for instantly issuing a credit card is also provided. Additionally, an apparatus for remotely dispensing a credit card is provided. The remote dispensing apparatus includes: an input device; a security deposit acceptor; a remote dispensing module, wherein the remote dispensing module communicates with a central real-time decisioning platform; a credit card dispenser; and a display.
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Datacard Group: Products: Desktop Embossers, Datacard 150i Card Personalization System, http://www.datacard.com/products/p1—06.htm, printed on Sep. 15, 2000.
Datacard Group: Products: Card Production, Datacard Artista Custom Card Printer, http://www.datacard.com/products/artista/default.htm, printed on Sep. 12, 2000.
Jaros Richard J.
Steadman Monique J.
Capital One Financial Corporation
Finnegan Henderson Farabow Garrett & Dunner L.L.P.
Labaze Edwyn
Le Thien M.
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