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1.发明申请公开(公告)号：US20140058924A1
公开(公告)日：2014-02-27
申请号：US13969755
申请日：2013-08-19
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/40 , G06Q40/00 , G06Q40/08
摘要： 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.
摘要翻译： 一种为信用卡提供多种信用额度的系统和方法。 所公开的方法之一包括例如分析持卡人的信用信息以确定与持卡人相关联的风险级别; 根据确定的持卡人风险水平建立通用信贷额度，将通用信用额度设置为循环信贷额度; 根据确定的持卡人风险水平建立私人标签信用额度，将私人标签信用额度设置为循环信贷额度; 并向已建立的通用信用额度和私人标签信用额度的持卡人发放信用卡。
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公开(公告)号：US07406442B1
公开(公告)日：2008-07-29
申请号：US09659585
申请日：2000-09-11
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/40 , G06Q40/00 , G06Q40/08
摘要： 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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3.发明授权公开(公告)号：US08560440B2
公开(公告)日：2013-10-15
申请号：US11998417
申请日：2007-11-30
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q20/40 , G06Q40/00 , G06Q40/08
摘要： 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.
摘要翻译： 一种为信用卡提供多种信用额度的系统和方法。 所公开的方法之一包括例如分析持卡人的信用信息以确定与持卡人相关联的风险级别; 根据确定的持卡人风险水平建立通用信贷额度，将通用信用额度设置为循环信贷额度; 根据确定的持卡人风险水平建立私人标签信用额度，将私人标签信用额度设置为循环信贷额度; 并向已建立的通用信用额度和私人标签信用额度的持卡人发放信用卡。
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