公开(公告)号：US20070094134A1

公开(公告)日：2007-04-26

申请号：US11255340

申请日：2005-10-21

Applicant: Simran Kalra ,  Brette Kameny ,  Anita Kozminsky ,  James Mahon ,  Pamela Reid-Morgan ,  Peter Smith

Inventor： Simran Kalra ,  Brette Kameny ,  Anita Kozminsky ,  James Mahon ,  Pamela Reid-Morgan ,  Peter Smith

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q40/12

Abstract: Systems, methods, and computer program products for presenting, on a statement associated with a financial transaction instrument, an amount of interest avoided during a statement period. A first interest amount is computed for the statement period according to a first interest calculation method, the first interest amount being an interest amount actually billed to the transaction instrument account holder. A second interest amount is computed for the statement period according to a second interest calculation method. An amount of interest avoided for the statement period is computed by taking a difference of the first interest amount and the second interest amount. The amount of interest avoided for the statement period is displayed on the statement, whereby the holder of the transaction instrument is informed as to the amount of interest avoided by use of the first interest calculation method, rather than the second interest calculation method.

Abstract translation: 系统，方法和计算机程序产品，用于在与金融交易工具相关的报表中呈现在报表期间避免的利息金额。 根据第一利息计算方法计算报表期间的第一利息金额，第一利息金额是实际计入交易工具账户持有人的利息金额。 根据第二利息计算方法计算报表期间的第二利息金额。 通过取得第一利息金额和第二利息金额的差额计算报表期间避免的利息金额。 报表期间避免的利息金额显示在报表上，由交易工具的持有人通知使用第一个利息计算方法而不是第二个利息计算方法避免的利息金额。

公开(公告)号：US07702547B2

公开(公告)日：2010-04-20

申请号：US11255340

申请日：2005-10-21

Applicant: Simran Kalra ,  Brette Kameny ,  Anita Kozminsky ,  James Mahon ,  Pamela Reid-Morgan ,  Peter S. Smith

Inventor： Simran Kalra ,  Brette Kameny ,  Anita Kozminsky ,  James Mahon ,  Pamela Reid-Morgan ,  Peter S. Smith

IPC: G07F19/00

CPC classification number: G06Q40/02 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/06 ,  G06Q40/12

Abstract: Systems, methods, and computer program products for presenting, on a statement associated with a financial transaction instrument, an amount of interest avoided during a statement period. A first interest amount is computed for the statement period according to a first interest calculation method, the first interest amount being an interest amount actually billed to the transaction instrument account holder. A second interest amount is computed for the statement period according to a second interest calculation method. An amount of interest avoided for the statement period is computed by taking a difference of the first interest amount and the second interest amount. The amount of interest avoided for the statement period is displayed on the statement, whereby the holder of the transaction instrument is informed as to the amount of interest avoided by use of the first interest calculation method, rather than the second interest calculation method.

Abstract translation: 系统，方法和计算机程序产品，用于在与金融交易工具相关的报表中呈现在报表期间避免的利息金额。 根据第一利息计算方法计算报表期间的第一利息金额，第一利息金额是实际计入交易工具账户持有人的利息金额。 根据第二利息计算方法计算报表期间的第二利息金额。 通过取得第一利息金额和第二利息金额的差额计算报表期间避免的利息金额。 报表期间避免的利息金额显示在报表上，由交易工具的持有人通知使用第一个利息计算方法而不是第二个利息计算方法避免的利息金额。