公开(公告)号：US08744964B2

公开(公告)日：2014-06-03

申请号：US14025286

申请日：2013-09-12

申请人： Citicorp Credit Services, Inc.

发明人： Glennon Franklin ,  Edmond Eger

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10

摘要： A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call.

摘要翻译： 用于管理交易卡帐户的方法和系统涉及向金融机构提供客户交易卡账户，客户可以根据该金融机构在预定帐户报表期间对预定类型的交易收取费用，并向客户向客户发送费用表 在每个帐目报表期间结束指定到期日，之后如果该报表未支付，则在帐户上评估预定的延迟费用。 但是，如果客户在付款到期的帐目报表期内进行购买或保证提前支付，则指定产品中的帐户将自动放弃滞纳金。 此外，金融机构的语音响应单元向客户提供选择退出语音响应单元脚本化呼叫的第一菜单选项，并且在通话期间的任何时间直接与现场代表谈论该帐户。

公开(公告)号：US20140019320A1

公开(公告)日：2014-01-16

申请号：US14025286

申请日：2013-09-12

申请人： Citicorp Credit Services, Inc.

发明人： Glennon Franklin ,  Edmond Eger

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10

摘要： A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call.

摘要翻译： 用于管理交易卡帐户的方法和系统涉及向金融机构提供客户交易卡账户，客户可以根据该金融机构在预定帐户报表期间对预定类型的交易收取费用，并向客户发送费用报表给客户 在每个帐目报表期间结束指定到期日，之后如果该报表未支付，则在帐户上评估预定的延迟费用。 但是，如果客户在付款到期的帐目报表期内进行购买或保证提前支付，则指定产品中的帐户将自动放弃滞纳金。 此外，金融机构的语音响应单元向客户提供选择退出语音响应单元脚本化呼叫的第一菜单选项，并且在通话期间的任何时间直接与现场代表谈论该帐户。