BRPI0416601A - método e sistema para gerenciamento de cartão de conta de transação para abatimento de hipoteca - Google Patents

método e sistema para gerenciamento de cartão de conta de transação para abatimento de hipoteca

Info

Publication number
BRPI0416601A
BRPI0416601A BRPI0416601-9A BRPI0416601A BRPI0416601A BR PI0416601 A BRPI0416601 A BR PI0416601A BR PI0416601 A BRPI0416601 A BR PI0416601A BR PI0416601 A BRPI0416601 A BR PI0416601A
Authority
BR
Brazil
Prior art keywords
mortgage
account
transaction card
cardholder
loan
Prior art date
Application number
BRPI0416601-9A
Other languages
English (en)
Original Assignee
Citicorp Credit Services Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citicorp Credit Services Inc filed Critical Citicorp Credit Services Inc
Publication of BRPI0416601A publication Critical patent/BRPI0416601A/pt

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0232—Frequent usage rewards other than merchandise, cash or travel
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234—Rebates after completed purchase
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Technology Law (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

"MéTODO E SISTEMA PARA GERENCIAMENTO DE CARTãO DE CONTA DE TRANSAçãO PARA ABATIMENTO DE HIPOTECA". A presente invenção refere-se a um método e sistema para gerenciamento de uma conta de cartão de transação para abatimento de hipoteca, em que um provedor de cartão de transação computa um valor para abatimento de hipoteca, baseado no valor de encargos incorridos contra a conta e, periodicamente, disponibiliza o pedido do valor para abatimento de hipoteca contra um saldo de empréstimo de hipoteca, para o portador do cartão. A conta é fornecida pelo provedor do cartão de transação, em conexão com um empréstimo de hipoteca previamente existente do portador do cartão ou um empréstimo esperado de hipoteca do portador do cartão. Além disso, a conta pode ser fornecida em conexão com um empréstimo de hipoteca, proveniente de qualquer agente financiador de hipoteca, desconsiderando-se a existência ou não-existência de uma afiliação ou associação entre o provedor de cartão de transação e o agente financiador de hipoteca.
BRPI0416601-9A 2003-11-13 2004-11-15 método e sistema para gerenciamento de cartão de conta de transação para abatimento de hipoteca BRPI0416601A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US51927803P 2003-11-13 2003-11-13
PCT/US2004/038159 WO2005050379A2 (en) 2003-11-13 2004-11-15 Method and system for managing a mortgage rebate transaction card account

Publications (1)

Publication Number Publication Date
BRPI0416601A true BRPI0416601A (pt) 2007-01-30

Family

ID=34619340

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0416601-9A BRPI0416601A (pt) 2003-11-13 2004-11-15 método e sistema para gerenciamento de cartão de conta de transação para abatimento de hipoteca

Country Status (9)

Country Link
US (3) US7398246B2 (pt)
EP (1) EP1682992A4 (pt)
JP (1) JP2007511836A (pt)
KR (1) KR101606059B1 (pt)
AU (1) AU2004292218A1 (pt)
BR (1) BRPI0416601A (pt)
PA (1) PA8617301A1 (pt)
TW (1) TWI350998B (pt)
WO (1) WO2005050379A2 (pt)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7904386B2 (en) * 2005-09-30 2011-03-08 American Express Travel Related Services Company, Inc. System, method, and computer program product for saving and investing through use of transaction cards
US8117116B2 (en) * 2005-12-27 2012-02-14 American Express Travel Related Services Company, Inc. Using a transaction card account to make recurring loan payments
US20080249871A1 (en) * 2006-10-06 2008-10-09 Cheaphousepayments.Com, Inc. System and Method for the Advertising, Marketing and Sale of Real Estate
US20080243661A1 (en) * 2007-03-30 2008-10-02 Bussone Ryan Joseph System and method of acquiring instant credit
US8751386B2 (en) * 2008-05-28 2014-06-10 At&T Intellectual Property I, L.P. Impulse donation/buy without risk method
US20100205087A1 (en) * 2009-02-10 2010-08-12 Loan Value Group Llc Systems and methods to promote loan repayment
US20120253904A1 (en) * 2011-03-28 2012-10-04 Fishman Gary C Internet-based method and system for affiliate marketing and commission sharing to create sales leads
US10963903B1 (en) 2012-07-05 2021-03-30 Share Edge, Llc Workflow management system for tracking event objects associated with entities and secondary entities
US10475059B2 (en) 2012-07-05 2019-11-12 Share Magnet, LLC Syndicated sharing of promotional information
US20190180255A1 (en) * 2017-12-12 2019-06-13 Capital One Services, Llc Utilizing machine learning to generate recommendations for a transaction based on loyalty credits and stored-value cards
CN110874795A (zh) 2018-08-31 2020-03-10 许家烨 不动产商品相关的金融系统及其管理方法
US11204760B2 (en) 2020-02-20 2021-12-21 Share Edge, Llc Online activity monitoring

Family Cites Families (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5970480A (en) 1997-04-14 1999-10-19 Kalina; Dyan T. Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
US6243688B1 (en) 1997-04-14 2001-06-05 Dyan T. Kalina Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
AU774433B2 (en) 1998-03-11 2004-06-24 Foliofn, Inc. Method and apparatus for enabling individual or smaller investors or others to create and manage a portofolio of securities or other assets or liabilities on a cost effective basis
US6222914B1 (en) * 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
US7072851B1 (en) * 1999-04-16 2006-07-04 Bank Of America Corporation System and method for administrating a credit card use incentive program by which a credit card holder earns rebate in the form of an additional payment toward an outstanding loan principal to reduce overall cost of the installment loan
US6386444B1 (en) * 1999-07-30 2002-05-14 First Usa Bank, N.A. System and methods for card payment instrument with rebate applied to an insurance premium
US6631358B1 (en) 1999-11-11 2003-10-07 John W. L. Ogilvie Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions
CA2406001A1 (en) 2000-04-14 2001-10-25 American Express Travel Related Services Company, Inc. A system and method for using loyalty points
US8660939B2 (en) 2000-05-17 2014-02-25 Timothy D. Allen Method for mortgage customer retention
US20020161630A1 (en) 2000-07-07 2002-10-31 Nelnet Loan Services, Inc. Loyalty reward program for reducing the balance of a loan obligation
US20020069150A1 (en) * 2000-12-04 2002-06-06 Biao Ni System and method to retain customers using rebate in combination with investment instruments to serve customers' long term financial needs
US7472088B2 (en) 2001-01-19 2008-12-30 Jpmorgan Chase Bank N.A. System and method for offering a financial product
CA2438197A1 (en) 2001-02-12 2002-08-22 Stockback Holdings, Inc. Customer loyalty programs and systems and methods for such programs
JP2002329149A (ja) * 2001-04-27 2002-11-15 Junji Ishikawa ポイント換金システム及び方法
JP2003085465A (ja) * 2001-09-12 2003-03-20 Plaza Create Co Ltd コンピュータシステム、コンピュータシステムの制御方法及びプログラム
US20030135442A1 (en) 2001-12-31 2003-07-17 Neeraj Kumar Method and apparatus for determining an offer regarding a financial product
AU2003212156A1 (en) * 2002-03-15 2003-09-29 Maynard Dokken System and method for dealing with loyalty program points
US20030191702A1 (en) 2002-04-09 2003-10-09 Hurley William J. Asset backed debt consolidation
AUPS243302A0 (en) 2002-05-20 2002-06-13 Prudential Finance Corporation Pty Limited Financial product
US20030225688A1 (en) 2002-05-28 2003-12-04 Charter One Financial, Inc. Financial account transfer apparatus and method

Also Published As

Publication number Publication date
WO2005050379A2 (en) 2005-06-02
WO2005050379A3 (en) 2006-11-02
US8156039B2 (en) 2012-04-10
PA8617301A1 (es) 2005-05-24
JP2007511836A (ja) 2007-05-10
US20080235131A1 (en) 2008-09-25
US7398246B2 (en) 2008-07-08
TWI350998B (en) 2011-10-21
US20120179533A1 (en) 2012-07-12
AU2004292218A1 (en) 2005-06-02
US20050108132A1 (en) 2005-05-19
KR101606059B1 (ko) 2016-03-24
KR20060123307A (ko) 2006-12-01
EP1682992A2 (en) 2006-07-26
EP1682992A4 (en) 2008-05-14
TW200519698A (en) 2005-06-16

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Legal Events

Date Code Title Description
B15K Others concerning applications: alteration of classification

Free format text: AS CLASSIFICACOES ANTERIORES ERAM: G06Q 40/00 , G06Q 30/00

Ipc: G06Q 40/00 (2006.01), G06Q 30/00 (2006.01), G06Q 3

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B06A Patent application procedure suspended [chapter 6.1 patent gazette]
B11B Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements