Methods of establishing credit
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Sep 5, 2017
Issued Date -
N/A
app pub date -
Jan 6, 2014
filing date -
Oct 2, 2002
priority date (Note) -
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status (Latency Note)
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Abstract
A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit score of the cardholder.
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