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    • 44. 发明授权
    • Method and system for optimizing the usefulness of a credit and debit card portfolio
    • 用于优化信用卡和借记卡组合的有用性的方法和系统
    • US08540151B1
    • 2013-09-24
    • US13803182
    • 2013-03-14
    • John SnyderPeter C VogelbergerHoward M Saperstein
    • John SnyderPeter C VogelbergerHoward M Saperstein
    • G06K5/00
    • G06Q20/24G06Q40/02
    • A method, for maximizing the financial benefits that accrue to one from optimally taking advantage of the incentives offered by the various providers of credit cards, includes the steps of: (1) collecting card provider information regarding currently offered incentives, (2) collecting one's information regarding past and proposed card purchases, (3) analyzing this information to determine the benefits that would accrue to one from making the proposed purchase with each of one's available cards, (4) communicating the results of this analysis so as to enable it to be used in selecting the card to be used in one's next purchase, (5) presenting the incentives of other cards which are not in the one's card portfolio, and (6) if one is considering adding one of these other cards to one's portfolio in order to take advantage of its incentives, advising of the impact on one's credit rating of applying for a new card.
    • 一种最大限度地利用从各种信用卡提供商所提供的激励机制获得的经济利益的方法包括以下步骤:(1)收集关于当前提供的激励的卡提供商信息,(2)收集个人信息 关于过去和建议的卡购买的信息,(3)分析这些信息以确定一个人可以利用每张可用卡片提出购买所产生的利益,(4)传达该分析的结果,使其能够 用于选择下一次购买中使用的卡,(5)提供不在卡组合中的其他卡的激励,以及(6)如果考虑将其他卡中的一个添加到组合中 为了利用其激励措施,建议对申请新卡的信用评级的影响。