Patent №
US 8,239,304
Granted
2012-08-07
Filed 2003
Owner
BANK ONE, DELAWARE, NATIONAL ASSOCIATION
+2 more
Lab
—
AI components
1
kr
Assignment
Recorded
Dataset
AIPD
2023_r1 edition
Application
10373164
According to one embodiment, the present invention relates to a method and a system for offering a consumer an opportunity to purchase one or more targeted products and/or services with a pre-approved credit instrument where the selection of one or more products is based on consumer related profile information, which may include previous spending habits, previous transactions and/or other information. Some or all aspects of an offer for the targeted product or service, which may include product type, offer delivery, pricing and payment terms, may be determined by various factors, such as the consumer's credit-worthiness, profile information and/or other information.
AI classification
Ownership
BANK ONE, DELAWARE, NATIONAL ASSOCIATION
assignment · 138160394
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION
assignment · 234750381
JPMORGAN CHASE BANK, N.A.
assignment · 234760236
Assignors
AHMAD, FARHAN
On an employer assignment, the assignors are typically the inventors.