08078528 is referenced by 65 patents and cites 533 patents.

The method according to exemplary embodiments comprises establishing an interest-free revolving amount or account, establishing a periodic payment for maintaining the interest-free revolving amount or account, and automatically revising the interest-free revolving amount or account or the periodic payment based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via a network.

Title
System and method for providing borrowing schemes
Application Number
12/372510
Publication Number
8078528 (B1)
Application Date
February 17, 2009
Publication Date
December 13, 2011
Inventor
Jennifer C McGarry
Haddonfield
NJ, US
Heather Margaret Emerson
San Francisco
CA, US
Kevin Thomas Dame
San Francisco
CA, US
Ian Michael Groulx
Oakland
CA, US
Ryan Alan Jacoby
New York
NY, US
James Samuel Moed
Baltimore
MD, US
Joy Lynn Koppenhaver
Bear
DE, US
Manning R Field
Media
PA, US
Frank Cawley Dragotta
Philadelphia
PA, US
Maria Teresita Vicente
Marlton
NJ, US
Agent
Hunton & Williams
Assignee
JPMorgan Chase Bank N A
NY, US
IPC
G06Q 40/00
View Original Source