08190522 is referenced by 4 patents and cites 545 patents.

A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor 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 the network.

Title
System and method for providing borrowing schemes
Application Number
12/561876
Publication Number
8190522 (B1)
Application Date
September 17, 2009
Publication Date
May 29, 2012
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
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