公开(公告)号：US10445825B2

公开(公告)日：2019-10-15

申请号：US15831875

申请日：2017-12-05

申请人： Capital One Financial Corporation

发明人： Marcie Apelt ,  Megan Edds ,  Keith Barron ,  Ashley Gibbs ,  Matthew Vischulis ,  Carl Ashby ,  Baining Hu ,  Yi Liu ,  David Schardt

IPC分类号： G06Q40/00 ,  G06Q40/02

摘要： Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

公开(公告)号：US10402900B2

公开(公告)日：2019-09-03

申请号：US14847988

申请日：2015-09-08

申请人： Capital One Financial Corporation

发明人： Marcie Apelt ,  Megan Edds ,  Keith Barron ,  Ashley Gibbs ,  Matthew Vischulis ,  Carl Ashby ,  Baining Hu ,  Yi Liu ,  David Schardt

IPC分类号： G06Q40/00 ,  G06Q40/02

摘要： Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

公开(公告)号：US20180096424A1

公开(公告)日：2018-04-05

申请号：US15831875

申请日：2017-12-05

申请人： Capital One Financial Corporation

发明人： Marcie Apelt ,  Megan Edds ,  Keith Barron ,  Ashley Gibbs ,  Matthew Vischulis ,  Carl Ashby ,  Baining Hu ,  Yi Liu ,  David Schardt

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.