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COMPUTER-IMPLEMENTED METHODS, PROGRAM PRODUCT, AND SYSTEM TO ENHANCE BANKING TERMS OVER TIME
COMPUTER-IMPLEMENTED METHODS, PROGRAM PRODUCT, AND SYSTEM TO ENHANCE BANKING TERMS OVER TIME
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机译:计算机实现的方法,程序产品和系统,可随着时间的推移增强银行条款
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摘要
Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumers prior enrollment in a prepaid card program and one or more of the following: the consumer's historical direct deposit data, and data associated with the consumer's historical behavior in the prepaid card program. The financial institution computer can extend an amount of available credit to the consumer through the line of credit program so that a consumer credit limit is capped through underwriting criteria to ensure that no more than a predetermined percentage of a consumer's historic direct deposit amount is required for minimum repayments. The financial institution computer can further receive loan repayments over one or more predetermined direct deposit periods and change the consumer credit limit by preselected increments responsive to a change in the consumer's direct deposit amount.
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