首页> 外国专利> Pay bills and accumulate wealth using a personalized financial debit-credit combination card that allows the user to make payment transactions against the user's own funds and encourages the user to pay back the account on a monthly basis for the charges made. If payments are not made punctually, then the account holder is also responsible for paying interests, late fees, and processing charges to his or her own account

Pay bills and accumulate wealth using a personalized financial debit-credit combination card that allows the user to make payment transactions against the user's own funds and encourages the user to pay back the account on a monthly basis for the charges made. If payments are not made punctually, then the account holder is also responsible for paying interests, late fees, and processing charges to his or her own account

机译：使用个性化的金融借方贷方组合卡支付账单并积累财富，该卡允许用户使用用户自己的资金进行支付交易，并鼓励用户每月偿还所产生的费用。如果未按时付款，则帐户持有人还负责向自己的帐户支付利息，滞纳金和手续费

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摘要

This patent application makes available to a specific group of consumers a financial card that provides the services that existing debit and credit cards offer today; with the exception that instead of paying interests and fees to credit lenders, the consumer who uses this card agrees to pay himself or herself for the use of his or her own funds. In other words, with this service, a consumer who has savings in a bank account (in this case a credit line) and elects this service, can make debit transactions against his or her own account and repay himself or herself for the use of the funds, plus finance charges (interests) if payments are late. Thus it gives the consumer the option to increase wealth and at the same time keep from going into more debt. The services offered by this financial card also include a safe alternative to cash; a means of building credit history; an option when having to bail out of emergencies; a flexible alternative when cash or checks are not accepted; savings from having to stock up on traveler's checks or cash when one travels; implicit guarantee of satisfaction because as a consumer one can stop payment, etc.

机译：该专利申请为特定的消费者群体提供了一种金融卡，该金融卡提供了当今借记卡和信用卡所提供的服务;除了使用信用卡支付的消费者同意向自己支付费用以外，不向信用卡放款人支付利息和费用。换句话说，使用此服务，在银行帐户（在这种情况下为信贷额度）中有存款并选择该服务的消费者，可以使用自己的帐户进行借记交易，并为使用该服务偿还本金。资金，如果付款延迟，还要加上财务费用（利息）。因此，它为消费者提供了增加财富的选择，同时又避免增加其债务。该金融卡提供的服务还包括现金的安全替代品;建立信用记录的方法;在紧急情况下必须保释的选择;当不接受现金或支票时的灵活选择;无需在旅行时积on旅行支票或现金而节省费用;隐含的满意保证，因为作为消费者，人们可以停止付款等。

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公开/公告号US2005228749A1

专利类型
公开/公告日2005-10-13

原文格式PDF
申请/专利权人 CARLOS ANDRES LOZANO;
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申请/专利号US20040821610
发明设计人 CARLOS ANDRES LOZANO;
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申请日2004-04-09
分类号G06F17/60;
国家 US
入库时间 2022-08-21 22:25:27

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