WO1999028850A1 - Credit card - Google Patents

Credit card Download PDF

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Publication number
WO1999028850A1
WO1999028850A1 PCT/US1998/025447 US9825447W WO9928850A1 WO 1999028850 A1 WO1999028850 A1 WO 1999028850A1 US 9825447 W US9825447 W US 9825447W WO 9928850 A1 WO9928850 A1 WO 9928850A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
individual
credit
kit
line
Prior art date
Application number
PCT/US1998/025447
Other languages
French (fr)
Other versions
WO1999028850A9 (en
Inventor
Michael David White
Original Assignee
Michael David White
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Michael David White filed Critical Michael David White
Priority to AU19026/99A priority Critical patent/AU1902699A/en
Publication of WO1999028850A1 publication Critical patent/WO1999028850A1/en
Publication of WO1999028850A9 publication Critical patent/WO1999028850A9/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • This invention relates to a credit card having a line of credit based on the worth of property owned by an individual. Discussion Of Related Art
  • a business institution such as a bank, a company or a store
  • the application form asks the individual several questions, such as his name, address, employment status and annual income.
  • the individual presents the form to the business institution which then decides whether to issue its credit card to the individual. If the business institution issues a credit card to the individual, he or she will be able to make purchases upon the credit card as long as the total amount of the purchases does not exceed the card's credit line established by the business institution.
  • the amount of the credit line is often based on the individual's credit history and his annual income.
  • a first aspect of the present invention concerns a credit card to be owned by an individual.
  • the credit card includes a first side and a second side facing away from the first side where the credit card further includes an account identifier that identifies a credit account of the individual having a line of credit secured by a security interest in property owned by the individual.
  • a second aspect of the present invention regards a credit card kit that includes a credit card issued by a financial party to an individual and which has a line of credit.
  • the credit card kit further includes a legal instrument where the financial party grants the line of credit for the credit card in return for receiving a security interest in property owned by the individual.
  • a third aspect of the present invention regards a method of using a credit card by an individual.
  • the method includes the steps of a financial party granting an individual a line of credit upon receiving a security interest in property owned by the individual and the individual agreeing to convey the security interest in the property to the financial party.
  • the method includes the step of the financial party issuing a credit card with the line of credit to the individual.
  • Each of the above-mentioned aspects of the present invention are advantageous in that they allow an individual to obtain credit cards with higher credit lines that accurately reflect his or her ability to pay off purchases with the credit card. For example, the borrower making $30,000 above using the present invention would probably be able to obtain a credit card credit line with a credit line much greater than $1,000 such as $500,000 and maybe even $750,000.
  • the present invention allows a borrower to have access to capital in very large supply so that the borrower may pursue opportunities in education, business and leisure which often require payment of a large amount of capital.
  • each of the above-mentioned aspects of the present invention provides is to allow the borrower to pay lower rates for credit card debt since the entity providing the money to the borrower is assured of payment by the acquisition of a secured interest in the borrower's property.
  • FIG. 1 schematically shows an embodiment of a credit card kit according to the present invention
  • FIG. 2 schematically shows a front view of a credit card according to the present invention
  • FIG. 3 schematically shows a rear view of the credit card of FIG. 2;
  • FIG. 4 shows a flow chart of how the credit card kit of FIG. 1 and the credit card of FIGS. 2-3 are to be used according to the present invention.
  • FIG. 1 schematically shows a credit card kit 30 that includes a credit card 32, a legal instrument 34 and a credit card reading device 36.
  • the credit card kit 30 is implemented by having a financial party or institution, such as a bank, a company or a store, present the legal instrument 34 to an interested individual.
  • the legal instrument 34 preferably is a writing made on paper that includes the terms of agreement between the financial party and the interested individual that will result in the issuance of the credit card 32 to the interested individual.
  • agreement present in the legal instrument 34 is the agreement of the financial party to grant the interested individual a line of credit upon receiving a security interest, such as a mortgage, in property owned by the interested individual and the interested individual agreeing to convey the security interest to the financial party.
  • a security interest such as a mortgage
  • the property owned by the individual that is the subject of the security interest may include a building, such as a residential house, real estate, a financial instrument, such as a stock or a bond.
  • the value of the line of credit preferably is less than or equal to the value of the property that is the subject of the security interest.
  • the credit card 32 is structurally similar to prior art credit cards in that it has a rectangular shape having a length of approximately 3 3/8", a width of approximately 2 1/8" and a thickness of approximately 1/32".
  • the credit card 32 is preferably made of plastic materials commonly used for prior art credit cards. As shown in FIG.
  • one side 38 of the credit card 32 has indicia that indicates the name of the individual ("John Doe"), the time period in which the credit card 32 is valid (“1/1/98"), an account identifier 40 that identifier that identifies a credit account of the individual and may include indicia 42 formed on the credit card 32 ("12345") and indicia 42 identifying the financial party (John Doe's Bank) that is providing the line of credit and the credit card 32 to the individual.
  • the indicia may be raised or printed on the side 38 of the credit card 32.
  • the interested individual can use the credit card 32 to purchase products and/or services from stores and companies that honor the credit card 32, as indicated in FIG. 4.
  • the product or service is purchased by the individual presenting the credit card 32 to the store employee who then passes the card 32 through a credit card reading device 36 which is well known in the art and which reads the magnetic strip 42 of the credit card 32.
  • the magnetic strip 46 contains information as to the financial party and the credit card account number of the individual. This information is combined with the amount of the purchase made by the individual and is conveyed to the financial party and its agents so that the purchase can be recorded and billed to the individual at a later time.
  • the legal instrument 34 may not be a writing in the traditional sense, but may be an agreement that is accessed from the internet, and displayed on the monitor of a computer.

Abstract

A credit card to be owned by an individual including a first side and a second side facing away from the first side where the credit card further includes an account identifier that identifies a credit account of the individual having a line of credit secured by a security interest in property owned by the individual.

Description

CREDIT CARD
BACKGROUND OF THE INVENTION Field Of The Invention
This invention relates to a credit card having a line of credit based on the worth of property owned by an individual. Discussion Of Related Art
Traditionally, people have had a number of ways to borrow money. One way is for the person to take out a mortgage on his property in return of receiving money from a bank. A second and relatively recent trend in borrowing is the home equity credit lines that allow people to borrow money based on the equity value of their house. Such home equity credit lines have only been accessed through checks or a traditional lump-sum closing payment.
One of the most convenient ways for a person to purchase a product is to use a credit card. Typically, a business institution, such as a bank, a company or a store, presents an individual with an application form for a credit card. The application form asks the individual several questions, such as his name, address, employment status and annual income. The individual presents the form to the business institution which then decides whether to issue its credit card to the individual. If the business institution issues a credit card to the individual, he or she will be able to make purchases upon the credit card as long as the total amount of the purchases does not exceed the card's credit line established by the business institution. The amount of the credit line is often based on the individual's credit history and his annual income.
One disadvantage of such a credit card is that the established credit line is often artificially too low since it does not reflect the actual assets of the individual and has been based only on presently generated income. Credit cards in use do not take into account previously generated income which has been stored as equity such as in stocks, bonds or a real estate property. As an example, a property owner may have a home worth $1,000,000 and hold title to the property free-and-clear of all mortgages. In such a case, the owner may have retired from his primary profession and is working as a teacher for a reduced salary of $30,000. Using today's credit card, this person would ordinarily have access to only one or two thousand dollars of credit card debt, even with a net worth of at least $1,000,000.
Another disadvantage of prior credit cards is that the borrower must pay very high rates of interest. A borrower is forced to pay high rates for credit card debt since the lender has no asset from which to recover its loan in the event of default.
SUMMARY OF THE INVENTION
A first aspect of the present invention concerns a credit card to be owned by an individual. The credit card includes a first side and a second side facing away from the first side where the credit card further includes an account identifier that identifies a credit account of the individual having a line of credit secured by a security interest in property owned by the individual.
A second aspect of the present invention regards a credit card kit that includes a credit card issued by a financial party to an individual and which has a line of credit. The credit card kit further includes a legal instrument where the financial party grants the line of credit for the credit card in return for receiving a security interest in property owned by the individual.
A third aspect of the present invention regards a method of using a credit card by an individual. The method includes the steps of a financial party granting an individual a line of credit upon receiving a security interest in property owned by the individual and the individual agreeing to convey the security interest in the property to the financial party. The method includes the step of the financial party issuing a credit card with the line of credit to the individual.
Each of the above-mentioned aspects of the present invention are advantageous in that they allow an individual to obtain credit cards with higher credit lines that accurately reflect his or her ability to pay off purchases with the credit card. For example, the borrower making $30,000 above using the present invention would probably be able to obtain a credit card credit line with a credit line much greater than $1,000 such as $500,000 and maybe even $750,000. Thus, the present invention allows a borrower to have access to capital in very large supply so that the borrower may pursue opportunities in education, business and leisure which often require payment of a large amount of capital.
Another advantage that each of the above-mentioned aspects of the present invention provide is to allow the borrower to pay lower rates for credit card debt since the entity providing the money to the borrower is assured of payment by the acquisition of a secured interest in the borrower's property.
The foregoing features and advantages of the present invention will be further understood upon consideration of the following detailed description of the invention taken in conjunction with the accompanying drawings, in which:
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 schematically shows an embodiment of a credit card kit according to the present invention;
FIG. 2 schematically shows a front view of a credit card according to the present invention;
FIG. 3 schematically shows a rear view of the credit card of FIG. 2; and
FIG. 4 shows a flow chart of how the credit card kit of FIG. 1 and the credit card of FIGS. 2-3 are to be used according to the present invention.
DESCRIPTION OF THE PREFERRED EMBODIMENT
Referring now to the drawings wherein like reference characters designate identical or corresponding parts throughout the several figures, and in particular FIG. 1 schematically shows a credit card kit 30 that includes a credit card 32, a legal instrument 34 and a credit card reading device 36. As shown in FIG. 4, the credit card kit 30 is implemented by having a financial party or institution, such as a bank, a company or a store, present the legal instrument 34 to an interested individual. The legal instrument 34 preferably is a writing made on paper that includes the terms of agreement between the financial party and the interested individual that will result in the issuance of the credit card 32 to the interested individual. Among the terms of agreement present in the legal instrument 34 is the agreement of the financial party to grant the interested individual a line of credit upon receiving a security interest, such as a mortgage, in property owned by the interested individual and the interested individual agreeing to convey the security interest to the financial party. The property owned by the individual that is the subject of the security interest may include a building, such as a residential house, real estate, a financial instrument, such as a stock or a bond. Furthermore, the value of the line of credit preferably is less than or equal to the value of the property that is the subject of the security interest.
Once the legal instrument 34 is executed by the interested individual, the financial party issues the credit card 32 with the line of credit to the interested individual, as indicated in FIG. 4. The credit card 32 is structurally similar to prior art credit cards in that it has a rectangular shape having a length of approximately 3 3/8", a width of approximately 2 1/8" and a thickness of approximately 1/32". The credit card 32 is preferably made of plastic materials commonly used for prior art credit cards. As shown in FIG. 2, one side 38 of the credit card 32 has indicia that indicates the name of the individual ("John Doe"), the time period in which the credit card 32 is valid ("1/1/98"), an account identifier 40 that identifier that identifies a credit account of the individual and may include indicia 42 formed on the credit card 32 ("12345") and indicia 42 identifying the financial party (John Doe's Bank) that is providing the line of credit and the credit card 32 to the individual. The indicia may be raised or printed on the side 38 of the credit card 32. On the side 44 of the credit card 32 facing away from the side 38 there also may be an account identifier 40 in the form of a magnetic strip 46, as shown in FIG. 3.
Once the interested individual receives the credit card 32, he or she can use the credit card 32 to purchase products and/or services from stores and companies that honor the credit card 32, as indicated in FIG. 4. The product or service is purchased by the individual presenting the credit card 32 to the store employee who then passes the card 32 through a credit card reading device 36 which is well known in the art and which reads the magnetic strip 42 of the credit card 32. The magnetic strip 46 contains information as to the financial party and the credit card account number of the individual. This information is combined with the amount of the purchase made by the individual and is conveyed to the financial party and its agents so that the purchase can be recorded and billed to the individual at a later time. Should the purchase result in the credit line of the credit card 32 being exceeded, then a message will be sent from the financial party to the store and the individual which will indicate that the credit line has been surpassed and so no purchase will be approved. Otherwise, the credit line is not exceeded and the purchase is valid.
The foregoing description is provided to illustrate the invention, and is not to be construed as a limitation. Numerous additions, substitutions and other changes can be made to the invention without departing from its scope as set forth in the appended claims. For example, the legal instrument 34 may not be a writing in the traditional sense, but may be an agreement that is accessed from the internet, and displayed on the monitor of a computer.

Claims

I CLAIM:
1. A credit card to be owned by an individual, said credit card comprising: a first side; a second side facing away from said first side and comprising an account identifier that identifies a credit account of said individual having a line of credit secured by a security interest in property owned by said individual.
2. The credit card of claim 1, wherein said account identifier comprises indicia formed on said second side.
3. The credit card of claim 1, wherein said account identifier comprises a magnetic strip.
4. The credit card of claim 1, wherein said second side further comprises indicia identifying a party that is providing said line of credit.
5. The credit card of claim 1, wherein said property owned by said individual comprises a building.
6. The credit card of claim 5, wherein said building comprises a residential house.
7. The credit card of claim 1 , wherein said property owned by said individual comprises real estate.
8. The credit card of claim 1, wherein said property owned by said individual comprises a financial instrument.
9. The credit card of claim 8, wherein said financial instrument comprises a stock.
10. The credit card of claim 8, wherein said financial instrument comprises a bond.
11. The credit card of claim 1, wherein said security interest comprises a mortgage.
12. The credit card of claim 1 , wherein the value of said credit line is less than or equal to the value of said property.
13. A credit card kit, comprising: a credit card issued by a financial party to an individual and which has a line of credit; and a legal instrument where said financial party grants said line of credit for said credit card in return for receiving a security interest in property owned by said individual.
14. The credit card kit of claim 13, wherein said credit card comprises an account identifier that identifies a credit account of said individual having said line of credit.
15. The credit card kit of claim 14, wherein said account identifier comprises indicia formed on said credit card.
16. The credit card kit of claim 14, wherein said account identifier comprises a magnetic strip.
17. The credit card kit of claim 13, wherein said credit card comprises indicia identifying said financial party that is providing said line of credit.
18. The credit card kit of claim 13, wherein said property owned by said individual comprises a building.
19. The credit card kit of claim 18, wherein said building comprises a residential house.
20. The credit card kit of claim 13, wherein said property owned by said individual comprises real estate.
21. The credit card kit of claim 13, wherein said property owned by said individual comprises a financial instrument.
22. The credit card kit of claim 21, wherein said financial instrument comprises a stock.
23. The credit card kit of claim 21 , wherein said financial instrument comprises a bond.
24. The credit card kit of claim 13, wherein said security interest comprises a mortgage.
25. The credit card kit of claim 13, wherein the value of said credit line is less than or equal to the value of said property.
26. The credit card kit of claim 13, further comprising a credit card reading device that reads said credit card when said credit card is being used by said individual.
27. The credit card kit of claim 13, wherein said credit card reading device conveys to said financial party the amount of a purchase made by said individual using said credit card.
28. The credit card kit of claim 27, wherein said credit card reading device conveys to said individual when said purchase results in said credit line being exceeded.
29. The credit card kit of claim 14, further comprising a credit card reading device that reads said credit card when said credit card is being used by said individual.
30. The credit card kit of claim 29, wherein said credit card reading device conveys to said financial party the amount of a purchase made by said individual using said credit card.
31. The credit card kit of claim 30, wherein said credit card reading device conveys to said individual when said purchase results in said credit line being exceeded.
32. A method of using a credit card by an individual, said method comprising the steps of: a financial party granting an individual a line of credit upon receiving a security interest in property owned by said individual; said individual agreeing to convey said security interest in said property to said financial party; and said financial party issuing a credit card with said line of credit to said individual.
33. The method of claim 32, comprising the step of said individual using said credit card to purchase a product.
34. The method of claim 32, comprising the step of said individual using-said credit card to purchase a service.
35. The method of claim 32, wherein said property owned by said individual comprises a building.
36. The method of claim 35, wherein said building comprises a residential house.
37. The method of claim 32, wherein said property owned by said individual comprises real estate.
38. The method of claim 32, wherein said property owned by said individual comprises a financial instrument.
39. The method of claim 38, wherein said financial instrument comprises a stock.
40. The method of claim 38, wherein said financial instrument comprises a bond.
41. The method of claim 32, wherein said security interest comprises a mortgage.
42. The method of claim 32, wherein the value of said credit line is less than or equal to the value of said property.
43. The method of claim 33, further comprising the step of reading said credit card when said credit card is being used by said individual.
44. The method of claim 43, comprising the step of conveying to said financial party the amount of a purchase made by said individual using said credit card.
45. The method of claim 43, comprising the step of conveying to said individual when said purchase results in said credit line being exceeded.
PCT/US1998/025447 1997-12-01 1998-12-01 Credit card WO1999028850A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU19026/99A AU1902699A (en) 1997-12-01 1998-12-01 Credit card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US98073597A 1997-12-01 1997-12-01
US08/980,735 1997-12-01

Publications (2)

Publication Number Publication Date
WO1999028850A1 true WO1999028850A1 (en) 1999-06-10
WO1999028850A9 WO1999028850A9 (en) 1999-08-19

Family

ID=25527805

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1998/025447 WO1999028850A1 (en) 1997-12-01 1998-12-01 Credit card

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Country Link
AU (1) AU1902699A (en)
WO (1) WO1999028850A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120215680A1 (en) * 2005-01-20 2012-08-23 Infusit Financial services credit program

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5852811A (en) * 1987-04-15 1998-12-22 Proprietary Financial Products, Inc. Method for managing financial accounts by a preferred allocation of funds among accounts
US5866889A (en) * 1995-06-07 1999-02-02 Citibank, N.A. Integrated full service consumer banking system and system and method for opening an account

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5852811A (en) * 1987-04-15 1998-12-22 Proprietary Financial Products, Inc. Method for managing financial accounts by a preferred allocation of funds among accounts
US5866889A (en) * 1995-06-07 1999-02-02 Citibank, N.A. Integrated full service consumer banking system and system and method for opening an account
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120215680A1 (en) * 2005-01-20 2012-08-23 Infusit Financial services credit program

Also Published As

Publication number Publication date
AU1902699A (en) 1999-06-16
WO1999028850A9 (en) 1999-08-19

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