{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-10504385","patent":{"patent_number":"US-10504385","title":"Systems and methods for providing credit coaching","assignee":null,"inventors":[],"filing_date":"2016-06-23T00:00:00.000Z","publication_date":"2019-12-10T00:00:00.000Z","cpc_codes":["G09B","G06Q","G06Q","G09B"],"num_claims":14,"abstract":"A computer-implemented method of providing educational messages to a consumer includes issuing a line of credit to the consumer. The method may include presenting a credit education course to the consumer; activating the line of credit; and/or processing a transaction payable on the line of credit. The method further includes generating a credit message based upon transaction data for the transaction, and/or presenting the credit message to the consumer, such as via their mobile device. As a result, credit coaching or education may be provided to, for example, teach consumers how credit works, protect them from common mistakes, and/or build confidence in handling credit. The credit messages may include information related to transaction values, credit limits, percent utilization, billing dates, interest rates, and/or other banking information associated with the consumer. Upgraded financial and insurance products may be offered or provided to the consumer over time based upon good financial behavior."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for providing credit coaching","description":"A computer-implemented method of providing educational messages to a consumer includes issuing a line of credit to the consumer. The method may include presenting a credit education course to the cons","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-10504385","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-10504385","citation_suggestion":"Patentable. \"Systems and methods for providing credit coaching\" (US-10504385). https://patentable.app/patents/US-10504385","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-10504385","json":"https://patentable.app/api/llm-context/US-10504385","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T15:36:16.831Z"}