{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8489497","patent":{"patent_number":"US-8489497","title":"Online interactive and partner-enhanced credit card","assignee":null,"inventors":[],"filing_date":"2006-01-27T00:00:00.000Z","publication_date":"2013-07-16T00:00:00.000Z","cpc_codes":["G06Q"],"num_claims":25,"abstract":"An on-line interactive and partner-enhanced credit card application system is disclosed. The system utilizes partner-supplied data of an applicant in credit decision. The system structures an on-line credit card application interactively with a tree-type series of questions and answers such that the next set of questions are based on the answers given. The system offers an appropriate bounty to a partner by the credit card issuer based on the data supplied by the partner and obtained during the interactive questions and answers. The system enables a credit card issuer to make an optimum product offer such as pricing and credit line assignment. The system offers commercial incentives, and utilizes the partner-supplied data during a statement process to generate further revenue and ensure cardholder retention."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Online interactive and partner-enhanced credit card","description":"An on-line interactive and partner-enhanced credit card application system is disclosed. The system utilizes partner-supplied data of an applicant in credit decision. The system structures an on-line ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8489497","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-8489497","citation_suggestion":"Patentable. \"Online interactive and partner-enhanced credit card\" (US-8489497). https://patentable.app/patents/US-8489497","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8489497","json":"https://patentable.app/api/llm-context/US-8489497","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T16:50:36.830Z"}