Patent ID: 7509285
Filing Date: 2009-03-24
Classification: G06Q

Abstract:
1. A method for providing a credit card product, comprising: associating a financial account with an un-activated credit card that is provided to an applicant, wherein the associating is performed by a computer system configured to communicate with the applicant over a communication network; analyzing, by the computer system, a first response to a first risk splitting question provided to the applicant; generating, by the computer system, a second risk splitting question based on the first response for provision to the applicant, the second risk splitting question being configured to elicit additional information regarding subject matter associated with the first response; determining, by the computer system, a credit limit for the financial account based on the first response and a second response by the applicant to the second risk splitting question; and activating, by the computer system, the credit card with the credit limit.