Jpmorgan Chase Bank, N.a.

Maria Teresita Vicente

Manning R Field

Jennifer C McGarry

Frank Cawley Dragotta

Ryan Alan Jacoby

James Samuel Moed

Ian Michael Groulx

Joy Lynn Koppenhaver

Heather Margaret Emerson

Kevin Dame

A system and method providing a borrowing scheme. The method comprises the steps of: determining a designated event using the programmed computer processor; determining parameters associated with the designated event using the programmed computer processor; providing incentives to the user via the network, wherein the incentives comprise upgrades, discounts or access associated with the designated event; determining whether a transaction is associated with the designated event using the programmed computer processor; rewarding at least one benefit to the transactions associated with the designated event using the programmed computer processor; and allowing a user to selectively pay down transactions or balance amount(s) associated with the designated event.

System and method for providing borrowing schemes

A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.

A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one category of transaction designations from the user via the network, wherein each of the categories is associated with a portion of the time-based spending alert threshold designation; automatically allocating user transactions among the categories using the programmed computer processor; notifying the user via the network of the portion of the time-based spending alert threshold designation for a particular category that is being approached or surpassed; and automatically modifying the portion of the time-based spending alert threshold designation for the particular category for the upcoming period of time if the limit is surpassed, wherein the modification is performed by the programmed computer processor.

The method according to exemplary embodiments comprises establishing an interest-free revolving amount or account, establishing a periodic payment for maintaining the interest-free revolving amount or account, and automatically revising the interest-free revolving amount or account or the periodic payment based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via a network.

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Marlton, NJ, United States of America

Maria Teresita Vicente