Abstract: A system, computer program product and method for automated tool management in a multi-protocol environment. A user may issue a message in accordance with an object-oriented interapplication communication protocol to a corresponding application interface unit. The message may be a request to perform a particular action on a selected tool. The content of the message may be extracted by the corresponding application interface unit which may comprise data required by the requested action and a pointer to the object representing the tool. The application interface unit may invoke a method of the object pointed to by the pointers in the message. A value may then be procured by an equipment model where the value may be associated with particular information requested in the message about a tool or a notification informing the user that an event occurred. The equipment model may transfer the value to the appropriate user.

Abstract: The present invention is related to a method for issuing a credit card to a customer in combination with providing credit management information services for the customer. Customers are solicited by various means and a credit account is offered to the customer. The exact terms of the credit account offered depend on the creditworthiness of the customer. The customer also receives credit management information services including information as to what actions the customer could take to improve the customer's credit rating and improve the terms of the credit account. After a credit account is issued to the customer, the customer receives additional and on-going credit management information services, including credit management information based on the customer's use of the credit account.

Abstract: A system and method for extending a balance reduction offer to a set of borrowers selected from a pool is provided. A lender, for instance a financial institution issuing credit cards to a pool of borrowers, selects a subset of borrowers based upon a criterion. The balance reduction offer includes a financial incentive to encourage the borrower to accept the offer. When the borrower accepts the offer, the lender credits the account for a payment received. In one embodiment, an issuer of credit cards may employ the invention to facilitate selected borrowers transferring outstanding balances to another credit card. In such an embodiment, the borrower may complete the transaction with the assistance of a cash wire transfer company.

Abstract: The invention includes systems and methods for providing a credit account for debt recovery. A recovery credit account is provided for a customer with an existing charged-off debt. Some of the customer's charged-off debt may be forgiven as part of a settlement when the customer enrolls in the recovery credit account, but the opening balance of the recovery credit account will represent the entire debt obligation of the customer going forward. The recovery credit account includes a credit limit that is lower than the opening balance. Reducing the account balance to less than the credit limit triggers open-to-buy status, issuance of a credit card, and activation of over the limit fees for future balances over the credit limit.