Electronic income tax refund system utilizing the tax refund to underwrite issuance of a secured credit card

摘要: Electronic data processing system for preparation of electronically filed tax returns and authorization payments refunds based on the supplied in those returns. programs are provided creating an electronic return that is with a collecting authority. At same time as created loan application processed to create deposit/loan account filer at authorized credit institution. The can receive or use refund collateral secured card. As early day after completion application, receives initial payment from account. institution files authority which processes transfers by fund transfer amount Any excess then forwarded filer. Provision also made checking worthiness