Collecting and analyzing data from a mobile device

Patent metadata

Field	Value
Publication number	US-10157397-B2
Application number	US-201414584771-A
Country	US
Kind code	B2
Filing date	Dec 29, 2014
Priority date	Dec 29, 2014
Publication date	Dec 18, 2018
Grant date	Dec 18, 2018

Abstract

An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an analytics engine coupled with the data collection layer for determining one or more attribute about a user from the user data associated with the plurality of retail-branded credit cards.

First claim

The invention claimed is:

1. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions in an application that, when executed by one or more processors of a user's mobile device, cause the one or more processors to:
access a plurality of retail-branded credit cards stored in a memory of the user's mobile device;
determine a front end graphical user interface layer for a specific retail-branded credit card out of the plurality of retail-branded credit cards,
the front end graphical user interface layer capable of displaying any one of said plurality of retail-branded credit cards,
the front end graphical user interface layer presenting said specific retail-branded credit card on a display of the user's mobile device,
the front end graphical user interface layer presenting an animated digital watermark in conjunction with the presenting of the specific retail-branded credit card on the display,
a touch of the animated digital watermark on the display causes a visual message to be displayed on the display, the visual message to provide evidence that the specific retail-branded credit card on the display is not a fraudulent video capture of the specific retail-branded credit card on the display;

provide a single backend layer credit card functionality that can perform a credit card transaction for every one of the plurality of retail-branded credit cards,
the single backend layer credit card functionality to perform a credit card transaction associated with said specific retail-branded credit card after the animated digital watermark has been touched;

collect user data associated with said plurality of retail-branded credit cards; and
determine one or more buyer attributes about a user from said user data associated with said plurality of retail-branded credit cards.

2. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
utilize said single backend layer to perform every credit card transaction associated with all of said plurality of retail-branded credit cards; and
collect information associated with every said credit card transaction.

3. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
approve a credit issuance to said user; and
generate data associated with said plurality of retail-branded credit cards.

4. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
create a credit account for said user; and
provide, to said user via the display of the user's mobile device, customized offers based on the collected user data.

5. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
earn credit card rewards points associated with said user; and
provide, to said user via the display of the user's mobile device, customized offers based on said earned credit card rewards points.

6. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
buy items at a store associated with said specific retail-branded credit card; and
provide, to said user via the display of the user's mobile device, customized offers when said user is physically at said store.

7. The non-transitory computer-readable medium of claim 1 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive promotions associated with said specific retail-branded credit card.

Assignees

• Comenity Llc

Inventors

• Walz James

Classifications

• H04N2201/3233

  of authentication information, e.g. digital signature, watermark · CPC title

• G06Q20/3274

  using a pictured code, e.g. barcode or QR-code, being displayed on the M-device · CPC title

• G11B20/00884

  involving a watermark, i.e. a barely perceptible transformation of the original data which can nevertheless be recognised by an algorithm · CPC title

• H04N1/32144

  embedded in the image data, i.e. enclosed or integrated in the image, e.g. watermark, super-imposed logo or stamp · CPC title

• G06Q30/0207 Primary

  Discounts or incentives, e.g. coupons or rebates · CPC title