Mobile credit acquisition

Patent metadata

Field	Value
Publication number	US-10169775-B2
Application number	US-201514947803-A
Country	US
Kind code	B2
Filing date	Nov 20, 2015
Priority date	Aug 3, 2015
Publication date	Jan 1, 2019
Grant date	Jan 1, 2019

Abstract

A method for mobile credit acquisition is disclosed. The method deploys a shopping incentive offer, the shopping incentive offer for a shopping incentive. A device identifier associated with a user's mobile device is received in response to a user responding to the shopping incentive offer on the user's mobile device. In addition, a user identifier is received for the user. The device identifier and the user identifier are used to obtain user specific information useable for a credit prescreen. The shopping incentive is then provided to the user's mobile device. If the user does pass a credit prescreen, a pre-approved credit offer is also provided to the user via the user's mobile device in conjunction with the shopping incentive.

First claim

What is claimed is:

1. A non-transitory computer-readable storage medium having instructions embodied therein that when executed by one or more processors, cause a computer system to perform a method for mobile credit acquisition, the method comprising:
deploying a shopping incentive offer, said shopping incentive offer for a shopping incentive;
after deploying the shopping incentive offer, the method further comprising:
receiving, at the computer system and from a user's mobile device said shopping incentive offer, a device identifier associated with the user's mobile device;
receiving, at the computer system and from the user's mobile device said shopping incentive offer, a user identifier for a user;
utilizing, at the computer system, the device identifier and the user identifier to obtain a user specific information useable for a credit prescreen, the obtaining of the user specific information comprising:
contacting, via the computer system, a plurality of mobile carriers;
providing, via the computer system and to the plurality of mobile carrier, the device identifier to determine a specific mobile carrier providing service for said User's mobile device; and
providing, via the computer system and to the specific mobile carrier, the user identifier to obtain, from said specific mobile carrier, the user specific information;

utilizing, via the computer system, said user specific information to perform the credit prescreen;
providing, from the computer system and to the user's mobile device, the shopping incentive; and
providing, from the computer system and to the user's mobile device, a pre-approved credit offer in conjunction with said shopping incentive.

2. The non-transitory computer-readable storage medium of claim 1 , wherein said deploying said shopping incentive offer further comprises:
deploying said shopping incentive offer in a physical location within a retail store providing said shopping incentive.

3. The non-transitory computer-readable storage medium of claim 1 , wherein said deploying said shopping incentive offer further comprises:
deploying said shopping incentive offer to said user's mobile device when a location of said user's mobile device is in proximity to a retail store providing said shopping incentive.

4. The non-transitory computer-readable storage medium of claim 1 , further comprising:
receiving a phone number associated with said user's mobile device as said device identifier.

5. The non-transitory computer-readable storage medium of claim 1 , further comprising:
receiving a zip code as said user identifier.

6. The non-transitory computer-readable storage medium of claim 1 , wherein receiving a device identifier and receiving a user identifier further comprises:
receiving both said user identifier and said device identifier in a single response from said user's mobile device.

7. The non-transitory computer-readable storage medium of claim 1 , wherein said performing the credit prescreen further comprises:
providing, via the computer system, the user specific information to a credit reporting agency; and
receiving, at the computer system, a credit prescreen result from the credit reporting agency based on the provided user specific information.

8. The non-transitory computer-readable storage medium of claim 1 , further comprising:
providing an additional shopping incentive offer to said user, in conjunction with said shopping incentive and said pre-approved credit offer, said additional shopping incentive offer including a contingency such that an additional shopping incentive is only available after said user successfully completes the pre-approved credit offer.

9. The non-transitory computer-readable storage medium of claim 1 , further comprising:
providing a digital credit account identifier to said user's mobile device when said user successfully completes the pre-approved credit offer, said digital credit account identifier instantly available to be used as a form of payment.

Assignees

• Comenity Llc

Inventors

• Koltnow Adam
• Walz James

Classifications

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• H04W4/02

  Services making use of location information · CPC title

• G06Q40/025

  Physics · mapped topic

• G06Q30/0236 Primary

  Incentive or reward received by requiring registration or ID from user · CPC title

• H04W4/14

  Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD] · CPC title