Mobile number credit prescreen

Patent metadata

Field	Value
Publication number	US-10929924-B2
Application number	US-201615051526-A
Country	US
Kind code	B2
Filing date	Feb 23, 2016
Priority date	Aug 25, 2015
Publication date	Feb 23, 2021
Grant date	Feb 23, 2021

Abstract

A method for mobile number credit prescreen is disclosed. The method obtains a phone number associated with a customer's mobile device. The phone number is utilized to access a mobile carrier service and obtain identifying information about the customer. A credit reporting agency is accessed and the identifying information about the customer is used to perform a credit prescreen. In addition, when the customer passes the credit prescreen, the identifying information about the customer and a result of the credit prescreen are used to pre-fill a credit application form. The pre-filled credit application form in conjunction with a pre-approved credit offer is then provided to the customer.

First claim

What is claimed is:

1. A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computer system to perform a method for mobile number credit prescreen, the method comprising:
receiving a wireless broadcast at an in-store beacon, the wireless broadcast comprising a phone number associated with a customer's mobile device;
providing, to the computer system and from the in-store beacon, the phone number;
accessing, via the computer system, a mobile carrier service;
utilizing, via the computer system, the phone number to obtain identifying information about the customer from the mobile carrier service;
accessing, via the computer system, a credit reporting agency;
using, via the computer system and from the credit reporting agency, the identifying information about the customer to obtain a credit report;
using, at the computer system, the credit report to perform a credit prescreen;
utilizing, at the computer system, the identifying information about the customer and a result of the credit prescreen to pre-fill a credit application form; and
providing, from the computer system and to the customer's mobile device, the pre-filled credit application form in conjunction with a pre-approved credit offer.

2. The method of claim 1 , further comprising:
asking the customer a security question; and
not providing the pre-approved credit offer to the customer unless the security question is properly answered.

3. The method of claim 1 , further comprising:
obtaining the customer phone number surreptitiously.

4. The method of claim 1 further comprising:
using a matching service for porting the phone number to the mobile carrier to obtain the identifying information about the customer.

5. The method of claim 1 , further comprising:
obtaining a name and a current address as the identifying information.

6. The method of claim 1 , further comprising:
providing no pre-approved credit offer to the customer when the customer fails to pass the credit prescreen.

7. A mobile number credit prescreen system comprising:
an in-store beacon to receive a wireless broadcast from a customer's mobile device, the wireless broadcast comprising a phone number of the customer's mobile device, the wireless broadcast initiated by an application operating on the customer's mobile device;
a mobile carrier determiner to access a mobile carrier service and use the phone number of the customer's mobile device to obtain identifying information about the customer;
a credit prescreen module to access a credit reporting agency and use the identifying information about the customer to perform a credit prescreen; and
a credit application pre-fill module to utilizing the identifying information about the customer and a result of the credit prescreen to pre-fill a credit application form and provide, to the customer, the pre-filled credit application form in conjunction with a pre-approved credit offer.

8. The system of claim 7 wherein the pre-approved credit offer is not accessible on the customer's mobile device until the customer has correctly answered a security question.

9. The system of claim 7 wherein the in-store beacon receives the phone number of the customer's mobile device surreptitiously.

10. The system of claim 7 wherein the mobile carrier determiner uses a matching service for porting the phone number to the mobile carrier to obtain the identifying information about the customer.

11. The system of claim 7 wherein the mobile carrier determiner obtains a name and a current address as the identifying information.

12. The system of claim 7 wherein the credit application pre-fill module provides the pre-filled credit application form in conjunction with a pre-approved credit offer to the customer's mobile device.

13. The system of claim 7 wherein the credit application pre-fill module provides no pre-approved credit offer to the customer when the customer fails to pass the credit prescreen.

14. A non-transitory computer-implemented method for mobile number credit prescreen, the method comprising:
receiving, at an in-store beacon, a wireless broadcast from a customer's mobile device, the wireless broadcast initiated by an application operating on the customer's mobile device, the wireless broadcast comprising a phone number associated with the customer's mobile device;
providing, to a computer system and from the in-store beacon, the phone number;
accessing, via the computer system, a mobile carrier service;
utilizing, via the computer system, the phone number to obtain identifying information about the customer from the mobile carrier service;
accessing, via the computer system, a credit reporting agency;
using, via the computer system and from the credit reporting agency, the identifying information about the customer to obtain a credit report;
using, at the computer system, the credit report to perform a credit prescreen;
utilizing, at the computer system, the identifying information about the customer and a result of the credit prescreen to pre-fill a credit application form; and
providing, from the computer system and to the customer's mobile device, the pre-filled credit application form in conjunction with a pre-approved credit offer.

15. The non-transitory computer-implemented method of claim 14 , further comprising:
obtaining a name and a current address as the identifying information.

Assignees

• Comenity Llc

Inventors

• Koltnow Adam
• Walz James

Classifications

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title

• H04W4/14 Primary

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

• G06Q40/025 Primary

  Physics · mapped topic