Mobile credit acquisition

Patent metadata

Field	Value
Publication number	US-11488194-B2
Application number	US-201816195689-A
Country	US
Kind code	B2
Filing date	Nov 19, 2018
Priority date	Aug 3, 2015
Publication date	Nov 1, 2022
Grant date	Nov 1, 2022

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-implemented method for mobile credit acquisition, the method comprising:
deploying a shopping incentive offer, said shopping incentive offer for a shopping incentive;
responding electronically to said shopping incentive offer via a user's mobile device, said responding comprising:
providing a user identifier associated with a user of the user's mobile device; and
providing a device identifier associated with said user's mobile device;
receiving at a computer system of a credit provider and from said user's mobile device, said user identifier and said device identifier;
utilizing, at said computer system, said device identifier and said user identifier to obtain a user specific information, said obtaining of said user specific information comprising:
utilizing, at said computer system, said device identifier to determine a mobile carrier providing a service for said user's mobile device; and
providing, via said computer system and to said mobile carrier, said user identifier to obtain, from said mobile carrier, said user specific information;

utilizing, via said computer system, said user specific information to perform a credit prescreen; and

providing to said user's mobile device and from said computer system, a pre-approved credit offer in conjunction with said shopping incentive at said user's mobile device.

2. The non-transitory computer-implemented method 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-implemented method 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-implemented method 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-implemented method of claim 1 , further comprising:
receiving a zip code as said user identifier.

6. The non-transitory computer-implemented method of claim 1 , wherein receiving said device identifier and receiving said 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-implemented method of claim 1 , wherein said performing of said credit prescreen further comprises:
providing, via said computer system, said user specific information to a credit reporting agency; and
receiving, at said computer system, a credit prescreen result from said credit reporting agency based on said user specific information.

8. The non-transitory computer-implemented method 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 said additional shopping incentive is only available after said user successfully completes said pre-approved credit offer.

9. The non-transitory computer-implemented method of claim 1 , further comprising:
providing a digital credit account identifier to said user's mobile device when said user successfully completes said 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

• H04W4/021

  Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences · CPC title

• 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

• G06Q40/025

  Physics · mapped topic