Retail card application

Patent metadata

Field	Value
Publication number	US-2016110694-A1
Application number	US-201414585543-A
Country	US
Kind code	A1
Filing date	Dec 30, 2014
Priority date	Oct 16, 2014
Publication date	Apr 21, 2016
Grant date	—

Abstract

An application platform configurable for processing a plurality of retail-branded credit cards is provided. Embodiments include a configurable front end comprising a graphical user interface layer that is configurable to a specific one of a 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 and a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards.

First claim

1 . An application platform configurable for processing a plurality of retail-branded credit cards comprising:
a configurable front end comprising a graphical user interface layer that configurable to a specific one of said plurality of retail-branded credit cards; a backend layer comprising credit card functionality for directly performing credit card transactions associated with said specific one of said plurality of retail-branded credit cards; and a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards.

2 . The application platform of claim 1 wherein front end provides location specific promotional ads to said user based on said location information associated with said user.

3 . The application platform of claim 1 wherein front end provides reward points to said user in response to said user completing a transaction using said specific one of said plurality of retail-branded credit cards.

4 . The application platform of claim 1 wherein front end provides a payment interface that enables said user to pay a bill associated with said specific one of said plurality of retail-branded credit cards.

5 . The application platform of claim 1 wherein front end provides a mobile receipt associated a transaction using said specific one of said plurality of retail-branded credit cards to said user.

6 . The application platform of claim 1 wherein front end provides a gift card store front that enables said user to purchase a gift card using said specific one of said plurality of retail-branded credit cards.

7 . The application platform of claim 1 further comprising:
a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for approving credit issuance to said user.

8 . The application platform of claim 1 further comprising:
a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for creating a credit account for said user.

9 . The application platform of claim 1 further comprising;
a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for using earned credit card rewards points associated with said user.

10 . The application platform of claim 1 further comprising:
a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for buying items at a store associated with said specific one of said plurality of retail-branded credit cards.

11 . The application platform of claim 1 further comprising:
a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for receiving promotions associated with said specific one of said plurality of retail-branded credit cards.

12 . A method of applying for credit on a mobile device comprising:
accessing an application form for entering user information needed for a user to apply for credit for one of said plurality of retail-branded credit cards; receiving approval of credit from said one of said plurality of retail-branded credit cards, said approval including an invitation to download a retail credit card application; downloading said retail credit card application on a mobile device associated with said user; using said retail credit card application to make a purchase at a retail outlet associated with said one of said plurality of retail-branded credit cards; and receiving user specific loyalty rewards provided to said user on said mobile device.

13 . The method of claim 12 further comprising:
using said loyalty reward points associated with said one of said plurality of retail-branded credit cards to make said purchase from said mobile device.

14 . The method of claim 12 further comprising:
making a mobile payment associated with said purchase from said mobile device.

15 . The method of claim 12 further comprising:
purchasing a gift card using said one of said plurality of retail-branded credit cards from said mobile device.

16 . The method of claim 12 further comprising:
accessing a mobile receipt associated with said purchase from said mobile device.

17 . The method of claim 12 further comprising:
activating a credit card account tied to said user using said retail card application on said mobile device associated with said user.

18 . The method of claim 12 further comprising:
managing earned credit card rewards points associated with said user using said retail credit card application.

19 . The method of claim 12 further comprising:
receiving promotional information associated with said one of said plurality of retail-branded credit cards using said retail credit card application.

20 . A computer-implemented method for mobile credit-based purchases, said method comprising:
downloading a retail-branded credit card application on a mobile device associated with a user; displaying a mobile payment card on a display screen of said mobile device, wherein said mobile payment card is linked to a payment system for processing transactions associated with a plurality of different retail-brand credit cards; using said mobile payment card on said mobile device to make a purchase at a retail outlet associated with said one of said plurality of different retail-brand credit cards; and receiving loyalty promotion in response to making said purchase.

21 . The computer-implemented method of claim 20 wherein said loyalty promotion is selected based on a location of said user.

22 . The computer-implemented method of claim 20 further comprising:
displaying optically machine-readable information for access to an account associated with said user.

23 . The computer-implemented method of claim 20 further comprising:
accessing an application form for entering user information needed for a user to apply for credit for one of said plurality of different retail-brand credit cards.

24 . The computer-implemented method of claim 20 further comprising:
displaying approval of credit from said one of said plurality of different retail-brand credit cards.

25 . The computer-implemented method of claim 20 further comprising:
activating a credit card account associated with said user using said retail card application on said mobile device associated with said user.

26 . The computer-implemented method of claim 20 further comprising:
managing earned credit card rewards points associated with said user using said retail credit card application.

27 . The computer-implemented method of claim 20 further comprising:
making a payment for said purchase using said retail credit card application.

Assignees

• Comenity Llc

Inventors

• Walz James
• Nack David

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q30/0261

  based on user location · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/102 Primary

  Bill distribution or payments · CPC title

• G06Q30/0226

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title