Note: Descriptions are shown in the official language in which they were submitted.
Apr 09, 2020 03:03 PM To: 18199532476 Page 5/20 From: PCK Intellectual
Property
APPLYING FOR A CREDIT CARD ACCOUNT ON A MOBILE DEVICE
RELATED APPLICATIONS
[0001] This application is related to and claims priority to and the benefit
of U.S.
Application No.14/556,842, filed on December 1, 2014, entitled "APPLYING FOR A
CREDIT CARD ACCOUNT ON A MOBILE DEVICE," by James Walz, and U.S.
Application No.14/556,915, filed on December 1, 2014, entitled "PRE-POPULATING
A
CREDIT CARD NUMBER FIELD," by James Walz.
BACKGROUND
[0002] In some conventional systems, there are various limitations to
utilizing a digital
credit card with a mobile device. For example, the functionality of various
mobile
applications does not allow for applying for a credit card via a mobile device
or
redeeming loyalty rewards via the mobile device.
[0003] Moreover, in some instances, a digital credit card number is accessible
on a
mobile device. However, the credit card number on the mobile device is not
advantageous for online purchases.
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BRIEF DESCRIPTION OF THE DRAWINGS
[0004] The accompanying drawings, which are incorporated in and form a part of
this
specification, illustrate various embodiments and, together with the
Description of
Embodiments, serve to explain principles discussed below. The drawings
referred to in
this brief description of the drawings should not be understood as being drawn
to scale
unless specifically noted.
[0005] Figure 1 is a block diagram that illustrates an embodiment of a mobile
device
system.
[0006] Figure 2 is a block diagram that illustrates an embodiment of a mobile
device
system.
[0007] Figure 3 depicts an embodiment of a screenshot for pre-population of
credit
card information.
[0008] Figure 4 is a block diagram that illustrates an embodiment of a system
for
redeeming rewards via a mobile device.
[0009] Figure 5 depicts a flow diagram for a method for applying for a credit
card
account on a mobile device, according to various embodiments.
[0010] Figure 6 depicts a flow diagram for a method for applying for a credit
card
account on a mobile device, according to various embodiments.
[0011] Figure 7 depicts a flow diagram for a method for pre-populating a
credit card
number field, according to various embodiments.
[0012] Figure 8 depicts a flow diagram for a method for pre-populating a
credit card
number field, according to various embodiments.
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DESCRIPTION OF EMBODIMENTS
[0013] Reference will now be made in detail to various embodiments, examples
of
which are illustrated in the accompanying drawings. While various embodiments
are
discussed herein, it will be understood that they are not intended to be
limiting. On the
contrary, the presented embodiments are intended to cover alternatives,
modifications
and equivalents, which may be included within the spirit and scope the various
embodiments as defined by the appended claims. Furthermore, in this
Description of
Embodiments, numerous specific details are set forth in order to provide a
thorough
understanding. However, embodiments may be practiced without one or more of
these
specific details. In other instances, well known methods, procedures,
components, and
circuits have not been described in detail as not to unnecessarily obscure
aspects of the
described embodiments.
I. Credit Card Application via a Mobile Device
[0014] Figure 1 depicts system 100 that, among other things, enables for
credit card
applications via mobile device 110. That is, system 100 enables processes
related to
application for a credit card, registration of a credit card, and use of a
credit card
through a mobile application executing on a mobile device.
[0015] The credit card, in one embodiment, is a private label credit card. A
private
label credit card is branded for a specific retailer, independent dealer or
manufacturer.
A third-party, such as the card issuer, issues the cards and collects the
payments from
cardholders.
[0016] It should be appreciated that the credit card application process, as
described
herein, may also be accomplished at a kiosk or similar computing device at a
retail
store.
[0017] Additionally, system 100 provides for mobile experiences that allow
consumers
to go from being a non-credit customer to being a customer that can use a
credit card.
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[0018] System 100 includes mobile device 110 that includes various components
such as, but not limited to, display 112, processor 114, memory 116 and
various mobile
applications (e.g., mobile application 120) that are downloaded and executable
on
mobile device 110.
[0019] Mobile device 110 can be any mobile computing device such as a mobile
phone, smart phone, PDA, computing tablet (e.g., iPad), etc.
[0020] Mobile application 120 is an application that is downloaded on mobile
device
110 and is executed by processor 114.
[0021] In one embodiment, mobile application 120 may be provided by a
retailer,
such as any retailer that provides goods (e.g., apparel, accessories) for sale
via online
and/or via brick and mortar stores.
[0022] In another embodiment, mobile application 120 is provided by a credit
card
issuer that issues and processes credit cards for various credit card
programs.
[0023] Mobile application 120 includes various modules related to obtaining
and
utilizing a credit card account.
[0024] Credit card application module 122 is configured to facilitate in
processing a
credit card application via mobile application 120 executing on mobile device
110.
[0025] It is noted that a user can apply for a credit card at any location
where the
mobile device is able to receive the requisite cell phone service or Internet
service. For
example, the user may apply for a credit card when the user is not in a brick
and mortar
store of a given retailer at which the credit card may be used.
[0026] Module 122 may prompt a user for credit application information. In one
embodiment, the credit card application is numerical information (e.g.,
address, social
security number, zip code, date of birth, etc.). Alternatively, module 122 may
prompt a
user for non-numerical information (e.g., name).
[0027] Additionally, mobile device 110 may enable interactive voice response
(IVR).
For example, a user may be prompted for credit application information and the
user
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may speak the answer. As such, the IVR functionality enables mobile device 110
to
recognize the speech of the user and translate the speech into entered data in
the
credit card application form.
[0028] Mobile device 110 may be owned by the user who is applying for the
credit
card. Accordingly, the user may enter the personal credit application
information in
privacy. As a result, the personal credit application information is not
written down and
cannot be viewed by others and potentially used for nefarious means.
[0029] The user provides the credit application information via display 112.
For
example, the user types in the information on display 112 which is a touch
screen
display.
[0030] The information is transmitted to credit card application system 130
for
processing. System 130 processes the provided credit application information
to
determine if the user is qualified for a credit account.
[0031] System 130 can include a credit bureau or consumer reporting agency
(e.g.,
Experian, Equifax, etc.) that provides a credit score or other credit
determinative
analysis based on the provided credit application information. Additionally,
system 130
is managed/controlled by the credit card issuer.
[0032] If the credit card application is approved, the approval is transmitted
to credit
card application module 122 from credit card application system 130. The
approval is
then presented to the user via display 122. The approval and/or disapproval of
the
credit card application is displayed to user on mobile device 110. As a
result, approval
and/or disapproval is also kept private.
[0033] Once approved for a credit card, the user may progress through various
other
credit card related processes via the mobile device, such as, applying for a
credit card
to creating/registering a credit card management account, enrolling for a
digital credit
card, such as digital credit card 121.
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[0034] A digital or electronic credit card is an electronic or digital version
of a physical
credit card.
[0035] The credit card account enables a user to make payments with the credit
card
payment system 140 which manages and controls the credit card account. For
example, credit card payment system 140 is managed and controlled by the card
issuer, such as a private label card issuer.
[0036] The digital credit card, in one embodiment, is displayed via display
112. The
digital credit card may display the credit card number.
[0037] Digital credit card 128 can be any digital credit card that is able to
be displayed
on display 112 and utilized for purchases. In one embodiment, digital credit
card 128 is
implemented via application 120. When a user of device 110 selects application
120 to
be utilized, processor 114 executes application 120 such that digital credit
card 128 is
eventually displayed on display 112.
[0038] It should be appreciated that the application form or link to the
application form
may accessed by various means.
[0039] In one embodiment, a user may scan a QR code or the like. For example,
a
user scans a QR code at a retail store by a scanning feature on mobile device
110. In
response, a link to the application form or the application form is displayed
to the user
via mobile device 110. The user is then able to complete the application from
the
mobile device.
[0040] In another embodiment, a link to the application form may be accessed
by text
messaging functionality supported by mobile device 110.
[0041] For example, a text may be sent to the user and received on mobile
device
110. The text may include a link to the credit card application form. In
response to the
user selecting the link on the text, the application form is displayed to the
user via
mobile device 110.
II. Cloud-Based Digital Credit Card
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[0042] In some instances, at the time of an online purchase of items (e.g.,
goods,
services, etc.), the credit card number may not be available or known. For
example, a
user cannot locate his/her credit card in order to enter the credit card
information at the
online checkout.
[0043] Additionally, some retailers are only an ecommerce retailer. That is,
they do
not have a brick and mortar retail location. Moreover, a digital credit card
may not be of
benefit to the user for purchasing items from the retailer because the credit
card
information typically has to be manually entered at the online checkout to
purchase the
items from the retailer.
[0044] Figure 2 depicts system 200 that enables for a cloud-based digital
credit card
such that the credit card information may be pre-populated (if needed) in a
relevant field
at an online checkout.
[0045] Additionally, Figure 3 depicts an embodiment of a screenshot of online
checkout 300. Online checkout 300 prompts a user for information in order to
purchase
items online. In particular, online checkout prompts a user for a credit card
number to
be entered in field 312. It should be appreciated that online checkout 300 may
include
fields requesting various information such as, but not limited to, name,
address, email
address, etc.
[0046] Referring to at least Figures 2 and 3, a user shops online for items on
device
210 by viewing and selecting items displayed on display 212. The user intends
to
purchase the items online from a retailer that enables purchase of the items.
The
retailer, in one embodiment, is an ecommerce only retailer.
[0047] While at online checkout 300, the user intends to purchase the items
with a
credit card (e.g., digital credit card 121). However, the user is unable to
provide the
particular credit card number at the checkout for purchasing the desired
items.
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[0048] Online checkout 300 may enable a user to select the type of credit card
to use,
such as, Visa, MasterCard, or a private label credit card. The private label
credit card
may be associated with the retailer of the items that the user intends to
purchase.
[0049] Moreover, online checkout 300 may query a user to determine if the user
is
able to enter the credit card number for the credit card the user intends to
use. If the
user is unable to provide the credit card number in field 312, the user
selects a button
or the like to indicate that he/she cannot provide the credit card number.
[0050] In one embodiment, in response to a user indicating that he/she is
unable to
provide the credit card number in field, a pop-up window is displayed that
prompts a
user for a username and password to access credit card system 220. Credit card
system 212 includes credit card information 222 (e.g., credit card number)
that is
associated with the credit card that the user intends to use.
[0051] Credit card system 220, in one embodiment, is or includes credit card
payment
system 140. Credit card system 220 may be managed and controlled by the card
issuer, such as a private label card issuer.
[0052] Responsive to accessing credit card system 220, credit card information
(e.g.,
credit card number) is pre-populated into field 312. As a result, credit card
number may
be pre-populated into an online checkout and the user may purchase items
without
manually entering a credit card number into the online checkout.
[0053] In various embodiments, the functionality of pre-populating a credit
card
number, as described herein, may be provided via an application programming
interface (API). The API may be created by the card issuer and coupled with
the retail
website.
III. Rewards Redemption via a Mobile Device
[0054] A user may a member of a loyalty program associated with a credit card,
such
as a private label credit card. In general, a loyalty program is a structured
marketing
effort that rewards, and therefore encourages, loyal buying behavior
associated with the
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credit card (e.g., digital credit card 121). Some rewards include, but are not
limited to,
discounts, coupons, etc. For example, upon accumulating "points" with loyalty
program,
the user may redeem a reward (e.g., a coupon to purchase an item at a lower
price)
based on the accumulation the "points."
[0055] Figure 4 depicts a block diagram of loyalty program system 420
communicatively coupled to device 410 such that reward 414 of the loyalty
program are
enabled to be redeemed via device 410.
[0056] Loyalty program system 420 manages/controls the loyalty program that is
associated with the credit card (e.g., private label credit card). The issuer
of the credit
card may control the loyalty program system.
[0057] Reward 414 (e.g., coupon) is displayed on device 410. Reward 414 may be
presented to a sales associate (similar to digital credit card 121) and the
reward may be
redeemed.
[0058] Reward 414 may be in the form of a digital gift card, digital coupon,
etc.
[0059] Reward 414 may include a barcode (e.g., QR code). As such, reward 414
may
be scanned to be redeemed.
[0060] Digital credit card 121 is displayed on the mobile device. The digital
credit
card may present information to the user regarding the loyalty program, such
as the
number points, coupons, etc.
[0061] In one embodiment, the digital credit card includes a button that
enables the
redemption of the rewards of the loyalty program. For example, the digital
credit card
displays "You have 1000 points!" In response to selecting a button associated
with the
displayed text, reward 414 (e.g., a coupon) is displayed on mobile device 410.
The
reward may then be redeemed. If the reward is a coupon for a particular item,
the
coupon may be redeemed for purchase of the item at a lower price.
IV. Storing a Digital Credit Card on a Mobile Device
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[0062] In some conventional mobile devices, information that is displayed on
the
mobile device while the mobile device in "on-line" or has internet
connectivity (either
through cell phone service, wifi connectivity, etc.) may not be able to be
accessed and
displayed when the mobile device is "off-line" or does not have internet
connectivity.
For instance, a mobile device may be able to display a digital credit card
when the
mobile device has internet connectivity. However, when the mobile device does
not
have internet connectivity the digital credit card is unable to be displayed.
[0063] A device may be off-line at various instances. For example, the mobile
device
is in a "dead spot" and cannot receive signal from the cell phone service. In
another
example, in a "captive portal," a mobile device may be connected to a WiFi
signal but
the mobile device is not authenticated. As a result, the mobile device acts as
if it were
off-line in some scenarios.
[0064] In contrast, referring to Figure 1, digital credit card 121 is able to
be displayed
on mobile device 110 when mobile device does have and does not have
connectivity
(e.g., on-line or off-line).
[0065] For example, digital credit card 121 is stored in local memory 116 of
mobile
device 110. Accordingly, digital.credit card 121 is accessible from memory 116
and is
able to be displayed when the mobile device is off-line.
[0066] In one embodiment, digital credit card 121 (or the credit card number
of the
digital credit card) is encrypted when stored on the mobile device. The
digital credit
card may be stored and encrypted for a period of time. After such period of
time, the
digital credit card may be stored again in memory for use when the mobile
device is off-
line.
[0067] Digital credit card 121 (or the credit card number of the digital
credit card), in
one embodiment, is available for storage on mobile device 110 when the user
logs into
mobile application and gains access to digital credit card 121.
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[0068] It should be appreciated that the local storage of digital credit card
121 is
configurable. That is, a user may select the option to store the digital
credit card locally
or may select the option that the digital credit card may not be stored
locally.
V. Managing a Digital Credit Card on a Mobile Device via Text Messaging
[0069] Digital credit card 121, in one embodiment, may be managed on mobile
device
via a mobile application that acts like a digital wallet (e.g., Passbook). In
general,
Passbook is an application in iOS that allows users to store coupons, boarding
passes,
event tickets, store cards, 'generic' cards and other forms of mobile payment.
Accordingly, Passbook or the like provides a single location for access of
various items.
[0070] In various embodiments, digital credit card 121 may be located in the
digital
wallet via a text message. For example, a text message is received at mobile
device
110. The text message includes a link to a webpage. The webpage enables the
digital
credit card to be added to the digital wallet on the mobile device.
[0071] In another embodiment, various offers (e.g., coupons) may be located
in the
digital wallet via a text message. For example, a text message is received at
mobile
device 110. The text message includes a link to a webpage. The webpage enables
the
offers (e.g., coupons) to be added to the digital wallet on the mobile device.
VI. Utilizing Biometrics with a Digital Credit Card
[0072] Transactions involving digital credit card 121 may be authenticate by
biometrics. In some instances, the biometrics may take the place of standard
user ID
and password authentications. Biometrics can include, but are not limited to,
thumb
print scanning, voice detection, heart rate monitoring, etc.
[0073] In one scenario, a user intends to purchase an item with digital credit
card 121
located on mobile device 110. In order to unlock mobile device 110 (rather
than provide
a passcode or the like), the user provides a thumbprint on a scanning device
on mobile
device 110 to unlock the phone.
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[0074] The user then selects mobile application 120 to access digital credit
card 121.
In order to authenticate the user, the user provides a thumbprint. If the user
is
authenticated via the provide thumbprint, the application continues to execute
and the
digital credit card 121 is displayed on display 112.
VII. Example Methods of Operation
[0075] The following discussion sets forth in detail the operation of some
example
methods of operation of embodiments. With reference to Figures 5, 6, 7 and 8,
flow
diagrams 500, 600, 700 and 800 illustrate example procedures used by various
embodiments. Flow diagrams 500-800 include some procedures that, in various
embodiments, are carried out by a processor under the control of computer-
readable
and computer-executable instructions. In this fashion, procedures described
herein and
in conjunction with diagrams 500-800 are, or may be, implemented using a
computer, in
various embodiments. The computer-readable and computer-executable
instructions
can reside in any tangible computer readable storage media. Some non-limiting
examples of tangible computer readable storage media include random access
memory, read only memory, magnetic disks, solid state drives/"disks," and
optical disks,
any or all of which may be employed with computer environments and/or cloud
environments. The computer-readable and computer-executable instructions,
which
reside on tangible computer readable storage media, are used to control or
operate in
conjunction with, for example, one or some combination of processors of the
computer
environments and/or cloud environment. It is appreciated that the processor(s)
may be
physical or virtual or some combination (it should also be appreciated that a
virtual
processor is implemented on physical hardware). Although specific procedures
are
disclosed in diagrams 500-800, such procedures are examples. That is,
embodiments
are well suited to performing various other procedures or variations of the
procedures
recited in diagrams 500-800. Likewise, in some embodiments, the procedures in
diagrams 500-800 may be performed in an order different than presented and/or
not all
of the procedures described in one or more of these flow diagrams may be
performed.
It is further appreciated that procedures described in diagrams 500-800 may be
implemented in hardware, or a combination of hardware with firmware and/or
software.
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[0076] Figure 5 depicts a process flow diagram 500 for a method for applying
for a
credit card account on a mobile device, according to various embodiments.
[0077] At 510, a user is prompted for credit application information via the
mobile
device for processing of a credit card application, wherein the credit
application
information is numerical information. For example, a credit card form requires
numerical information (e.g., date of birth, house number, zip code, social
security
number, etc.) to be filled in to complete the credit card application. The
user of the
mobile device is prompted for the numerical information to completely the
credit card
application.
[0078] At 520, receive the credit application information at the mobile
device. For
example, the user enters in the credit card application information at the
mobile device
in response to being prompted for the information.
[0079] At 530, present approval of a credit card account based on the credit
application information at the mobile device. For example, if the credit card
application
is approved, then the approval is displayed to the user.
[0080] At 540, display a link to an application form at the mobile device. For
example,
a user receives a text message that includes a link to the credit card
application. When
the link is selected the application is displayed to the user.
[0081] At 550, display the credit card application at the mobile device. For
example,
credit card application module 122 displays a credit card application to the
user.
[0082] At 560, redeem a reward at the mobile device, wherein the reward is
associated with the credit card account. For example, a user accumulates
points in a
loyalty program associated with digital credit card 121. Accordingly, the user
may
redeem reward 414 (e.g., a coupon) for obtaining a predetermined number of
points.
[0083] At 570, store a digital credit card associated with the credit card
account at the
mobile device. For example, digital credit card 121 is stored in memory 116 of
mobile
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device 110. Accordingly, digital credit card 121 may be accessed and displayed
when
mobile device is off-line.
[0084] At 580, store a digital credit card associated with the credit card
account at the
mobile device via text messaging. For example, a user receives a text message
that
includes a link to a website, wherein the website enables the storage of
digital credit
card or other payment features (e.g., coupons) to be stored on mobile device
110. The
storage of the digital credit card or other payment features may be provided
by the
Passbook mobile application.
[0085] At 590, authenticate the user with biometrics. For example, when a user
is
utilizing digital credit card 121 for a payment method, the user may be
required to be
authenticated via a thumbprint.
[0086] It is noted that any of the procedures, stated above, regarding flow
diagram
500 may be implemented in hardware, or a combination of hardware with firmware
and/or software. For example, any of the procedures are implemented by a
processor(s) of a cloud environment and/or a computing environment.
[0087] Figure 6 depicts a process flow diagram 600 for applying for a credit
card
account on a mobile device, according to various embodiments.
[0088] At 610, access user input of credit application information via the
mobile device
for processing of a credit card application, wherein the credit application
information is
numerical information. For example, the user enters in the credit card
application
information at the mobile device in response to being prompted for the
information. The
entered information is accessed by credit card application module 122 for
further
processing of the credit card application.
[0089] At 620, input the credit card information in the credit card
application via the
mobile device, wherein the credit card application is for establishing a
credit card
account. For example, the user input is accessed by credit card application
module 122
and automatically entered into the credit card application.
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[0090] At 630, present approval of a credit card account based on the credit
application information at the mobile device. For example, if the credit card
application
is approved, then the approval is displayed to the user.
[0091] At 640, display a link to an application form at the mobile device. For
example,
a user receives a text message that includes a link to the credit card
application. When
the link is selected the application is displayed to the user.
[0092] At 650, display the credit card application at the mobile device. For
example,
credit card application module 122 displays a credit card application to the
user.
[0093] At 660, redeem a reward at the mobile device, wherein the reward is
associated with the credit card account. For example, a user accumulates
points in a
loyalty program associated with digital credit card 121. Accordingly, the user
may
redeem reward 414 (e.g., a coupon) for obtaining a predetermined number of
points.
[0094] At 670, store a digital credit card associated with the credit card
account at the
mobile device. For example, digital credit card 121 is stored in memory 116 of
mobile
device 110. Accordingly, digital credit card 121 may be accessed and displayed
when
mobile device is off-line.
[0095] At 680, store a digital credit card associated with the credit card
account at the
mobile device via text messaging. For example, a user receives a text message
that
includes a link to a website, wherein the website enables the storage of
digital credit
card or other payment features (e.g., coupons) to be stored on mobile device
110. The
storage of the digital credit card or other payment features may be provided
by the
Passbook mobile application.
[0096] At 690, authenticate the user with biometrics. For example, when a user
is
utilizing digital credit card 121 for a payment method, the user may be
required to be
authenticated via a thumbprint.
[0097] It is noted that any of the procedures, stated above, regarding flow
diagram
600 may be implemented in hardware, or a combination of hardware with firmware
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and/or software. For example, any of the procedures are implemented by a
processor(s) of a cloud environment and/or a computing environment.
[0098] Figure 7 depicts a process flow diagram 700 for applying for pre-
populating a
credit card number field, according to various embodiments.
[0099] At 710, store a credit card number at a remote location by a credit
card issuer.
For example, the card issuer of digital credit card 121 stores credit card
information 222
in credit card system 220.
[00100] At 720, pre-populate a credit card number field with the stored credit
card
number for an online payment, wherein the pre-populating is provided by the
credit card
issuer. For example, if a user is not able to manually enter the credit card
number in
field 312, then the user can provide instructions to have the credit card
number
automatically pre-populated in field 312.
[00101] At 730, authenticate a user associated with the credit card number
prior to the
pre-populating. For example, prior to pre-populating field 312, the user is
authenticated. In particular, a user provides a usemame and password to be
authenticated by credit card system 220.
[00102] It is noted that any of the procedures, stated above, regarding flow
diagram
700 may be implemented in hardware, or a combination of hardware with firmware
and/or software. For example, any of the procedures are implemented by a
processor(s) of a cloud environment and/or a computing environment.
[00103] Figure 8 depicts a process flow diagram 800 for applying for pre-
populating a
credit card number field, according to various embodiments.
[00104] At 810, issue a credit card by a credit card issuer to a user. For
example, a
credit card issuer issues a credit card to the user.
[00105] At 820, store a credit card number of the credit card by the credit
card issuer.
For example, the card issuer of digital credit card 121 stores credit card
information 222
in credit card system 220.
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[00106] At 830, pre-populating a credit card number field with the stored
credit card
number for an online payment, wherein the pre-populating is provided by the
credit card
issuer. For example, if a user is not able to manually enter the credit card
number in
field 312, then the user can provide instructions to have the credit card
number
automatically pre-populated in field 312.
[00107] At 840, authenticate the user prior to the pre-populating. For
example, prior to
pre-populating field 312, the user is authenticated. In particular, a user
provides a
username and password to be authenticated by credit card system 220.
[00108] It is noted that any of the procedures, stated above, regarding flow
diagram
800 may be implemented in hardware, or a combination of hardware with firmware
and/or software. For example, any of the procedures are implemented by a
processor(s) of a cloud environment and/or a computing environment.
[00109] Example embodiments of the subject matter are thus described. Although
various embodiments of the have been described in a language specific to
features
and/or methodological acts, it is to be understood that the appended claims
are not
necessarily limited to the specific features or acts described above. Rather,
the specific
features and acts described above are disclosed as example forms of
implementing the
claims and their equivalents. Moreover, examples and embodiments described
herein
may be implemented alone or in various combinations with one another.
[00110] All elements, parts and steps described herein are preferably
included. It is to
be understood that any of these elements, parts and steps may be replaced by
other
elements, parts and steps or deleted altogether as will be obvious to those
skilled in the
art,
17
CONCEPTS
Concept 1. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a link to a credit card application in
response to
said scanning of said QR code;
accessing, via said mobile device, said credit card application in response to
selecting said link;
prompting, via said mobile device, a user for credit application information
for
processing said credit card application, wherein said credit application
information is
numerical information;
receiving, at said mobile device, said credit application information;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device is not wirelessly
connected.
Concept 2. The computer-implemented method of Concept 1, wherein said mobile
device is personal property of said user.
Concept 3. The computer-implemented method of Concept 1, comprising:
displaying said link to said credit card application at said display of said
mobile
device.
Concept 4. The computer-implemented method of Concept 1, comprising:
displaying said credit card application on a display of said mobile device.
Concept 5. The computer-implemented method of Concept 1, comprising:
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redeeming a reward at said mobile device, wherein said reward is associated
with said credit card account.
Concept 6. The computer-implemented method of Concept 1, comprising:
storing a digital credit card associated with said credit card account at said
mobile device, in part, via text messaging.
Concept 7. The computer-implemented method of Concept 1, comprising:
authenticating said user with biometrics.
Concept 8. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a link to a credit card application in
response to
said scanning of said QR code;
accessing, via said mobile device, said credit card application in response to
selecting said link;
accessing, via said mobile device, user input of credit application
information for
processing said credit card application, wherein said credit application
information is
numerical information; and
inputting, via said mobile device, said credit card information in said credit
card
application, wherein said credit card application is for establishing a credit
card account;
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device is not wirelessly
connected.
Concept 9. The computer-implemented method of Concept 8, comprising:
presenting approval of a credit card account based on said credit application
information at said mobile device.
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Concept 10. The computer-implemented method of Concept 8, wherein said mobile
device is personal property of a user.
Concept 11. The computer-implemented method of Concept 8, comprising:
displaying said link to said credit card application at said display of said
mobile
device.
Concept 12. The computer-implemented method of Concept 8, comprising:
displaying said credit card application at said mobile device.
Concept 13. The computer-implemented method of Concept 8, comprising:
redeeming a reward at said mobile device, wherein said reward is associated
with said credit card account.
Concept 14. The computer-implemented method of Concept 8, comprising:
storing a digital credit card associated with said credit card account at said
mobile device, in part, via text messaging.
Concept 15. The computer-implemented method of Concept 8, comprising:
authenticating a user with biometrics.
Concept 16. A computer-implemented method for pre-populating a credit card
number
field, comprising:
storing at a remote computing device associated with a credit card issuer, a
credit card number;
receiving, at the remote computing device and from a local computing device, a
request for the remote computing device to automatically provide the credit
card number
to a credit card number field of an online website,
CA 2909392 2018-03-29
the request indicating that a user of the local computing device is unable
to manually provide the credit card number to a credit card number field of
the
online website;
providing, from the remote computing device and to the local computing device
and, a request for an authentication of the user;
receiving, at the remote computing device and from the local computing device,
an authentication information for the user,
the authentication information for the user comprising: a biometric
information about the user; and
pre-populating, by the remote computing device and after the authentication of
the user, the credit card number field of the online website with said stored
credit card
number.
Concept 17. The computer-implemented method of Concept 16, comprising:
authenticating the user associated with said credit card number prior to said
pre-
populating.
Concept 18. The computer-implemented method of Concept 16, wherein said credit
card number is of a private label credit card.
Concept 19. The computer-implemented method of Concept 16, wherein said credit
card number is of a digital credit card.
Concept 20. The computer-implemented method of Concept 16, wherein an online
checkout comprises said credit card number field.
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Concept 21. The computer-implemented method of Concept 16, wherein said online
website is an ecommerce only retailer.
Concept 22. A computer-implemented method for pre-populating a credit card
number
field, comprising:
issuing a credit card by a credit card issuer to a user;
storing, at a remote computing device associated with a credit card issuer, a
credit card number of said credit card;
receiving an indication, at a local computing device, that the user is unable
to
manually provide the credit card number to a credit card number field of an
online
website;
providing, from the local computing device to the remote computing device, a
request for the remote computing device to automatically provide the credit
card number
to the credit card number field of the online website;
receiving, at the local computing device and from the remote computing device,
a
request for an authentication of the user;
providing, from the local computing device and to the remote computing device,
an authentication information for the user,
the authentication information for the user comprising: a username and a
password for the user;
authenticating, at the remote computing device, the user based on the
authentication information; and
pre-populating, by a remote computing device and after the authentication of
the
user, the credit card number field of the online website with said stored
credit card
number.
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Concept 23. The computer-implemented method of Concept 22, wherein said credit
card number is of a private label credit card.
Concept 24. The computer-implemented method of Concept 22, wherein said credit
card number is of a digital credit card.
Concept 25. The computer-implemented method of Concept 22, wherein an online
checkout comprises said credit card number field.
Concept 26. The computer-implemented method of Concept 22, wherein said online
website is an ecommerce only retailer.
Concept 27. The computer-implemented method of Concept 16, wherein said
biometric
information is information obtained based on a thumb print scan of the user.
Concept 28. The computer-implemented method of Concept 16, wherein said
biometric
information is information obtained based on a voice detection of the user.
Concept 29. The computer-implemented method of Concept 16, wherein said
biometric
information is information obtained based on a heart rate of the user.
Concept 30. The computer-implemented method of Concept 16, wherein said
request
for authentication information for the user further comprises:
a request for a username and a password for the user.
Concept 31. The computer-implemented method of Concept 22, wherein said
request
for authentication information for the user further comprises:
a request for a biometric information about the user
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Concept 32. The computer-implemented method of Concept 31, wherein said
biometric
information is information obtained based on a thumb print scan of the user.
Concept 33. The computer-implemented method of Concept 31, wherein said
biometric
information is information obtained based on a voice detection of the user.
Concept 34. The computer-implemented method of Concept 31, wherein said
biometric
information is information obtained based on a heart rate of the user.
Concept 35. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
OR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
prompting, via said mobile device, a user for credit application information
for
processing said credit card application, wherein said credit application
information is
numerical information;
receiving, at said mobile device, said credit application information;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device is not wirelessly
connected.
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Concept 36. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
accessing, via said mobile device, user input of credit application
information for
processing said credit card application, wherein said credit application
information is
numerical information; and
inputting, via said mobile device, said credit card information in said credit
card
application, wherein said credit card application is for establishing a credit
card account;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device is not wirelessly
connected.
Concept 37. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
CA 2909392 2018-03-29
prompting, via said mobile device, a user for credit application information
for
processing said credit card application, wherein said credit application
information is
numerical information;
receiving, at said mobile device, said credit application information;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device does not have a
network
connection.
Concept 38. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
OR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
accessing, via said mobile device, user input of credit application
information for
processing said credit card application, wherein said credit application
information is
numerical information; and
inputting, via said mobile device, said credit card information in said credit
card
application, wherein said credit card application is for establishing a credit
card account;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device, a digital credit card associated
with
said credit card account, said digital credit card can be displayed by said
mobile device,
and utilized for making a purchase, when said mobile device does not have a
network
connection.
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Concept 39. A computer-implemented method for applying for a credit card
account on
a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
prompting, via said mobile device, a user for credit application information
for
processing said credit card application, wherein said credit application
information is
numerical information;
receiving, at said mobile device, said credit application information;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device and in part, via text messaging, a
digital credit card associated with said credit card account, said digital
credit card can
be displayed by said mobile device, and utilized for making a purchase, when
said
mobile device does not have a network connection.
Concept 40. A computer-implemented method for applying for a credit card
account on a mobile device, comprising:
scanning, with said mobile device, a QR code displayed at a retail store, said
QR
code being an offer to apply for a credit card;
receiving, at said mobile device, a text message in response to said scanning
of
said QR code,
the text message comprising a link to a credit card application;
accessing, via said mobile device, said credit card application in response to
selecting said link;
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accessing, via said mobile device, user input of credit application
information for
processing said credit card application, wherein said credit application
information is
numerical information; and
inputting, via said mobile device, said credit card information in said credit
card
application, wherein said credit card application is for establishing a credit
card account;
presenting, on a display of said mobile device, approval of a credit card
account
based on said credit application information; and
storing, at a memory of said mobile device and in part, via text messaging, a
digital credit card associated with said credit card account, said digital
credit card can
be displayed by said mobile device, and utilized for making a purchase, when
said
mobile device does not have a network connection.
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