DEMANDE DE CARTE DE CREDIT DE DETAILLANT ET PROCEDE

RETAIL CARD APPLICATION AND METHOD

Abrégé anglais

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.

Revendications

Claims:
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 is
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 said 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 said 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 said 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 said front end provides a
mobile
receipt associated a transaction using said specific one of said plurality of
retail-
branded credit cards to said user.
29

6. The application platform of Claim 1 wherein said 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 a 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 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.
31

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;
32

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 a 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.
33

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.
34

Description

100 --------------------------------------------------------------------------
-
Store 105
Payment System
Device 110 160
4 ___________________________________________________ 0) User
account
162
Display 120
Mobile payment card
122 Analytics engine
170
0
Account information
111 ____________________________________________________
124 Database
172
CO
0
Operating system
125
POS
180
Wireless
Processor Application
transceiver Micro location
Device
130 140
150 190
411 __________________________________________________ I 011' Wireless
transceiver.
192
FIG. 1
. .

210 -, .r.__ AT&T .S. 135 PM 4 100% Cr) 210 -\,...
...... AT&T "P 1:34 PM 4 100% rEJI
...
,
f 9.' SHONWE:Lr t E5 SHOPAATELL' (lb
,
Sign out Sign out
_ =
Sii0P*WELI:
, SHOP*WELE:
(õ
to
Show this virtual card to a store
01
w
associate at the checkout register
.4
--4. ' --;.*,..: -7 .,r= b USe tte virtual ilrr..1 your
1\.) Ui
......õ
N.)
230----- payment method.
0
0-11-
1-, N.)
1
8244 2501 6 A I:14K e.:4J 1 b
0,
2, Jot*
Doe
ACO PHOTO ley AccountC) ADD MOTO My &count
It'N.126
it 2013 Comity Fla* 10 2113 Cornantty
Bank,
Ccrnenity Bank Issues Tow ShopWA coat account. Comently Bank ISSUES
)11::..lf ShopWelPeredit =mat
,
-- -==, .8
000
$ \ n 1 ci 000 _1 is., _
L. _ (Q'
¨.... $w9 iirACAUCIt Skinin Mom Nome Shoo
Acoaurtt Stro Iftre
FIG. 2A FIG. 2B
1
-
. .

Store 105
CBeacon
190
111
' \ %............)... emm,P ======= =mm. .....
-. ,4
_...
a B
/i
0
IE E 0
m o Micro 1.)
Device \ i_ -,
en to
location 1-,
110 ¨ A Ice 7
, JI r., = F . "el
w = device 01
w
ot 11: 191 .4
(.7, ri, GO 01
tz co ....õ
0
1-,
01
1
1-,
1.)
1
1-,
01
Cm)
location
device
192
FIG. 3
..1,
=
. .
.
- . . .. . . .

CA 02915375 2015-12-15
4/8
Retail Brand A
405A Payment System
160
Store User account
105A 162
A A
Retail Brand B
405B
4 __________________________________
Store
105B
Retail Brand C
405C
Store
105C
FIG. 4

CA 02915375 2015-12-15
5/8
500
Configurable Front End Layer Configurable Front End Layer
510A 510B
Downloadable Downloadable
mobile payment mobile payment
card card
122A Retail Brand 12213 Retail Brand
Card Card
GUI Specifications GUI Specifications
515A
520 520B
515B
= a
Location Service
1.99
Back End Layer
510
Payment System Analytics engine
160 170
User account Database
162 172
Loyalty
Rewards
188
FIG. 5

CA 02 915375 2015-12-15
=
6/8
600
. = .
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
610
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
620
=
DOWNLOADING SAID RETAIL CREDIT CARD APPLICATION ON A MOBILE DEVICE
ASSOCIATED WITH SAID USER =
630
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
640
RECEIVING USER SPECIFIC LOYALTY REWARDS PROVIDED TO SAID USER ON SAID MOBILE
DEVICE
645
=
ACTIVATING A CREDIT CARD ACCOUNT TIED TO SAID USER USING SAID RETAIL CARD
APPLICATION ON SAID MOBILE DEVICE ASSOCIATED WITH SAID USER
650
=
MANAGING AN ACCOUNT
660 = =
=
FIG. 6

CA 02 915375 2015-12-15
7/8
700 !
DOWNLOADING A RETAIL-BRANDED CREDIT CARD APPLICATION ON A MOBILE DEVICE
ASSOCIATED WITH A USER =
710 1
DISPLAYING A MOBILE PAYMENT CARD ON A DISPLAY SCREEN OF SAID MOBILE DEVICES,
WHEREIN SAID MOBILE PAYMENT CARD IS LINKED TO A PAYMENT SYSTEM FOR =
PROCESSING TRANSACTIONS ASSOCIATED WITH A PLURALITY OF DIFFERENT RETAIL-BRAND
CREDIT CARDS
720
V
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
730
V
RECEIVING LOYALTY PROMOTION IN RESPONSE TO MAKING SAID PURCHASE
735
V
DISPLAYING OPTICALLY MACHINE-READABLE INFORMATION FOR ACCESS TO AN ACCOUNT
ASSOCIATED WITH SAID USER
740
V
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
25.4
V
DISPLAYING APPROVAL OF CREDIT FROM SAID ONE OF SAID PLURALITY OF DIFFERENT
RETAIL-BRAND CREDIT CARDS, SAID APPROVAL INCLUDING AN INVITATION TO DOWNLOAD
SAID RETAIL-BRANDED CREDIT CARD
760
ACCOUNT MANAGEMENT
770
= =
=
FIG. 7

CA 02915375 2015-12-15
818
=
802OPERATING SYSTEM =
822
APPLICATIONS
824
PERIPHERAL MODULES
COMPUTER 826
READABLE
STORAGE MEDIA DATA
802 828
806C
806B COMPUTER COMPUTER
DATA
USABLE USABLE
STORAGE
PROCESSOR - NON-VOLATILE VOLATILE
UNIT
806A ___ MEMORY (ROM) MEMORY (RAM)
812
810 808
BUS 804 =
ALPHA-
DISPLAY CURSOR =
NUMERIC I/O DEVICE
DEVICE CONTROL
INPUT 820
818 816
814
FIG. 8