CA2915375A1 - Retail card application and method - Google Patents

Retail card application and method Download PDF

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Publication number
CA2915375A1
CA2915375A1 CA2915375A CA2915375A CA2915375A1 CA 2915375 A1 CA2915375 A1 CA 2915375A1 CA 2915375 A CA2915375 A CA 2915375A CA 2915375 A CA2915375 A CA 2915375A CA 2915375 A1 CA2915375 A1 CA 2915375A1
Authority
CA
Canada
Prior art keywords
retail
user
credit
credit cards
branded
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
CA2915375A
Other languages
French (fr)
Inventor
James Walz
David Nack
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Comenity Canada LP
Original Assignee
Comenity LLC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US14/585,543 external-priority patent/US10990937B2/en
Application filed by Comenity LLC filed Critical Comenity LLC
Publication of CA2915375A1 publication Critical patent/CA2915375A1/en
Abandoned legal-status Critical Current

Links

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.

Description

-Store 105 Payment System Device 110 160 4 ___________________________________________________ 0) User account Display 120 Mobile payment card 122 Analytics engine Account information 111 ____________________________________________________ 124 Database CO

Operating system POS

Wireless Processor Application transceiver Micro location Device 411 __________________________________________________ I 011' Wireless transceiver.

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:

to Show this virtual card to a store w associate at the checkout register .4 --4. ' --;.*,..: -7 .,r= b USe tte virtual ilrr..1 your 1\.) Ui ......õ
N.) 230----- payment method.

1-, N.) 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 $ \ n 1 ci 000 _1 is., _ L. _ (Q' ¨.... $w9 iirACAUCIt Skinin Mom Nome Shoo Acoaurtt Stro Iftre FIG. 2A FIG. 2B

-. .

Store 105 CBeacon ' \ %............)... emm,P ======= =mm. .....
-. ,4 _...
a B
/i 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

1-, 1-, 1.) 1-, Cm) location device FIG. 3 ..1, =
. .
.
- . . .. . . .

Retail Brand A
405A Payment System Store User account A A
Retail Brand B

4 __________________________________ Store Retail Brand C

Store FIG. 4 Configurable Front End Layer Configurable Front End Layer Downloadable Downloadable mobile payment mobile payment card card 122A Retail Brand 12213 Retail Brand Card Card GUI Specifications GUI Specifications = a Location Service 1.99 Back End Layer Payment System Analytics engine User account Database Loyalty Rewards FIG. 5 =

. = .
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

RECEIVING USER SPECIFIC LOYALTY REWARDS PROVIDED TO SAID USER ON SAID MOBILE
DEVICE

=
ACTIVATING A CREDIT CARD ACCOUNT TIED TO SAID USER USING SAID RETAIL CARD
APPLICATION ON SAID MOBILE DEVICE ASSOCIATED WITH SAID USER

=
MANAGING AN ACCOUNT
660 = =
=
FIG. 6 700 !
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 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

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

V
RECEIVING LOYALTY PROMOTION IN RESPONSE TO MAKING SAID PURCHASE

V
DISPLAYING OPTICALLY MACHINE-READABLE INFORMATION FOR ACCESS TO AN ACCOUNT
ASSOCIATED WITH SAID USER

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

ACCOUNT MANAGEMENT

= =
=
FIG. 7 =
802OPERATING SYSTEM =

APPLICATIONS

PERIPHERAL MODULES

READABLE
STORAGE MEDIA DATA

DATA
USABLE USABLE
STORAGE
PROCESSOR - NON-VOLATILE VOLATILE
UNIT
806A ___ MEMORY (ROM) MEMORY (RAM) BUS 804 =
ALPHA-DISPLAY CURSOR =
NUMERIC I/O DEVICE
DEVICE CONTROL

FIG. 8

Claims (27)

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.
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.
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 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.
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.
CA2915375A 2014-12-30 2015-12-15 Retail card application and method Abandoned CA2915375A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/585,543 US10990937B2 (en) 2014-10-16 2014-12-30 Retail card application
US14/585543 2014-12-30

Publications (1)

Publication Number Publication Date
CA2915375A1 true CA2915375A1 (en) 2016-06-30

Family

ID=56236149

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2915375A Abandoned CA2915375A1 (en) 2014-12-30 2015-12-15 Retail card application and method

Country Status (1)

Country Link
CA (1) CA2915375A1 (en)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10580025B2 (en) 2013-11-15 2020-03-03 Experian Information Solutions, Inc. Micro-geographic aggregation system
US10678894B2 (en) 2016-08-24 2020-06-09 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US10810580B2 (en) * 2016-10-05 2020-10-20 International Business Machines Corporation Virtual payment account
US10839373B2 (en) * 2016-10-05 2020-11-17 International Business Machines Corporation Virtual payment account and transaction method
US10936629B2 (en) 2014-05-07 2021-03-02 Consumerinfo.Com, Inc. Keeping up with the joneses
US10984404B2 (en) 2014-10-16 2021-04-20 Comenity Llc Retail card application
US10990937B2 (en) 2014-10-16 2021-04-27 Comenity Llc Retail card application
US11010345B1 (en) 2014-12-19 2021-05-18 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US11727425B2 (en) 2014-12-29 2023-08-15 Bread Financial Payments, Inc. Collecting and analyzing data from a mobile device

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10580025B2 (en) 2013-11-15 2020-03-03 Experian Information Solutions, Inc. Micro-geographic aggregation system
US10936629B2 (en) 2014-05-07 2021-03-02 Consumerinfo.Com, Inc. Keeping up with the joneses
US11620314B1 (en) 2014-05-07 2023-04-04 Consumerinfo.Com, Inc. User rating based on comparing groups
US10984404B2 (en) 2014-10-16 2021-04-20 Comenity Llc Retail card application
US10990937B2 (en) 2014-10-16 2021-04-27 Comenity Llc Retail card application
US11010345B1 (en) 2014-12-19 2021-05-18 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US11727425B2 (en) 2014-12-29 2023-08-15 Bread Financial Payments, Inc. Collecting and analyzing data from a mobile device
US10678894B2 (en) 2016-08-24 2020-06-09 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US11550886B2 (en) 2016-08-24 2023-01-10 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US10810580B2 (en) * 2016-10-05 2020-10-20 International Business Machines Corporation Virtual payment account
US10839373B2 (en) * 2016-10-05 2020-11-17 International Business Machines Corporation Virtual payment account and transaction method

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Legal Events

Date Code Title Description
EEER Examination request

Effective date: 20180119

FZDE Discontinued

Effective date: 20210831

FZDE Discontinued

Effective date: 20210831