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公开(公告)号：US11769000B2
公开(公告)日：2023-09-26
申请号：US17491515
申请日：2021-09-30
申请人： Comenity LLC
发明人： Christian Billman , Uchenna Chilaka
IPC分类号： G06F17/00 , G06F40/174 , G06F16/13 , G06F16/14 , G06F16/23 , G06F40/186
CPC分类号： G06F40/174 , G06F16/13 , G06F16/148 , G06F16/2379 , G06F40/186
摘要： Methods and systems for partial application data collection are disclosed. The method stores a network accessible application having a plurality of form fields. One or more processors generate a session identifier (ID) and timestamp for a user accessing the application. The one or more processors determine that a state within a form field of one of the plurality of form fields is in focus, the state of the form field being in focus when the user selects the form field. Additionally, it is determined when the state within the form field is no longer in focus. At that time, a countdown timer is initiated. When the countdown time reaches zero, any data entered into the form field is collected. The collected data and the session ID are then combined into a single user data file.
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公开(公告)号：US11727425B2
公开(公告)日：2023-08-15
申请号：US16195748
申请日：2018-11-19
发明人： James Walz
CPC分类号： G06Q30/0207 , G06Q20/3274 , G06Q30/06 , G11B20/00884 , H04N1/32144 , H04N2201/3233
摘要： An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user Interface layer that is configurable to a specific one of the 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, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an analytics engine coupled with the data collection layer for determining one or more attribute about a user from the user data associated with the plurality of retail-branded credit cards.
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公开(公告)号：US11645697B2
公开(公告)日：2023-05-09
申请号：US15452308
申请日：2017-03-07
申请人： Comenity LLC
发明人： David Nack , Ramesh Korra
IPC分类号： G06Q30/06 , G06Q20/12 , G06Q20/20 , G06Q20/24 , G06Q20/40 , G06Q30/02 , G06Q30/0601 , G06Q30/0207
CPC分类号： G06Q30/0633 , G06Q20/12 , G06Q20/204 , G06Q20/24 , G06Q20/40 , G06Q30/0222
摘要： A system and method for simple checkout is described. A computing device is used to access a website. The computing device receives a selection of an item to purchase at the retail website. The computing device provides purchase authorization information from the credit account app to a checkout of the retail website without the user providing account information for the credit account.
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公开(公告)号：US12051085B2
公开(公告)日：2024-07-30
申请号：US18048026
申请日：2022-10-19
发明人： Adam Koltnow , James Walz
IPC分类号： G06Q20/00 , G06Q30/0207 , G06Q40/03 , H04W4/021 , H04W4/14
CPC分类号： G06Q30/0236 , G06Q40/03 , H04W4/021 , H04W4/14
摘要： 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.
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公开(公告)号：US11847636B2
公开(公告)日：2023-12-19
申请号：US16571885
申请日：2019-09-16
发明人： Mike Schmidt
CPC分类号： G06Q20/3674 , G06Q20/3672 , G06Q20/40145 , G06Q40/03
摘要： A seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account is disclosed. The method uses a mobile device to electronically apply for a new credit account and receive a metadata file formatted for a mobile wallet on the mobile device, the metadata file providing a new credit account for making purchases via a mobile payment. A biometric security is provided to limit access to the new credit account, the biometric security being different than an input needed to access the mobile device. A user is authenticated with the biometric security, prior to receiving access to the new credit account; and initiating a mobile purchase therewith. A digital receipt identifying one or more aspects of the mobile purchase is received.
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6.发明授权公开(公告)号：US11625774B2
公开(公告)日：2023-04-11
申请号：US15879225
申请日：2018-01-24
IPC分类号： G06F40/174 , G06Q40/02 , G06Q50/26
摘要： Using position location information to pre-populate and verify information on a credit application is disclosed. A mobile application for a retailer is downloaded to a mobile device. The mobile application on the mobile device obtains authorization to access location information on the mobile device. Location information for the mobile device is received at a computer system and from the mobile device, the location information generated by a positioning system on the mobile device, the location information comprising: historic location information stored in a memory of the mobile device and real-time location information. The location information is used to prefill at least a portion of a credit application.
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公开(公告)号：US11941609B2
公开(公告)日：2024-03-26
申请号：US17491524
申请日：2021-09-30
发明人： Chris Anderson , Jess Lawrence , Manoj Ram Tammina
CPC分类号： G06Q20/36 , G06Q20/10 , G06Q20/3221 , G06Q20/40
摘要： A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.
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公开(公告)号：US11928676B2
公开(公告)日：2024-03-12
申请号：US16717734
申请日：2019-12-17
发明人： Suman Rao Jangama , Steinn Jonsson , Jess Lawrence , Gabriel Rostorfer , Bipin Sadhwani , Vinayak Swaminathan , Manoj Ram Tammina
CPC分类号： G06Q20/385 , G06Q20/28 , G06Q20/322 , G06Q20/3226 , G06Q20/3255 , G06Q20/342 , G06Q20/3437 , G06Q20/348 , G06Q20/354 , G06Q20/36 , G06Q40/02
摘要： A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.
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公开(公告)号：US11853966B2
公开(公告)日：2023-12-26
申请号：US16356482
申请日：2019-03-18
发明人： Uchenna Chilaka , Christian Billman
IPC分类号： G06Q20/00 , G06Q10/10 , G06F16/14 , G06Q10/087 , G06Q20/20
CPC分类号： G06Q10/10 , G06F16/148 , G06Q10/087 , G06Q20/203
摘要： A system and method for Internet-based management of displayed printed media is disclosed. The method and system receive a plurality of data files from a plurality of different sources, each of the plurality of data files comprising information about printed media at a single source, the information includes: a printed media version and a location identifier. Each of the plurality of data files are evaluated to determine that one or more of the plurality of printed media are out-of-date. A metric that identifies each location having the one or more of the plurality of printed media that are out-of-date is generated. An instruction is automatically provided to each location having the one or more of the plurality of printed media that are out-of-date to remove the one or more of the plurality of printed media that are out-of-date.
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公开(公告)号：US20240289708A1
公开(公告)日：2024-08-29
申请号：US18447266
申请日：2023-08-09
发明人： Yi CHENG , Wes HUNT , Dianne KREMER , Darrin VIA
IPC分类号： G06Q10/0631 , G06Q10/0639
CPC分类号： G06Q10/063114 , G06Q10/06393
摘要： A system and method for monitoring a process is disclosed. The system selects at least one process, identifies a plurality of metrics for the at least one process and automatically develop a performance envelope for at least one of the plurality of metrics. The data related to the at least one process is continually monitored, in real-time, for any data related to the plurality of metrics. Any data related to the plurality of metrics is automatically stored in an alert database and automatically analyzed for any data points outside of the performance envelope. An alert is automatically generated for one or more identified data points. A response is received for each of the identified data points and the identified data points are updated in the alert database with the response.
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