公开(公告)号：US20100306072A1

公开(公告)日：2010-12-02

申请号：US12549990

申请日：2009-08-28

申请人： William Joseph (Jr.) Ford, JR. ,  Eric Anthony ,  John W. Thomas ,  Kevin August ,  M. Ehsan Kahn ,  Richard Kochendorfer ,  Roy Woodham ,  Michael S. Miller ,  Jesse Cyr ,  Satheesh Kumar Swaminathan ,  Robert Coomes ,  Lincoln Baxter ,  Tapio Makinen ,  Scott Godsey ,  Thomas Scott Denbow

发明人： William Joseph (Jr.) Ford, JR. ,  Eric Anthony ,  John W. Thomas ,  Kevin August ,  M. Ehsan Kahn ,  Richard Kochendorfer ,  Roy Woodham ,  Michael S. Miller ,  Jesse Cyr ,  Satheesh Kumar Swaminathan ,  Robert Coomes ,  Lincoln Baxter ,  Tapio Makinen ,  Scott Godsey ,  Thomas Scott Denbow

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/202 ,  G06Q40/025

摘要： Systems, apparatus, and computer program products are provided that allow for a credit partner, such as a retailer, to process a customer credit card application at multiple point-of-sale/point-of-contact channels, such as a manned or self-service cash register, a manned or unmanned kiosk, partner web site, a call center or the like and, if the customer is approved, allow for the customer to transact using the approved credit account at the credit partner location/site. The systems, methods and computer program provide for integration of the credit application system within multiple point-of-sale channels without requiring a large degree of customization and/or configuration at the credit partner level. In addition, embodiments support both active and passive instant credit decision processing.

摘要翻译： 提供了系统，设备和计算机程序产品，其允许信用合作伙伴（例如零售商）在多个销售点/点联系渠道处理客户信用卡应用，例如有人或自己的 - 服务收银机，有人值班或无人值班台，合作伙伴网站，呼叫中心等，如果客户获得批准，允许客户使用信用合作伙伴位置/站点上的已批准的信用账户进行交易。 系统，方法和计算机程序提供了信用应用系统在多个销售点渠道内的整合，而不需要信用合作伙伴级别的大量定制和/或配置。 此外，实施例支持主动和被动即时信用决策处理。