Method of applying for credit at a self-checkout

A system, comprising:

• one or more processors;
• and
• memory storing thereon instructions that, as a result of being executed by the one or more processors, cause the system to:
• receive a Short Message Service (SMS) message, wherein the SMS message includes an authentication Uniform Resource Locator (URL) associated with a target URL corresponding to an application website and with self-checkout (SCO) information corresponding to a SCO device, and wherein the SMS message is received through a mobile device;
• detect interaction with the authentication URL, wherein the interaction corresponds to a request to access the application website;
• route the request to an authentication system, wherein when the request is received by the authentication system, the authentication system authenticates the mobile device and routes the mobile device to the application website using the target URL;
• receive an electronic credit application for applying for a new credit amount, wherein when the electronic credit application is received, the electronic credit application is presented through the mobile device;
• transmit a completed electronic credit application, wherein when the completed electronic credit application is approved by an application processing system, the application processing system generates a code associated with a credit amount, and wherein the code includes encrypted payment information;
• receive the code, wherein when the code is received, the code is displayed through the mobile device;
• scan the code through the SCO device to cause the SCO device to transmit a payment request corresponding to a transaction, wherein the payment request includes the code and the SCO information, and wherein when the payment request is received by the application processing system, the application processing system uses the code and the payment request to apply the credit amount to the transaction.

A non-transitory computer-readable storage medium storing thereon executable instructions that, as a result of being executed by one or more processors of a mobile device, cause the mobile device to:

• receive a Short Message Service (SMS) message, wherein the SMS message includes an authentication Uniform Resource Locator (URL) associated with a target URL corresponding to an application website and with self-checkout (SCO) information corresponding to a SCO device, and wherein the SMS message is received through the mobile device;
• detect interaction with the authentication URL, wherein the interaction corresponds to a request to access the application website;
• route the request to an authentication system, wherein when the request is received by the authentication system, the authentication system authenticates the mobile device and routes the mobile device to the application website using the target URL;
• receive an electronic credit application for applying for a new credit amount, wherein when the electronic credit application is received, the electronic credit application is presented through the mobile device;
• transmit a completed electronic credit application, wherein when the completed electronic credit application is approved by an application processing system, the application processing system generates a code associated with a credit amount, and wherein the code includes encrypted payment information;
• receive the code, wherein when the code is received, the code is displayed through the mobile device;
• scan the code through the SCO device to cause the SCO device to transmit a payment request corresponding to a transaction, wherein the payment request includes the code and the SCO information, and wherein when the payment request is received by the application processing system, the application processing system uses the code and the payment request to apply the credit amount to the transaction.