Location-based credit provision system

A method for providing credit to a user, comprising:

• receiving, by a system provider device, user data associated with a user and location data associated with a location from a user device over a network;
• retrieving, by the system provider device, user spending data for the user at the location from one or more databases using the user data and the location data, wherein the user spending data for the user at the location includes a plurality of previous payments made by the user, and the plurality of previous payments included in the user spending data for the user at the location are restricted to previous payments made by the user at the location;
• determining, by the system provider device, a location-based credit score for the user that is based on the user spending data for the use at the location and using the location-based credit score to create a location-based credit line for the user at the location in the one or more databases;
• and
• sending, by the system provider device, a location-based credit offer to the user device over the network that includes an indication of the location-based credit line for the user at the location.

A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

• receiving user data associated with a user and location data associated with a location from a user device over a network;
• retrieving user spending data for the user at the location from one or more databases using the user data and the location data, wherein the user spending data for the user at the location includes a plurality of previous payments made by the user, and the plurality of previous payments included in the user spending data for the user at the location are restricted to previous payments made by the user at the location;
• determining a location-based credit score for the user that is based on the user spending data for the user at the location and using the location-based credit score to create a location-based credit line for the user at the location in the one or more databases;
• and
• sending a location-based credit offer to the user device over the network that includes an indication of the location-based credit line for the user at the location.