Retail card application
AssigneeComenity LLC
InventorsDavid NACK, James WALZ
Life of this patent
Estimating the term…
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 and 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.
Claims24
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;
- and
- 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.
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 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;
- and
- 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.
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;
- and
- 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.
Dependencies are inferred from the claim text.