US 2019/0164184 A1 · COLLECTING AND ANALYZING DATA FROM A MOBILE DEVICE

Abstract

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.

Claims22

Dependent claims

A method for collecting user information associated with a co-branded virtual card, the method comprising:

receiving, at a computer system and from a mobile device of a customer, an application for a co-branded credit card;
performing, via the computer system, a customer qualification for the co-branded credit card;
providing, from the computer system and to the mobile device, access to a virtual co-branded card for a qualified customer, said virtual co-branded card having a valid credit card number, a valid credit card expiration date and a valid credit card security code;
authorizing, via the computer system, a use of the virtual co-branded card to buy goods at a time of qualification;
collecting, at the computer system and from the mobile device, said user information associated with said virtual co-branded card;
and
determining, at the computer system, one or more buyer attributes for the customer from said user information associated with said virtual co-branded card.

4 more elements

Dependencies are inferred from the claim text.

Collecting and analyzing data from a mobile device

Life of this patent

Collecting and analyzing data from a mobile device

Life of this patent

Abstract

Claims22