68 patents
Utility
Seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account
19 Dec 23
A seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account is disclosed.
Mike Schmidt
Filed: 16 Sep 19
Utility
Automatically aggregating, evaluating, and providing a contextually relevant offer
19 Dec 23
Systems and methods for automatically aggregating, evaluating, and providing a contextually relevant offer or incentive is disclosed.
Shannon Andrick
Filed: 30 Sep 21
Utility
Method and system for partial application data collection
26 Sep 23
Methods and systems for partial application data collection are disclosed.
Christian Billman, Uchenna Chilaka
Filed: 30 Sep 21
Utility
Limited use temporary credit account
15 Aug 23
A limited use temporary credit account is disclosed.
Timothy D. Pontious, Celeste Rechner
Filed: 12 Oct 21
Utility
Collecting and analyzing data from a mobile device
15 Aug 23
An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided.
James Walz
Filed: 19 Nov 18
Utility
Applying for a Credit Card Account on a Mobile Device and Pre-populating a Credit Card Number Field
29 Jun 23
In a computer-implemented method for applying for a credit card account on a mobile device and pre-populating a credit card number field, a user is prompted for credit application information via the mobile device for processing of a credit card application.
James WALZ, Karen LOWE, David NACK
Filed: 6 Mar 23
Utility
Simple checkout
9 May 23
A system and method for simple checkout is described.
David Nack, Ramesh Korra
Filed: 7 Mar 17
Utility
Using position location information to pre-populate and verify information on a credit application
11 Apr 23
Using position location information to pre-populate and verify information on a credit application is disclosed.
Christian Billman, James Magnuson, Jr.
Filed: 24 Jan 18
Utility
Providing a Buy Now Pay Later Product to a Credit Account Holder
5 Jan 23
A system and method for providing a buy now pay later (BNPL) product to a credit account holder is disclosed.
Chris ANDERSON, Jennifer DODOVSKI
Filed: 3 Dec 21
Utility
Capturable Code for Automatically Formatting and Addressing a Text Message to Apply for an Offer
29 Dec 22
A capturable code for automatically formatting and addressing a text message to apply for an offer is disclosed.
Chris ANDERSON, Manoj Ram TAMMINA, Jess LAWRENCE
Filed: 1 Sep 22
Utility
Providing a Customer with a Number of Payment Scenarios
15 Dec 22
A system and method for providing a customer with a number of payment scenarios is disclosed.
Chris ANDERSON
Filed: 25 May 22
Utility
Replacing a Customer Card Payment with a One-time Loan at a Point of Sale
17 Nov 22
A system and method for replacing a customer's debit card payment with a one-time loan at a point of sale (POS) is disclosed.
Joseph BUTVIN, Kurt BROWN
Filed: 1 Jun 22
Utility
Mobile credit acquisition
1 Nov 22
A method for mobile credit acquisition is disclosed.
Adam Koltnow, James Walz
Filed: 19 Nov 18
Utility
Distributed risk rules
18 Oct 22
A system and method for distributed risk rules is disclosed.
Christian Billman, Uchenna Chilaka, Tom Pugh
Filed: 20 Dec 19
Utility
Capturable code for automatically formatting and addressing a text message to apply for an offer
11 Oct 22
A capturable code for automatically formatting and addressing a text message to apply for an offer is disclosed.
Chris Anderson, Manoj Ram Tammina, Jess Lawrence
Filed: 14 Nov 19
Utility
Gift card use notification
13 Sep 22
A system and method for gift card use notification is disclosed.
Melissa Hoar
Filed: 21 Nov 19
Utility
Authenticated account interaction via cellular text message
6 Sep 22
A computer system comprises a memory, a cellular telephony communications device configured for sending and receiving cellular text messages, and a processor coupled with the memory and the cellular telephony communications device.
Jess Lawrence, Uchenna Chilaka, Christian Billman, Timothy D. Pontious, Christina Mosholder
Filed: 18 Oct 19
Utility
One Card
14 Jul 22
A system and method for combining at least two similarly managed credit accounts into a single ONE card account is described.
Chris ANDERSON, Jess LAWRENCE, Manoj Ram TAMMINA
Filed: 25 Jan 22
Utility
Replacing a customer card payment with a one-time loan at a point of sale
5 Jul 22
A system and method for replacing a customer's debit card payment with a one-time loan at a point of sale (POS) is disclosed.
Joseph Butvin, Kurt Brown
Filed: 9 Dec 19
Utility
Validating a customer in an electronic transaction
14 Jun 22
In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer.
Christian Billman, Uchenna Chilaka, Christina Mosholder, Randall Piatt, Timothy D. Pontious, Tom Pugh, Celeste Rechner
Filed: 12 Dec 19