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US Patent 8352370 System and method for universal instant credit

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Contents

Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent
1

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
1
Patent Number
83523701
Patent Inventor Names
Tanya M. White1
William F. Mann, III1
Date of Patent
January 8, 2013
1
Patent Application Number
131083451
Date Filed
May 16, 2011
1
Patent Citations Received
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US Patent 12062025 Payment services via application programming interface
2
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US Patent 11763284 System and method of tokenizing deposit account numbers for use at payment card acceptance point
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US Patent 11868977 Payment services via application programming interface
3
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US Patent 11983787 Integration of workflow with digital ID
4
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US Patent 11995619 Account open interfaces
5
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US Patent 12020255 Identity verification services and user information provision via application programming interface
6
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US Patent 11704761 Integration of workflow with digital ID
7
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US Patent 11756011 Third-party payment interfaces
Patent Primary Examiner
‌
Jagdish Patel
1
Patent abstract

Systems and methods for universal instant credit are disclosed. In one embodiment, a method of offering a financial instrument to a customer includes (1) using a computer processor, an issuer providing a customer with an application for a financial instrument; (2) the issuer receiving from the customer a completed application for the financial instrument; (3) using the computer processor, the issuer determining whether to approve the customer for the financial instrument; (4) using the computer processor, the issuer transmitting a first portion of an account identifier to a merchant; and (5) using the computer processor, the issuer transmitting a second portion of the account identifier to the customer. The financial instrument may be a credit card, a stored value card, a line of credit, etc.

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