Abstract: A computer-implemented method for displaying an animated digital watermark including the display of a mobile payment card on a mobile display screen, wherein the mobile payment card is linked to a payment system, and the display of an animated digital watermark on the mobile display screen to ensure authenticity of the displayed mobile payment card.

Abstract: A computer-implemented method for providing instructions for displaying items. The computer-implemented method includes receiving a request to display items at a device; and providing instructions for displaying the items on a three-dimensional shape such that a manageable number of items are able to be displayed for browsing.

Abstract: A computer-implemented method for generating a recommendation of a personalized ensemble. The method includes accessing customer data associated with a customer; enabling display of items on a three-dimensional shape; enabling selection of one of the items; and dynamically generating a recommendation of a personalized ensemble for the customer based on the selection of one of the items.

Abstract: A retailer's revenue may be enhanced by recommending items in context of a specific collection built for a customer's specific preferences. Customer input that pertains to their previously purchased items and future preferences is received. The input that pertains to the customer is analyzed. A recommendation for the customer is dynamically generated that includes a collection of coordinated items that provides a personalized ensemble based on the input.

Abstract: An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer.

Abstract: An integrated credit and loyalty offering to a retailer maximizes the effectiveness of both programs. The integrated system allows a retailer to enroll customers in a loyalty program, then solicit only pre-qualified customers immediately upon receipt of demographic information corresponding to the customer. The integrated system accepts transaction data from the retailer's loyalty program through the retailer's POS system to the credit prescreening program and awards appropriate loyalty rewards, as well as authorizing the retailer to offer credit to the pre-qualified customers. The credit prescreening process is done in real time as part of a retail transaction with the customer.

Abstract: In a transactional credit system and method, a consumer makes a purchase on a merchant's website. Before the consumer can select a payment option, a webpage requests that the consumer enter her name and shipping or billing address. Using this information, the system determines first whether to make an offer for a transactional credit product to the consumer and second whether the consumer pre-qualifies for the transactional credit product if the offer is to be made. If the consumer pre-qualifies, an additional webpage is incorporated into the merchant's website that offers the transactional credit product to the consumer to pay for the web-based transaction before the consumer is directed to any order confirmation or payment webpage on the website. If the consumer accepts the offer, the system performs any necessary authorizations or instant credit applications and applies the transactional credit product to the web-based transaction.

Abstract: A system and method for applying for a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by a credit card issuer. The user calls into the system using a standard telephone, and enters credit assessment information about the customer using the key pad of the telephone in response to verbal questions posed by the system. In one embodiment, only numeric information concerning the customer is entered, such as the customer's social security number. This credit assessment information is used to retrieve a credit report or score from a credit bureau database, which is used by the system to electronically decide whether to issue credit and to what extent and to establish a customer account. The system verbally provides information to the user regarding the credit assessment so that the customer's credit purchase can be quickly consummated.

Abstract: Disclosed is a method for managing at least one transaction through traditional credit card authorization payment infrastructures by supplying personal account numbers to retailers. Personal account numbers correspond to issuer managed accounts that may be assigned at point of sale, and activated at redemption, and may restrict which merchants can process the personal account number to extract value therefrom. Also disclosed is an apparatus for distribution in retail and redemption at selected redemption sites. The apparatus is a card that includes machine readable code and account information where at least some of data corresponding to the machine readable code differs from the account information. The card may configured to retain a personal account number or other account information compatible with selected redemption site interfaces. Redemption can be limited to selected retailers or groups of retailers.