Abstract: 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. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.

Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.

Abstract: A system and method for mobile device verification for an electronic application before providing a digital pass to an approved customer is disclosed. The method and system receives, at a store's customer credit application computer, an application for a new account, the application including a contact information for a customer's mobile device providing, from the store's customer credit application computer, the contact information for the customer's mobile device to a verification system to authenticate the customer's mobile device providing, from a credit account provider, a text to the customer's mobile device, the text causing the customer's mobile device to be subjected to a second authentication; receiving, at the customer's mobile device, a message that includes a link to the digital pass; and utilizing the link to receive the digital pass at a mobile wallet of the customer's mobile device.

Abstract: 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. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.

Abstract: 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. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.

Abstract: A system and method for mobile device verification for an electronic application before providing a digital pass to an approved customer is disclosed. The method and system receives, at a store's customer credit application computer, an application for a new account, the application including a contact information for a customer's mobile device providing, from the store's customer credit application computer, the contact information for the customer's mobile device to a verification system to authenticate the customer's mobile device providing, from a credit account provider, a text to the customer's mobile device, the text causing the customer's mobile device to be subjected to a second authentication; receiving, at the customer's mobile device, a message that includes a link to the digital pass; and utilizing the link to receive the digital pass at a mobile wallet of the customer's mobile device.

Abstract: A system and method for customer acquisition without initially receiving PII is disclosed. The method accesses, via a user's computing device, a device identifier (ID) associated with the user's computing device. The device ID is utilized to obtain a user specific information. The user specific information is provided to a credit path engine. The credit path engine utilizes the user specific information for a credit screen and provides, to the user's computing device, a prescribed credit path for the user.

Abstract: 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. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

Abstract: A system and method for a digital pass with user verification is disclosed. The method receives a request for the digital pass to be generated for a user. The request includes identification (ID) information that is added to a database. An image is defined for the digital pass, the image incorporates at least a portion of the ID information therein and is editable only by the digital pass management system. The method then generates the digital pass which includes the image and a non-image portion that is editable by the user. The digital pass is transmitted to the user's mobile device.

Abstract: A system and method for out-of-band verification for an electronic application is disclosed. The method and system provides contact information for a customer to a store's electronic device. The system receives, at a customer's mobile device and from the store's electronic device, access to an electronic application for a new account, the access sent to the contact information for the customer, the contact information for the customer being accessible by the customer's mobile device. The system selects the access at the customer's mobile device to obtain the electronic application for the new account, the selecting of the access causing an out-of-band verification to be generated. Attaches the out-of-band verification to the electronic application for the new account when the electronic application for the new account is submitted.

Abstract: A system and method for using a customer ID stored in a mobile wallet to facilitate a transaction is disclosed. The method stores, at a memory of a mobile device, a metadata file formatted for the mobile wallet on the mobile device, the metadata file includes an image of a customer's ID and a token. The metadata file is opened in the mobile wallet by one or more processors of the mobile device. When the metadata file is opened, an image of a customer's ID and a token is presented by the customer's mobile device. The presentation of the image of the customer's ID and the token on the mobile device is used to facilitate payment at a point-of-sale.

Abstract: A system for determining attribution for an electronic credit application is disclosed. The system receives, via an Internet connection, an electronic credit application for a new credit account, the application includes customer identification information provided by the customer. The system also receives application location information related to the electronic credit application for the new credit account, the application location information obtained from an electronic device, which is not provided by the customer and replaces any application location information provided by the customer. The system additionally receives associate identification information related to the electronic credit application for the new credit account, and associate identification information obtained from sources other than the customer's keyed input. The system determines at least one attribution based on the received information.

Abstract: 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. The processor is configured to: receive, via the cellular telephony communications device, a cellular text message sent from a cellular telephone of an accessing entity, wherein the cellular text message includes a cellular telephone number of the cellular telephone, an instruction regarding reward points, and an image file; use the cellular telephone number to identify a reward program account; extract an authentication token embedded in data of the image file; authenticate access to the reward program account based upon the authentication token; and in response to authenticating access to the reward program account, execute the instruction.

Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.