Abstract: A method for applying and buying with a co-branded virtual card is disclosed. The method includes receiving a customer application for a co-branded credit card at a time of purchase, performing a customer qualification for the co-branded credit card at the time of purchase, providing access to a virtual co-branded card for a qualified customer, the virtual co-branded card having a valid credit card number, a valid credit card expiration date and a valid credit card security code and authorizing the use of the virtual co-branded card to buy goods at the time of qualification.

Abstract: A system for generating a customized communication with a customer is described, and includes: a near field communication (NFC) reader for receiving, from the customer, a request for an interaction; an input device for receiving an input from the customer, wherein the input includes a customer credential; a processor for: receiving a request, from a near field communication (NFC) enabled device, for an interaction with a customer; requesting a valid customer credential from the customer; receiving an input from the customer in response to a request for the valid customer credential to achieve a received customer credential; determining a validity of the received customer credential; and generating, after the determining the validity of the received customer credential, client information customized for the customer based upon a customer account linked to a determined valid customer credential to achieve a generated customized client information.

Abstract: A method for geo-filtering consumers for presenting credit card offers is described, and includes: determining a brand of interest for which one or more credit card offers will be communicated to the identified customer; and comparing a brand policy of the brand of interest, the stored customer information relating to the identified customer, the stored location information relating to the determined location of the mobile device and credit offer conversion factors, wherein the credit offer conversion factors assign values to combinations of subsets of information of at least any of the following types of information: the brand policy; the stored customer information relating to the identified customer; and the stored location information relating to the determined location of the mobile device; and generating a credit card offer to be transmitted to the identified customer.

Abstract: A method for geo-filtering consumers for presenting credit card offers is described, and includes: determining a brand of interest for which one or more credit card offers will be communicated to the identified customer; and comparing a brand policy of the brand of interest, the stored customer information relating to the identified customer, the stored location information relating to the determined location of the mobile device and credit offer conversion factors, wherein the credit offer conversion factors assign values to combinations of subsets of information of at least any of the following types of information: the brand policy; the stored customer information relating to the identified customer; and the stored location information relating to the determined location of the mobile device; and generating a credit card offer to be transmitted to the identified customer.

Abstract: A system for generating a customized communication with a customer is described, and includes: a near field communication (NFC) reader for receiving, from the customer, a request for an interaction; an input device for receiving an input from the customer, wherein the input includes a customer credential; a processor for: receiving a request, from a near field communication (NFC) enabled device, for an interaction with a customer; requesting a valid customer credential from the customer; receiving an input from the customer in response to a request for the valid customer credential to achieve a received customer credential; determining a validity of the received customer credential; and generating, after the determining the validity of the received customer credential, client information customized for the customer based upon a customer account linked to a determined valid customer credential to achieve a generated customized client information.

Abstract: A method for applying and buying with a co-branded virtual card is disclosed. The method includes receiving a customer application for a co-branded credit card at a time of purchase, performing a customer qualification for the co-branded credit card at the time of purchase, providing access to a virtual co-branded card for a qualified customer, the virtual co-branded card having a valid credit card number, a valid credit card expiration date and a valid credit card security code and authorizing the use of the virtual co-branded card to buy goods at the time of qualification.