Method of applying for credit at a self-checkout

US11625704B2 · kind B2 · utility

Assignee

• Synchrony Bank · US

Inventors

• Jake Miller · San Francisco, US
• Joseph Nelly · Draper, US
• Jared King · Stamford, US
• Kaeli Stichler · Draper, US
• Shawn Dole · Stamford, US
• Timothy Christensen · Newtown, US
• Jennifer Muller · Stamford, US
• Taylor Young · Peoria, US
• Seamus Sullivan · Draper, US
• Prakash Kothandapani · Miamisburg, US

Key dates

• Filing date: Jan 31, 2019
• Grant date: Apr 11, 2023
• Expiry date: Aug 28, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.