Seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account
US11847636B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Sep 16, 2019 |
| Grant date | Dec 19, 2023 |
| Priority date | — |
| Expiry date | Aug 31, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account is disclosed. The method uses a mobile device to electronically apply for a new credit account and receive a metadata file formatted for a mobile wallet on the mobile device, the metadata file providing a new credit account for making purchases via a mobile payment. A biometric security is provided to limit access to the new credit account, the biometric security being different than an input needed to access the mobile device. A user is authenticated with the biometric security, prior to receiving access to the new credit account; and initiating a mobile purchase therewith. A digital receipt identifying one or more aspects of the mobile purchase is received.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.