US Patent No. 11,030,637

SYSTEM AND METHOD PROVIDING FLOW-THROUGH PRIVATE LABEL CARD ACQUISITION


Patent No. 11,030,637
Issue Date June 08, 2021
Title System And Method Providing Flow-through Private Label Card Acquisition
Inventorship Thomas S. Poole, Chantilly, VA (US)
David E. Keating, Glen Allen, VA (US)
Drew Jacobs, Arlington, VA (US)
Janusz M. Niczyporuk, Vienna, VA (US)
Luke A. Hammock, Washington, DC (US)
Assignee Capitol One Services, LLC, McLean, VA (US)

Claim of US Patent No. 11,030,637

1. A system comprising:one or more memory devices storing software instructions; and
one or more processors configured to execute the software instructions to:
receive, at an incentive provider system, over a communications network, a product identifier from a mobile application running on a mobile computing device, the mobile application being previously downloaded and installed on the mobile computing device and being associated with a merchant system of a merchant, the merchant system being distinct from the incentive provider system, the product identifier identifying a product available from the merchant and acquired by the mobile application from the merchant system based on a scan of a product code using an image scanning device on the mobile computing device;
transmit, by the incentive provider system, a query to a financial service provider system of a financial service provider, the financial service provider system being distinct from the incentive provider system, the query comprising information related to the product identifier and a consumer's identity information associated with the mobile application;
receive, by the incentive provider system, from the financial service provider in response to the query, an indication that the consumer does not have a current financial service account associated with the merchant, the financial service account being provided by the financial service provider distinct from the merchant;
determine, based on the indication, by the incentive provider system, one or more incentives to offer the consumer to apply for a new financial service account at the financial service provider system, the new financial service account being associated with the merchant, the one or more incentives being targeted at the consumer based at least in part on a purchase at the merchant of the product associated with the product identifier using the mobile application and the new financial service account;
generate, by the incentive provider system, instructions for automatically displaying, in an interface of the mobile application, a user interface element and an invitation to apply for the new financial service account at the financial service provider system, the invitation identifying the one or more incentives;
transmit, by the incentive provider system, over the communications network, the instructions to automatically display the user interface element and the invitation in an interface of the mobile application, the user interface element being pre-populated with data collected by the incentive provider system when the mobile application was downloaded and installed on the mobile device, the invitation enabling the consumer to apply, using the mobile application associated with the merchant system and without leaving the mobile application, for the new financial service account provided by the financial service provider;
automatically link, by the incentive provider system, the new financial service account with the mobile application, the linking enabling the consumer to purchase the product using the mobile application and the new financial service account; and
transmit, by the incentive provider system, to the financial service provider system, commands to apply the one or more incentives to a transaction using the new financial service account, responsive to receiving a request initiated from the mobile application to purchase the product using the new financial service account.