公开(公告)号：US20200051115A1

公开(公告)日：2020-02-13

申请号：US16657404

申请日：2019-10-18

Applicant: Comenity LLC

Inventor： Jess LAWRENCE ,  Uchenna Chilaka ,  Christian Billman ,  Timothy D. Pontious ,  Christina Mosholder

IPC: G06Q30/02 ,  H04W12/06 ,  H04L29/06 ,  H04W4/14

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.

公开(公告)号：US11361317B2

公开(公告)日：2022-06-14

申请号：US16712892

申请日：2019-12-12

Applicant: Comenity LLC

Inventor： Christian Billman ,  Uchenna Chilaka ,  Christina Mosholder ,  Randall Piatt ,  Timothy D. Pontious ,  Tom Pugh ,  Celeste Rechner

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/38

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.

公开(公告)号：US20220036453A1

公开(公告)日：2022-02-03

申请号：US17499855

申请日：2021-10-12

Applicant: Comenity LLC

Inventor： Timothy D. Pontious ,  Celeste Rechner

IPC: G06Q40/02 ,  G06Q20/24

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.

公开(公告)号：US12236479B2

公开(公告)日：2025-02-25

申请号：US16579083

申请日：2019-09-23

Applicant: Comenity LLC

Inventor： Jess Lawrence ,  Timothy D. Pontious ,  Christina Mosholder ,  Christian Billman ,  Uchenna Chilaka ,  Celeste Rechner ,  Timothy Jones

IPC: G06Q40/00 ,  G06Q40/03 ,  H04W4/021 ,  H04W4/029

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.

公开(公告)号：US11436626B2

公开(公告)日：2022-09-06

申请号：US16657404

申请日：2019-10-18

Applicant: Comenity LLC

Inventor： Jess Lawrence ,  Uchenna Chilaka ,  Christian Billman ,  Timothy D. Pontious ,  Christina Mosholder

IPC: H04W12/00 ,  H04W4/14 ,  G06Q30/02 ,  H04L9/40 ,  H04W12/06

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.

公开(公告)号：US20210019742A1

公开(公告)日：2021-01-21

申请号：US16694904

申请日：2019-11-25

Applicant: Comenity LLC

Inventor： Timothy D. Pontious ,  Christina Mosholder ,  Nicole Meade

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q40/02

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.