System and method for universal instant credit
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United States of America Patent
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Jan 8, 2013
Grant Date -
N/A
app pub date -
May 16, 2011
filing date -
Mar 28, 2011
priority date (Note) -
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Abstract
Systems and methods for universal instant credit are disclosed. In one embodiment, a method of offering a financial instrument to a customer includes (1) using a computer processor, an issuer providing a customer with an application for a financial instrument; (2) the issuer receiving from the customer a completed application for the financial instrument; (3) using the computer processor, the issuer determining whether to approve the customer for the financial instrument; (4) using the computer processor, the issuer transmitting a first portion of an account identifier to a merchant; and (5) using the computer processor, the issuer transmitting a second portion of the account identifier to the customer. The financial instrument may be a credit card, a stored value card, a line of credit, etc.
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