Instant credit card marketing system
View Patent ↗According to some embodiments described in the disclosure, methods and systems are provided for offering a line of credit to a customer. In one example, information is generated about a customer arriving at a predetermined location of a sponsoring organization. An indication is obtained from a credit provider of a line of credit that has been established for the customer arriving at the predetermined location of the sponsoring organization, in which the customer has not solicited the line of credit. The sponsoring organization offers to the customer to activate the line of credit while the customer is at the predetermined location, and the line of credit is activated as part of a chargeable event at the predetermined location.
1. A method comprising:
receiving a reservation for future services from a customer, the future services to be provided to the customer at a predetermined location of a sponsoring organization;
after receiving the reservation for future services from the customer, determining, by a processor of a credit requesting system, information about the customer arriving at the predetermined location of the sponsoring organization to receive the services;
transmitting, by the processor of the credit requesting system, the information about the customer to a credit provider;
obtaining, by the processor of the credit requesting system, an indication from the credit provider of a line of credit that has been established for the customer arriving at the predetermined location of the sponsoring organization,
in which the customer has not solicited the line of credit, and
in which the indication of the line of credit that has been established for the customer comprises an indication that a credit card with the line of credit has been issued for the customer;
offering, by said sponsoring organization to the customer, to activate the line of credit while the customer is at the predetermined location; and
activating, by the processor of the credit requesting system, the line of credit as part of a chargeable event at the predetermined location,
in which activating the line of credit comprises activating the credit card.
2. The method of claim 1 , in which the information comprises a transaction history associated with the customer.
3. The method of claim 1 , in which generating information about the customer comprises:
creating a data record indicating a credit status for the customer.
4. The method of claim 1 , further comprising:
providing at least one incentive to the customer to make a purchase at the predetermined location.
5. The method of claim 1 , further comprising:
transmitting an indication of a guarantee for an amount in excess of the line of credit.
6. The method of claim 1 , further comprising:
transmitting to the credit provider an indication of an amount of credit for the customer.
7. The method of claim 6 , in which the line of credit is based on the amount of credit.
8. A non-transitory computer-readable medium storing instructions configured to direct a processor to perform steps of:
receiving a reservation for future services from a customer, the future services to be provided to the customer at a predetermined location of a sponsoring organization;
after receiving the reservation for future services from the customer, determining, by a processor of a credit requesting system, information about the customer arriving at the predetermined location of the sponsoring organization to receive the services;
transmitting, by the processor of the credit requesting system, the information about the customer to a credit provider;
obtaining, by the processor of the credit requesting system, an indication from the credit provider of a line of credit that has been established for the customer arriving at the predetermined location of the sponsoring organization,
in which the customer has not solicited the line of credit, and
in which the indication of the line of credit that has been established for the customer comprises an indication that a credit card with the line of credit has been issued for the customer;
offering, by said sponsoring organization to the customer, to activate the line of credit while the customer is at the predetermined location; and
activating, by the processor of the credit requesting system, the line of credit as part of a chargeable event at the predetermined location,
in which activating the line of credit comprises activating the credit card.
9. A device comprising:
a processor; and
a computer-readable medium in communication with the processor, the computer-readable medium storing instructions configured to direct a processor to perform steps of:
receiving a reservation for future services from a customer, the future services to be provided to the customer at a predetermined location of a sponsoring organization;
after receiving the reservation for future services from the customer, generating information about the customer arriving at the predetermined location of the sponsoring organization to receive the services;
obtaining an indication from a credit provider of a line of credit that has been established for the customer arriving at the predetermined location of the sponsoring organization,
in which the customer has not solicited the line of credit, and
in which the indication of the line of credit that has been established for the customer comprises an indication that a credit card with the line of credit has been issued for the customer;
offering by said sponsoring organization to the customer, to activate the line of credit while the customer is at the predetermined location; and
activating the line of credit as part of a chargeable event at the predetermined location,
in which activating the line of credit comprises activating the credit card.
10. A method for obtaining credit for a customer comprising the steps of:
receiving a reservation for future services from a customer, the future services to be provided to the customer at a particular location of a sponsoring organization;
after receiving the reservation for future services from the customer, generating, by a processor of a credit requesting system, information about the customer who is expected to arrive at the particular location of the sponsoring organization to receive the services;
transmitting, by the processor of the credit requesting system, the information about the customer to a credit provider;
obtaining, by the processor of the credit requesting system, an indication from a credit provider of a line of credit that has been established for the customer who is expected to arrive at the particular location of the sponsoring organization,
in which the customer has not solicited the line of credit, and
in which the indication of the line of credit that has been established for the customer comprises an indication that a credit card with the line of credit has been issued for the customer;
then offering, by said sponsoring organization, said credit line to said customer while said customer is at said location; and
activating, by the processor of the credit requesting system, said credit line as part of a chargeable event at said location,
in which activating said credit line comprises activating the credit card.
11. The method of claim 10 , in which the information comprises a transaction history associated with said customer.
12. The method of claim 10 , further comprising:
creating a data record indicating a credit status for said customer.
13. The method of claim 10 , further comprising:
providing at least one incentive to said customer to make a purchase at said location.
14. The method of claim 10 , further comprising:
transmitting an indication of a guarantee for an amount in excess of said credit line.
15. The method of claim 10 , further comprising:
transmitting to the credit provider an indication of an amount of credit for the customer.
16. The method of claim 15 , in which the credit line is based on the amount of credit.