PROVIDING DYNAMIC RESULTS FROM A STATIC BARCODE

1 . A method for providing dynamic results from a static barcode, the method comprising:

coupling a static barcode with a company's website;

correlating the static barcode with a dynamic redirect link, the redirect link pointing toward a first portion of media related to the company;

periodically changing the redirect link to point to a different portion of media related to the company, such that a mobile device scanning the static barcode at a first point in time will pull up the first portion of media and the mobile device scanning the same static barcode at a second point in time will pull up a second portion of media different than the first portion of media.

2 . An application platform configurable for processing a plurality of retail-branded credit cards comprising:

a configurable front end comprising a graphical user interface layer that is configurable to a specific one of said plurality of retail-branded credit cards;

a backend layer comprising credit card functionality for directly performing credit card transactions associated with said specific one of said plurality of retail-branded credit cards;

a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards;

a barcode coupler for coupling a static barcode with a company website associated with one of said plurality of retail-branded credit cards;

a correlator for correlating the static barcode with a dynamic redirect link, the redirect link pointing toward a first portion of media related to the company website; and

a redirector for periodically changing the redirect link to point to a different portion of media related to the company, such that a mobile device scanning the static barcode at a first point in time will pull up the first portion of media and the mobile device scanning the same static barcode at a second point in time will pull up a second portion of media different than the first portion of media.

3 . The application platform of claim 2 wherein front end provides location specific promotional ads to said user based on said location information associated with said user.

4 . The application platform of claim 2 wherein front end provides reward points to said user in response to said user completing a transaction using said specific one of said plurality of retail-branded credit cards.

5 . The application platform of claim 2 wherein front end provides a payment interface that enables said user to pay a bill associated with said specific one of said plurality of retail-branded credit cards.

6 . The application platform of claim 2 wherein front end provides a mobile receipt associated a transaction using said specific one of said plurality of retail-branded credit cards to said user.

7 . The application platform of claim 2 wherein front end provides a gift card store front that enables said user to purchase a gift card using said specific one of said plurality of retail-branded credit cards.

8 . The application platform of claim 2 further comprising:

a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for approving credit issuance to said user.

9 . The application platform of claim 2 further comprising:

a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for creating a credit account for said user.

10 . The application platform of claim 2 further comprising:

a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for using earned credit card rewards points associated with said user.

11 . The application platform of claim 2 further comprising:

a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for buying items at a store associated with said specific one of said plurality of retail-branded credit cards.

12 . The application platform of claim 2 further comprising:

a downloadable portion for installation on a device associated with a user, wherein said downloadable portion can be used directly for receiving promotions associated with said specific one of said plurality of retail-branded credit cards.

13 . A method of applying for credit on a mobile device comprising:

accessing an application form for entering user information needed for a user to apply for credit for one of said plurality of retail-branded credit cards;

receiving approval of credit from said one of said plurality of retail-branded credit cards, said approval including an invitation to download a retail credit card application;

downloading said retail credit card application on a mobile device associated with said user;

using said retail credit card application to make a purchase at a retail outlet associated with said one of said plurality of retail-branded credit cards;

receiving user specific loyalty rewards provided to said user on said mobile device;

scanning a first time a static barcode associated with a company's website to access a dynamic redirect link, the redirect link pointing toward a first portion of media related to the company; and

scanning said static barcode a second time and accessing a different portion of media related to the company, such that a mobile device scanning the static barcode at a first point in time will pull up the first portion of media and the mobile device scanning the same static barcode at a second point in time will pull up a second portion of media different than the first portion of media.

14 . The method of claim 13 further comprising:

using said loyalty reward points associated with said one of said plurality of retail-branded credit cards to make said purchase from said mobile device.

15 . The method of claim 13 further comprising:

making a mobile payment associated with said purchase from said mobile device.

16 . The method of claim 13 further comprising:

purchasing a gift card using said one of said plurality of retail-branded credit cards from said mobile device.

17 . The method of claim 13 further comprising:

accessing a mobile receipt associated with said purchase from said mobile device.

18 . The method of claim 13 further comprising:

activating a credit card account tied to said user using said retail card application on said mobile device associated with said user.

19 . The method of claim 13 further comprising:

managing earned credit card rewards points associated with said user using said retail credit card application.

20 . The method of claim 13 further comprising:

receiving promotional information associated with said one of said plurality of retail-branded credit cards using said retail credit card application.

21 . A computer-implemented method for mobile credit-based purchases, said method comprising:

downloading a retail-branded credit card application on a mobile device associated with a user;

displaying a mobile payment card on a display screen of said mobile device, wherein said mobile payment card is linked to a payment system for processing transactions associated with a plurality of different retail-brand credit cards;

using said mobile payment card on said mobile device to make a purchase at a retail outlet associated with said one of said plurality of different retail-brand credit cards;

receiving loyalty promotion in response to making said purchase;

scanning a first time a static barcode associated with a company's website to access a dynamic redirect link, the redirect link pointing toward a first portion of media related to the company; and

scanning said static barcode a second time and accessing a different portion of media related to the company, such that a mobile device scanning the static barcode at a first point in time will pull up the first portion of media and the mobile device scanning the same static barcode at a second point in time will pull up a second portion of media different than the first portion of media.

22 . The computer-implemented method of claim 21 wherein said loyalty promotion is selected based on a location of said user.

23 . The computer-implemented method of claim 21 further comprising:

displaying optically machine-readable information for access to an account associated with said user.

24 . A computer-implemented method of claim 21 further comprising:

accessing an application form for entering user information needed for a user to apply for credit for one of said plurality of different retail-brand credit cards.

25 . The computer-implemented method of claim 21 further comprising:

displaying approval of credit from said one of said plurality of different retail-brand credit cards.

26 . The computer-implemented method of claim 21 further comprising:

activating a credit card account associated with said user using said retail card application on said mobile device associated with said user.

27 . The computer-implemented method of claim 21 further comprising:

managing earned credit card rewards points associated with said user using said retail credit card application.

28 . The computer-implemented method of claim 21 further comprising:

making a payment for said purchase using said retail credit card application.