Mobile credit acquisition

1. A non-transitory computer-readable storage medium having instructions embodied therein that when executed by one or more processors, cause a computer system to perform a method for mobile credit acquisition, the method comprising:

deploying a shopping incentive offer, said shopping incentive offer for a shopping incentive;

after deploying the shopping incentive offer, the method further comprising:

receiving, at the computer system and from a user's mobile device said shopping incentive offer, a device identifier associated with the user's mobile device;

receiving, at the computer system and from the user's mobile device said shopping incentive offer, a user identifier for a user;

utilizing, at the computer system, the device identifier and the user identifier to obtain a user specific information useable for a credit prescreen, the obtaining of the user specific information comprising:

contacting, via the computer system, a plurality of mobile carriers;

providing, via the computer system and to the plurality of mobile carrier, the device identifier to determine a specific mobile carrier providing service for said User's mobile device; and

providing, via the computer system and to the specific mobile carrier, the user identifier to obtain, from said specific mobile carrier, the user specific information;

utilizing, via the computer system, said user specific information to perform the credit prescreen;

providing, from the computer system and to the user's mobile device, the shopping incentive; and

providing, from the computer system and to the user's mobile device, a pre-approved credit offer in conjunction with said shopping incentive.

2. The non-transitory computer-readable storage medium of claim 1 , wherein said deploying said shopping incentive offer further comprises:

deploying said shopping incentive offer in a physical location within a retail store providing said shopping incentive.

3. The non-transitory computer-readable storage medium of claim 1 , wherein said deploying said shopping incentive offer further comprises:

deploying said shopping incentive offer to said user's mobile device when a location of said user's mobile device is in proximity to a retail store providing said shopping incentive.

4. The non-transitory computer-readable storage medium of claim 1 , further comprising:

receiving a phone number associated with said user's mobile device as said device identifier.

5. The non-transitory computer-readable storage medium of claim 1 , further comprising:

receiving a zip code as said user identifier.

6. The non-transitory computer-readable storage medium of claim 1 , wherein receiving a device identifier and receiving a user identifier further comprises:

receiving both said user identifier and said device identifier in a single response from said user's mobile device.

7. The non-transitory computer-readable storage medium of claim 1 , wherein said performing the credit prescreen further comprises:

providing, via the computer system, the user specific information to a credit reporting agency; and

receiving, at the computer system, a credit prescreen result from the credit reporting agency based on the provided user specific information.

8. The non-transitory computer-readable storage medium of claim 1 , further comprising:

providing an additional shopping incentive offer to said user, in conjunction with said shopping incentive and said pre-approved credit offer, said additional shopping incentive offer including a contingency such that an additional shopping incentive is only available after said user successfully completes the pre-approved credit offer.

9. The non-transitory computer-readable storage medium of claim 1 , further comprising:

providing a digital credit account identifier to said user's mobile device when said user successfully completes the pre-approved credit offer, said digital credit account identifier instantly available to be used as a form of payment.