IP Library Patent Application 15164740
Patent Application
App. No. 15/164,740

CLIENTELING CREDIT SUGGESTION CONFIDENCE

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Quick Facts
Patent No.
US None
App. No.
15/164,740
Abstract

A method for providing clienteling credit suggestion confidence is disclosed. The method comprises obtaining identification information about a client. Next, the present method then utilizes the identification information to prescreen the client for a store credit offer. Then, the present method provides a confidential signal indicating the result of the prescreen.

Claims (50)

1 . A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computer system to perform a method for clienteling credit suggestion confidence, the method comprising:

obtaining identification information about a client;

utilizing the identification information to prescreen the client for a store credit offer; and

providing a confidential signal based on a result of the prescreen, the signal indicating the result of the prescreen.

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

providing a positive signal to an associate, the positive signal informing the associate that the client has passed the prescreen.

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

providing a negative signal to an associate, the negative signal informing the associate that the client has not passed the prescreen.

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

receiving a minimum store credit offer amount for the client; and

prescreening the client based on the minimum store credit offer amount.

5 . The non-transitory computer-readable storage medium of claim 1 , further comprising: presenting the store credit offer to the client.

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

providing a bonus to an associate when the store credit offer is accepted.

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

utilizing the identification information about the client to create a client profile;

updating the client profile with information received from an associate;

updating the client profile with a purchase history of the client; and

updating the client profile with information received from the client.

8 . The non-transitory computer-readable storage medium of claim 7 , further comprising:

utilizing the client profile to develop relevant offers to the client from a group of offers consisting of: new items for sale, items for date specific events, items that fit a client's needs, items that fit a client's purchase behavior and items on sale.

9 . A clienteling credit suggestion confidence system comprising:

a client credit prescreen module to receive information about a client and utilize the information to perform a store credit qualification prescreen;

a client profile developer to create and update a client profile based on received information about the client; and

a client credit prescreen indicator to provide a confidential indication of a result of the store credit qualification prescreen.

10 . The system of claim 9 wherein a positive indication informs an associate that the client has passed the store credit qualification prescreen.

11 . The system of claim 9 wherein a negative indication informs an associate that the client has not passed the store credit qualification prescreen.

12 . The system of claim 9 wherein the client credit prescreen module receives a minimum credit limit for a client and utilize performs the store credit qualification prescreen based on the minimum credit limit.

13 . The system of claim 9 wherein the received information about the client is selected from the group consisting of: identification information, clothing size, style, taste, likes, dislikes, family members, address, important dates and purchase history.

14 . The system of claim 9 wherein the client profile is stored in a client profile database.

15 . The system of claim 9 wherein the client profile is updated with information received from the client.

16 . A computer-implemented method for clienteling credit suggestion confidence, the method comprising:

obtaining identification information about a client;

utilizing the identification information about the client to create a client profile;

utilizing the client profile to prescreen the client for a store credit offer;

providing a confidential signal based on a result of the prescreen, the signal indicating the result of the prescreen; and

presenting the store credit offer to the client if the client is approved.

17 . The computer-implemented method as recited in claim 16 , further comprising:

providing a positive signal to an associate, the positive signal informing the associate that the client is approved.

18 . The computer-implemented method of claim 16 , further comprising:

providing a negative signal to an associate, the negative signal informing the associate that the client is not approved.

19 . The computer-implemented method as recited in claim 16 , further comprising:

receiving a minimum store credit offer amount for the client; and

prescreening the client based on the minimum store credit offer amount.

20 . The computer-implemented method as recited in claim 16 , further comprising:

updating the client profile with information received from an associate;

updating the client profile with a purchase history of the client; and

updating the client profile with information received from the client.

21 . The computer-implemented method as recited in claim 16 , further comprising:

utilizing the client profile to develop relevant offers to the client from a group of offers consisting of: new items for sale, items for date specific events, items that fit a client's needs, items that fit a client's purchase behavior and items on sale.

Assignments (2)
MERGER AND CHANGE OF NAME Recorded Mar 21, 2023
From: COMENITY LLC; BREAD FINANCIAL PAYMENTS, INC
To: BREAD FINANCIAL PAYMENTS, INC.
Reel/Frame 063125/0756 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 25, 2016
From: AINSWORTH, RICHARD BARBER, III; ARMSTRONG, TODD
To: COMENITY LLC
Reel/Frame 038721/0297 →