CUSTOMER ACQUISITION WITHOUT INITIALLY RECEIVING PERSONALLY IDENTIFIABLE INFORMATION (PII)
A system and method for customer acquisition without initially receiving PII is disclosed. The method accesses, via a user's computing device, a device identifier (ID) associated with the user's computing device. The device ID is utilized to obtain a user specific information. The user specific information is provided to a credit path engine. The credit path engine utilizes the user specific information for a credit screen and provides, to the user's computing device, a prescribed credit path for the user.
1 . A method for customer acquisition without initially receiving personally identifiable information (PII), the method comprising:
receiving, at a provider's computing device, a device identifier (ID) associated with a computing device of a user;
utilizing, at the provider's computing device, the device ID to obtain a user specific information;
providing, via the provider's computing device, the user specific information to a credit path engine;
utilizing, at the credit path engine, the user specific information for a credit screen; and
providing, from the credit path engine to the computing device of the user, a prescribed credit path for the user.
2 . The method of claim 1 , wherein said obtaining the user specific information comprises:
utilizing the device ID to perform a proprietary database search for the user specific information.
3 . The method of claim 2 , wherein if no user specific information is found during said proprietary database search, said obtaining the user specific information further comprises:
performing a secondary source database search for the user specific information.
4 . The method of claim 1 , further comprising:
utilizing a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is retained in the user specific information.
5 . The method of claim 1 , further comprising:
performing a device fraud risk assessment based on the device ID; and
adding a result of the device fraud risk assessment to the user specific information.
6 . The method of claim 1 , further comprising:
performing an IP fraud risk assessment based on an IP address associated with the device ID; and
adding a result of the IP fraud risk assessment to the user specific information.
7 . The method of claim 1 , wherein the prescribed credit path for the user further comprises:
providing a credit limit approximation to a prequalification offer; and
providing a credit limit approximation to a preapproved offer.
8 . A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computer system to perform a method for customer acquisition without initially receiving personally identifiable information (PII), the method comprising:
receiving, at a provider's computing device, a device identifier (ID) associated with a computing device of a user;
utilizing, at the provider's computing device, the device ID to obtain a user specific information;
providing, via the provider's computing device, the user specific information to a credit path engine;
utilizing, at the credit path engine, the user specific information for a credit screen; and
providing, from the credit path engine and to the computing device of the user, a prescribed credit path for the user.
9 . The non-transitory computer-readable storage medium of claim 8 , wherein said obtaining the user specific information comprises:
utilizing the device ID to perform a proprietary database search for the user specific information.
10 . The non-transitory computer-readable storage medium of claim 9 , wherein if no user specific information is found during said proprietary database search, said obtaining the user specific information further comprises:
performing a secondary source database search for the user specific information.
11 . The non-transitory computer-readable storage medium of claim 8 , further comprising:
utilizing a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is retained in the user specific information.
12 . The non-transitory computer-readable storage medium of claim 8 , further comprising:
performing a device fraud risk assessment based on the device ID; and
adding a result of the device fraud risk assessment to the user specific information.
13 . The non-transitory computer-readable storage medium of claim 8 , further comprising:
performing an IP fraud risk assessment based on an IP address associated with the device ID; and
adding a result of the IP fraud risk assessment to the user specific information.
14 . The non-transitory computer-readable storage medium of claim 8 , wherein the prescribed credit path for the user further comprises:
providing a credit limit approximation to a prequalification offer; and
providing a credit limit approximation to a preapproved offer.
15 . A system comprising:
a display;
a memory; and
one or more processors to:
receive a device identifier (ID) associated with a computing device of a user;
utilize the device ID to obtain a user specific information;
provide the user specific information to a credit path engine;
utilize, via the credit path engine, the user specific information for a credit screen; and
provide, from the credit path engine and to the computing device of the user, a prescribed credit path for the user.
16 . The system of claim 15 , further comprising:
one or more processors to:
utilize the device ID to perform a proprietary database search for the user specific information.
17 . The system of claim 16 , further comprising:
one or more processors to:
perform a secondary source database search for the user specific information if limited or no user specific information is found during said proprietary database search.
18 . The system of claim 15 , further comprising:
one or more processors to:
utilizing a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is retained in the user specific information.
19 . The system of claim 15 , further comprising:
one or more processors to:
perform a device fraud risk assessment based on the device ID; and
add a result of the device fraud risk assessment to the user specific information.
20 . The system of claim 19 , further comprising:
one or more processors to:
perform an IP fraud risk assessment based on an IP address associated with the device ID; and
add a result of the IP fraud risk assessment to the user specific information.