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OBTAINING INSTANT CREDIT AT A POS WITH LIMITED INFORMATION

  • US 20130218693A1
  • Filed: 02/16/2012
  • Published: 08/22/2013
  • Est. Priority Date: 02/16/2012
  • Status: Active Grant
First Claim
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1. A system, comprising:

  • a computer storage storing account information for a plurality of users and a plurality of merchants, wherein the information for at least one of the users comprises a user name, a user zip code, a user date of birth, and at least last four digits of a user'"'"'s social security number; and

    a processor coupled to the computer storage operable to;

    receive a payment request from a transaction device at a merchant point of sale (POS);

    receive identification information for a user, wherein the identification information comprises a last name, a zip code, and a date of birth of the user;

    access an account of the user based on the received identification information;

    receive, by a payment provider, last four digits of a social security number (SSN) of the user; and

    process the payment request.

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