Obtaining transaction accounts using identification cards
First Claim
1. A method, comprising:
- receiving, at an input device, captured personal information from an identification card used to identify an individual;
determining, using the input device, validity of the identification card;
when the determining is successful, populating, using the input device, the personal information into a transaction account application;
transmitting, using the input device, the populated transaction account application to a transaction account provider to evaluate the populated transaction account application and produce a result of the evaluation; and
receiving the result of the evaluation at the input device.
3 Assignments
0 Petitions
Accused Products
Abstract
A system, method, and computer program product are used to obtain a transaction account. The system comprises at least one input device, at least one credit requesting system, at least one transaction account provider, and at least one credit reporting agency. The input device receives an identification card (e.g., driver'"'"'s license) and possibly additional information from an individual. The data is then used to automatically generate a transaction account application The transaction account provider receives and evaluates the transaction account application. The credit requesting system is coupled to the transaction account provider and the at least one input device. The credit requesting system controls transmission of the transaction account application to the transaction account provider and receives the evaluation result from the transaction account provider.
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Citations
16 Claims
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1. A method, comprising:
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receiving, at an input device, captured personal information from an identification card used to identify an individual; determining, using the input device, validity of the identification card; when the determining is successful, populating, using the input device, the personal information into a transaction account application; transmitting, using the input device, the populated transaction account application to a transaction account provider to evaluate the populated transaction account application and produce a result of the evaluation; and receiving the result of the evaluation at the input device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system, comprising:
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means for capturing personal information from an identification card of an individual used to identify the individual and populating a transaction account application; and means for evaluating the populated transaction account application using a credit report received from at least one credit reporting agency that is based on the personal information in the populated transaction account application. - View Dependent Claims (9, 10, 11)
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12. A computer program product for obtaining a transaction account, the computer program product comprising a computer readable medium having control logic stored therein, said control logic comprising:
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first computer readable program code means for causing the computer to automatically receive, at an input device, captured personal information from an identification card used to identify an individual; second computer readable program code means for causing the computer to receive additional identifying information from the individual; third computer readable program code means for causing the computer to determine, using the input device, validity of the identification card; fourth computer readable code means for causing the computer to populate, using the input device, when the determining is successful, the personal information into a transaction account application; fifth computer readable code means for causing the computer to transmit, using the input device, the populated transaction account application to a transaction account provider to evaluate the populated transaction account application and produce a result of the evaluation; and sixth computer readable program code means for causing the computer to receive the result of the evaluation at the input device. - View Dependent Claims (13, 14)
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15. A tangible computer-readable medium having stored thereon, computer-executable instructions that, if executed by a computing device, cause the computing device to perform a method, the method comprising:
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receiving captured personal information from an identification card used to identify an individual; determining validity of the identification card; when the determining is successful, populating the personal information into a transaction account application; transmitting the populated transaction account application to a transaction account provider to evaluate the populated transaction account application and produce a result of the evaluation; and receiving the result of the evaluation. - View Dependent Claims (16)
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Specification