US 10,891,603 B2
Systems and methods for providing manufacturer-based financial service accounts
Tobias D. Russell, Alexandria, VA (US); Drew Jacobs, Arlington, VA (US); and Luke A. Hammock, Washington, DC (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed on Mar. 11, 2018, as Appl. No. 15/917,833.
Application 15/917,833 is a continuation of application No. 15/368,538, filed on Dec. 2, 2016, granted, now 9,916,571.
Application 15/368,538 is a continuation of application No. 14/936,622, filed on Nov. 9, 2015, granted, now 9,542,672, issued on Jan. 10, 2017.
Application 14/936,622 is a continuation of application No. 14/330,506, filed on Jul. 14, 2014, granted, now 9,235,835, issued on Jan. 12, 2016.
Claims priority of provisional application 61/846,112, filed on Jul. 15, 2013.
Prior Publication US 2018/0197164 A1, Jul. 12, 2018
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/04 (2012.01); G06K 19/06 (2006.01); G06Q 20/32 (2012.01); G06Q 20/28 (2012.01)
CPC G06Q 20/204 (2013.01) [G06K 19/06028 (2013.01); G06Q 20/047 (2020.05); G06Q 20/20 (2013.01); G06Q 20/28 (2013.01); G06Q 20/322 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for providing an account associated with a manufacturer of a product, the method comprising:
displaying, by a mobile client device, a user interface instructing a user of the mobile client device to initiate a product code collection;
determining a global positioning system (GPS) location of the mobile client device;
scanning, by a scanning component of the mobile client device, machine-readable code information associated with the product, the product being:
offered for sale by a merchant; and
associated with the manufacturer;
determining a product code based on the scanned code information;
transmitting, by the mobile client device via a network, to a system configured to create financial accounts:
account application information of the user; and
the product code;
receiving, before the user leaves the merchant location and before purchasing the product, by the mobile client device via the network, from the system configured to create financial accounts, an indication that the system configured to create financial accounts approved a future purchase of the product using a manufacturer-based financial service account associated with the manufacturer of the product, the manufacturer-based financial service account being newly created based on at least the account application information and the product code, the indication comprising a purchase code for completing the purchase of the product by using the manufacturer-based financial service account to provide funds;
displaying, by a user interface of the mobile client device, the purchase code;
providing the purchase code by the mobile client device to a point-of-sale system associated with the merchant;
receiving, by the mobile client device via the network, a confirmation that the purchase of the product was completed through a provision of funds from the manufacturer-based financial service account in response to receiving the purchase code by the point-of-sale system; and
displaying the confirmation in the user interface.