US 12,236,479 B2
Determining attribution for an electronic credit application
Jess Lawrence, Lewis Center, OH (US); Timothy D. Pontious, Gahanna, OH (US); Christina Mosholder, Powell, OH (US); Christian Billman, Gahanna, OH (US); Uchenna Chilaka, Blacklick, OH (US); Celeste Rechner, Upper Arlington, OH (US); and Timothy Jones, Westerville, OH (US)
Assigned to BREAD FINANCIAL PAYMENTS, INC., Columbus, OH (US)
Filed by Comenity LLC, Columbus, OH (US)
Filed on Sep. 23, 2019, as Appl. No. 16/579,083.
Claims priority of provisional application 62/735,641, filed on Sep. 24, 2018.
Prior Publication US 2020/0098041 A1, Mar. 26, 2020
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/03 (2023.01); H04W 4/021 (2018.01); H04W 4/029 (2018.01)
CPC G06Q 40/03 (2023.01) [H04W 4/021 (2013.01); H04W 4/029 (2018.02)] 16 Claims
OG exemplary drawing
 
1. A system comprising:
an electronic application hardware receiver configured to receive, via an Internet connection, an electronic application, the electronic application comprising user identification information provided by a user;
a location hardware receiver independent of said electronic application hardware receiver configured to receive application location information related to the electronic application, said application location information received separately from said electronic application, the application location information obtained from an electronic device, the application location information not provided by the user, the application location information replacing any application location information provided by the user, the application location information comprising a common identifier to tie said application location information with said electronic application; and
an attribution determiner configured to:
utilize said common identifier to correlate said electronic application with said application location information;
determine a location from said application location information, said location being determined at a time said electronic application was transmitted;
use the determined location to identify a specific store;
generate a store attribution for said electronic application for said specific store; and
update an attribution quota of electronic applications for said specific store with said generated store attribution.