US 12,462,270 B2
System and methods for soft credit approval using text redirect
Steve Doumar, Fort Lauderdale, FL (US); and David Teodosio, Guilford, CT (US)
Assigned to TAPTEXT LLC, Coral Springs, FL (US)
Filed by TapText llc, Coral Springs, FL (US)
Filed on Mar. 2, 2023, as Appl. No. 18/177,590.
Application 18/177,590 is a continuation in part of application No. 18/161,086, filed on Jan. 29, 2023.
Application 18/161,086 is a continuation in part of application No. 17/942,227, filed on Sep. 12, 2022, granted, now 12,158,938.
Application 18/161,086 is a continuation in part of application No. 17/943,118, filed on Sep. 12, 2022, granted, now 12,067,587.
Application 17/942,227 is a continuation in part of application No. 17/875,402, filed on Jul. 27, 2022, granted, now 11,861,640.
Application 17/942,227 is a continuation in part of application No. 17/409,841, filed on Aug. 24, 2021, granted, now 11,610,193.
Application 17/875,402 is a continuation in part of application No. 17/360,731, filed on Jun. 28, 2021, granted, now 11,871,308.
Application 17/943,118 is a continuation in part of application No. 17/351,321, filed on Jun. 18, 2021, granted, now 11,201,965, issued on Dec. 14, 2021.
Application 17/351,321 is a continuation of application No. 17/349,659, filed on Jun. 16, 2021, granted, now 11,488,188, issued on Nov. 1, 2022.
Application 17/875,402 is a continuation of application No. 17/349,659, filed on Jun. 16, 2021, granted, now 11,488,188, issued on Nov. 1, 2022.
Application 17/349,659 is a continuation of application No. 17/348,660, filed on Jun. 15, 2021, granted, now 11,232,471.
Application 17/348,660 is a continuation of application No. 17/344,695, filed on Jun. 10, 2021, granted, now 11,354,691, issued on Jun. 7, 2022.
Application 17/344,695 is a continuation of application No. 17/229,251, filed on Apr. 13, 2021, abandoned.
Application 17/360,731 is a continuation in part of application No. 17/229,251, filed on Apr. 13, 2021, abandoned.
Application 17/229,251 is a continuation in part of application No. 17/209,474, filed on Mar. 23, 2021, granted, now 11,599,916.
Application 17/209,474 is a continuation in part of application No. 17/208,059, filed on Mar. 22, 2021, granted, now 11,562,407, issued on Jan. 24, 2023.
Application 17/208,059 is a continuation in part of application No. 17/191,977, filed on Mar. 4, 2021, abandoned.
Application 17/191,977 is a continuation in part of application No. 17/190,260, filed on Mar. 2, 2021, granted, now 11,532,020, issued on Dec. 20, 2022.
Application 17/190,260 is a continuation in part of application No. 17/153,426, filed on Jan. 20, 2021, abandoned.
Application 17/360,731 is a continuation in part of application No. 17/085,931, filed on Oct. 30, 2020, granted, now 11,055,736, issued on Jul. 6, 2021.
Application 17/085,931 is a continuation in part of application No. 16/693,275, filed on Nov. 23, 2019, granted, now 11,270,354, issued on Mar. 8, 2022.
Claims priority of provisional application 63/411,837, filed on Sep. 30, 2022.
Claims priority of provisional application 63/411,163, filed on Sep. 29, 2022.
Claims priority of provisional application 63/350,415, filed on Jun. 9, 2022.
Claims priority of provisional application 63/319,314, filed on Mar. 12, 2022.
Claims priority of provisional application 63/211,496, filed on Jun. 16, 2021.
Claims priority of provisional application 63/166,391, filed on Mar. 26, 2021.
Claims priority of provisional application 63/154,357, filed on Feb. 26, 2021.
Claims priority of provisional application 63/040,610, filed on Jun. 18, 2020.
Claims priority of provisional application 63/025,287, filed on May 15, 2020.
Claims priority of provisional application 63/022,190, filed on May 8, 2020.
Claims priority of provisional application 62/994,219, filed on Mar. 24, 2020.
Claims priority of provisional application 62/965,626, filed on Jan. 24, 2020.
Claims priority of provisional application 62/963,568, filed on Jan. 21, 2020.
Claims priority of provisional application 62/963,379, filed on Jan. 20, 2020.
Claims priority of provisional application 62/963,368, filed on Jan. 20, 2020.
Claims priority of provisional application 62/940,607, filed on Nov. 26, 2019.
Claims priority of provisional application 62/904,568, filed on Sep. 23, 2019.
Claims priority of provisional application 62/883,360, filed on Aug. 6, 2019.
Claims priority of provisional application 62/879,862, filed on Jul. 29, 2019.
Prior Publication US 2023/0281653 A1, Sep. 7, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04M 1/64 (2006.01); G06F 16/955 (2019.01); G06F 21/32 (2013.01); G06F 21/62 (2013.01); G06K 7/14 (2006.01); G06K 19/06 (2006.01); G06N 20/00 (2019.01); G06Q 10/0631 (2023.01); G06Q 30/016 (2023.01); G06Q 30/0201 (2023.01); G06Q 30/0207 (2023.01); H04M 3/523 (2006.01); H04M 3/527 (2006.01); H04M 3/533 (2006.01); G06Q 30/0251 (2023.01)
CPC G06Q 30/0207 (2013.01) [G06F 16/9554 (2019.01); G06F 16/9558 (2019.01); G06F 21/32 (2013.01); G06F 21/6245 (2013.01); G06K 7/1417 (2013.01); G06K 19/06037 (2013.01); G06N 20/00 (2019.01); G06Q 10/06315 (2013.01); G06Q 30/016 (2013.01); G06Q 30/0201 (2013.01); H04M 3/523 (2013.01); H04M 3/527 (2013.01); H04M 3/53308 (2013.01); H04M 3/53333 (2013.01); G06F 2221/2139 (2013.01); G06Q 30/0267 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for soft credit approval using text redirect, comprising:
one or more computing devices comprising a memory, a processor, and a non-volatile data storage device;
a first database stored on the non-volatile data storage device, comprising a plurality of lender instructions, each lender instruction of the plurality of lender instructions comprising a scheme for generating placement of call-to-action elements and an approval procedure for qualifying a consumer for receiving credit;
a positioning manager comprising a first plurality of programming instructions stored in the memory which, when operating on the processor, causes the one or more computing devices to:
retrieve a lender instruction from the first database;
generate a call-to-action element comprising coding instructions configured to generate a pre-filled short message service (SMS) or multi-media message service (MMS) message comprising a destination, an identifier, and consumer financial information, such that interaction with the call-to-action element on the user computing device causes the user computing device to propagate the pre-filled SMS or MMS message;
place the call-to-action element according to the scheme specified in the lender instruction; and
save the identifier to the lender instruction in the database; and
a consumer credit manager comprising a second plurality of programming instructions stored in the memory which, when operating on the processor, causes the one or more computing devices to:
receive the SMS or MMS message from the user computing device via the destination;
retrieve from the first database a lender instruction using the identifier;
analyze, using the consumer financial information and the approval procedure, the consumer's qualification for receiving credit;
send a notification to the lender; and
send a second notification to the consumer.