Systems and methods for providing manufacturer-based financial service accounts

摘要

The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

主权项

1. A computer-implemented method for providing real-time manufacturer-based financing, comprising:
receiving, from a mobile client device by a financial service provider system, a product code associated with a product that is offered for sale at a merchant location, wherein:
the product and the financial service provider system are associated with a manufacturer;the product code is affixed to at least one of the product, packaging for the product, a sign positioned in the merchant location, and a sign positioned outside the merchant location; andreceiving the product code includes receiving information collected using at least one of a bar code scanner mechanism, near-field communication, and short-range wireless technology; initiating, by the financial service provider system, creation of a manufacturer-based financial service account associated with the manufacturer of the product; providing, to the mobile client device by the financial service provider system, an account application for the manufacturer-based financial service account; receiving, from the mobile client device, user input of a user associated with the mobile client device, wherein the user input includes information associated with the account application; approving, based on the user input, a purchase of the product with the manufacturer-based financial service account; and providing, to the mobile client device, a purchase code identifying the manufacturer-based financial service account, the purchase code formatted for collection by a point of sale system and configured for purchasing the product using the manufacturer-based financial service account.