REMOTE CREDIT ISSUANCE SYSTEM

摘要

Systems and methods for establishing a credit account are disclosed. The systems and methods may receive a first encrypted payload comprising application data associated with a credit application by a credit issuer. The first encrypted payload may be decrypted to provide intelligible application data comprising applicant identifying information. A credit application can be processed using the applicant identifying information and a credit account can be established based on the credit worthiness determined and associated with the applicant. A second encrypted payload comprising credit account information associated with the credit account can then be established and transmitted to a client at the first location.

主权项

1. A method for establishing a credit account, the method comprising:
receiving a first encrypted payload comprising application data associated with a credit application by a credit issuer, the application data being transmitted over the Internet and originating from a first location remote from the credit issuer; decrypting the first encrypted payload to provide intelligible application data comprising applicant identifying information; processing a credit application using the applicant identifying information to determine credit worthiness; establishing a credit account based on the credit worthiness determined and associated with the applicant associated with the applicant identifying information; preparing a second encrypted payload comprising credit account information associated with the credit account established; transmitting the second encrypted payload to a client at the first location over the Internet; and wherein, a client device at the first location decrypts the second encrypted payload to provide intelligible credit account data and updates, replaces, or creates a token uniquely associated with the credit account based on the credit account data at the first location.