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The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Patent No.:

US 12462270 B1

PDFFull Text
Date of Patent:
Nov. 04, 2025

Filed:

Mar. 02, 2023

System and methods for soft credit approval using text redirect

Applicant:

Taptext Llc, Coral Springs, FL (US);

Inventors:

Steve Doumar, Fort Lauderdale, FL (US);

David Teodosio, Guilford, CT (US);

Assignee:

TAPTEXT LLC, Coral Springs, FL (US);

Attorneys:

Galvin Patent Law LLC

Brian R Galvin

Primary Examiner:

Md S Elahee

Int. Cl.
CPC ...
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);
U.S. Cl.
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);
Abstract

A system and method for soft credit approval using text redirect. The first step is engagement by a user computing device, such as a mobile phone, with a call-to-action element that may be embedded in various media including a QR code or NFC-enabled beacon and that triggers a text message to auto-populate on the user computing device. The auto-populated message comprises a unique identifier and consumer financial information. The second step is for the user to tap to send the auto-populated message to a credit analysis manager, which evaluates the consumer financial information according to the lender's lending criteria and instructions. Optionally, the system may integrate with a universal identification and passport manager, send pre-qualified credit offers to the consumer, and send an automatically completed credit application to the lender upon consumer approval.

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