METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE

摘要

A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

主权项

1. A system comprising:
one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: present one or more credit products to a consumer on a consumer device at a point of sale with a merchant via an interactive interface on the consumer device; and process a transaction at the merchant's point-of sale without redirecting the consumer to a third party site such that the merchant retains interaction with the consumer on the interactive interface throughout completion of the transaction including presentation of the one or more credit products, application for the one or more credit products, and consummation of the transaction.