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Integrated Credit Application and Merchant Transaction Including Concurrent Visualization of Transaction Details

机译:综合信用申请和商家事务包括交易详细信息的并发可视化

摘要

The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.
机译:本公开涉及系统,软件和计算机实现的方法,用于通过金融机构将立即信用应用程序和决策集成到商家系统上执行的正在进行的事务中。一个示例方法包括接收对第二系统的持续交易相关联的新信用的请求,该请求与包括会话ID和一组交易信息的事务有效载荷相关联。呈现数字信用申请,并且至少有一些交易信息集合与数字信用申请同时呈现。为了响应批准信用申请,生成了一个新帐户,使用会话ID将用户重定向回商家系统,并且信用账户信息被安全地发送回商家。恢复正在进行的事务的状态,并使用新的付款信息来完成交易。

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