A system and method of acquiring instant credit

Details A system and method of acquiring instant credit A system and method of acquiring instant credit

G - Physics

06

Q

G06Q 40/02 (2012.01)

Patent

CA 2682531

A computer-implemented system and method of providing for a credit card offer to a customer during a transaction for the customer to acquire an asset offered by a dealer is provided. The computer-implemented method may include acquiring, via a computer operated by the dealer, information for inclusion in a first credit application for financing the asset acquisition. Based on at least a portion of the acquired information, a second credit application is generated for submission to a credit card institution, where the second credit application is electronically sent to a credit card institution. A status indication associated with the approval of the second credit application based on an electronic communication received from the credit card institution is displayed on the computer operated by the dealer.

L'invention concerne un système et un procédé mis sur pied par ordinateur pour fournir une offre de carte de crédit à un client pendant une transaction afin que le client acquière un bien offert par un vendeur. Le procédé mis sur pied par ordinateur peut comprendre l'acquisition, via un ordinateur utilisé par le vendeur, d'informations destinées à être incluses dans une première demande de crédit pour financer l'acquisition d'un bien. Sur la base d'au moins une partie des informations acquises, une seconde demande de crédit est générée pour une soumission à un organisme de cartes de crédit, où la seconde demande de crédit est envoyée électroniquement à un organisme de cartes de crédit. Une indication d'état associée à l'approbation de la seconde demande de crédit sur la base d'une communication électronique reçue de l'organisme de cartes de crédit est affichée sur l'ordinateur utilisé par le vendeur.

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