Patent ID: 11966969
Assignee: FLEXSHOPPER, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method comprising:
communicating, via a network, with an e-commerce website to integrate a rent-to-own (RTO) payment option into a user interface of the e-commerce website;
in response to a consumer selecting the RTO payment option, providing an interface for communicating between the consumer and an RTO management system to complete an RTO payment transaction, the interface embedded within the e-commerce website to provide a unified transaction screen to the consumer;
receiving identifying data corresponding to an item to be purchased using the RTO payment option, the identifying data describing the item, a price of the item, a type of the item, and information regarding whether the item is transaction eligible;
receiving, through the interface for communicating with the RTO management system, identifying information of the consumer;
providing, through the interface for communicating with the RTO management system, a spending limit and RTO transaction terms corresponding to the item to be purchased using the RTO payment option, the spending limit determined particularly for the consumer and based on the identifying data of the item;
receiving, through the interface for communicating with the RTO management system, an indication of the consumer's acceptance of the RTO transaction terms; and
providing a payment confirmation to the e-commerce website for the item.