Patent ID: 8554669

Claim:
A computer-implemented system, comprising: a central computing device with a storage mechanism, having instructions which, when executed by a processor mechanism of the central computing device, causes the processor mechanism to: build a central database including a plurality of data fields; receive a credit issuer data set from at least one credit issuer including a plurality of data fields for population in the central database; associate the credit issuer data set with the at least one credit issuer; and transmit at least one data field in the credit issuer data set in a form capable of at least partially supporting presentation of at least one credit product offer, by a merchant on an electronic interactive interface of the merchant at an online point-of-sale location, to a consumer using a consumer computing device, wherein the at least one credit product offer is presented to the consumer on the merchant's electronic interactive interface displayed on the consumer computing device; obtain application input data via the electronic interactive interface of the merchant from the consumer computing device of the consumer applying for the at least one credit product offer, wherein the consumer receives a result on the electronic interactive interface on the consumer computing device; and process a transaction at the merchant's online point-of sale location without redirecting the consumer using the consumer computing device from the online point-of-sale location of the merchant such that the merchant maintains control over the consumer at the online point-of-sale location of the merchant at all times during the transaction, as well as during any credit transaction or credit product presentation, application and consummation between the consumer and the at least one credit issuer, while the at least one credit issuer maintains control over the credit issuer data set.