Patent ID: 8719159

Claim:
A system comprising: a computing device with a storage mechanism, having instructions which, when executed by a processor mechanism of the computing device, causes the processor mechanism to: transmit at least one data field of credit issuer data for presentation of at least one credit product offer to a consumer using a consumer computing device at a point-of-sale of a merchant, wherein the at least one credit product offer is presented to the consumer on an electronic interactive interface of the merchant displayed on the consumer computing device; obtain 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 point-of sale without redirecting the consumer using the consumer computing device to a third party location such that the merchant has control of the consumer's interactive interface throughout completion of the transaction including presentation, application and consummation between the consumer and a credit issuer.