Patent ID: 8370253

Claim:
A computerized method performed by a broker system, to provide online credit brokering for point of sale leasing of goods from a lessor to a buyer based upon a sale of said goods from a seller to said lessor, wherein said buyer has a buyer system, said lessor has a lessor system, and said seller has a seller system, said method comprising: presenting to said buyer system, one or more credit options; receiving, from said buyer system, a selection of a credit option from said one or more credit options, thus yielding a selected credit option; performing a credit application approval process, via a computer, by passing credit application data for said buyer through a progressive cumulative filtering, and rejecting said credit application in response to said credit application data failing said progressive cumulative filtering; qualifying said buyer for said selected credit option in response to said credit application data satisfying underwriting criteria; and notifying said buyer system, said seller system, and said lessor system of an initial approval of a lease to said buyer, in response to said buyer qualifying for said selected credit option.