Abstract: Financing obtained from a lender may be processed by a retailer in a manner similar to a credit card. For example, transaction data associated with a transaction to acquire one or more items from the retailer may be entered at a point of sale terminal of the retailer. A request may be sent for a temporary shopping pass associated with an account of a consumer at the lender. The temporary shopping pass may be used as a virtual payment instrument to access financing (e.g., a loan, a lease, or a credit) provided by the lender. After receiving the temporary shopping pass, the shopping pass data included in the temporary shopping pass, such as a one-time card number, may be entered into the point of sale terminal. The transaction may be completed by processing the shopping pass data as a credit card type tender using the point of sale terminal.

Abstract: Financing obtained from a lender may be processed by a retailer in a manner similar to a credit card. For example, transaction data associated with a transaction to acquire one or more items from the retailer may be entered at a point of sale terminal of the retailer. A request may be sent for a temporary shopping pass associated with an account of a consumer at the lender. The temporary shopping pass may be used as a virtual payment instrument to access financing (e.g., a loan, a lease, or a credit) provided by the lender. After receiving the temporary shopping pass, the shopping pass data included in the temporary shopping pass, such as a one-time card number, may be entered into the point of sale terminal. The transaction may be completed by processing the shopping pass data as a credit card type tender using the point of sale terminal.

Abstract: Some implementations may include a settlement facilitation hub (SFH) to receive, from one or more retailers, transaction data comprising one or more retailer transactions. The SFH may store each retailer transaction. Based on a lender identifier of each retailer transaction, the SFH may create, for a clearinghouse associated with one or more lenders, settlement transaction data that includes a portion of the stored transactions. After providing the settlement transaction data to the clearinghouse, the SFH may receive transaction results indicating results of the clearinghouse initiating, based on the settlement transaction data, a transfer of funds from a lender account to one or more retailer accounts corresponding to the one or more retailers. The SFH may update the status of the portion of the stored transactions and create a settlement report for at least one of the one or more retailers based on the updated transactions.

Abstract: Some implementations may include a method, a system, or a device to perform operations including receiving, from a consumer, a request to create a shopping pass to purchase items from a retailer; retrieving account information associated with the consumer; determining an account status including a credit limit associated with the account; generating, based on the account status, a token comprising a unique number having at least sixteen digits and an expiry date, the token usable for a single transaction; generating an identification code comprising at least four digits; sending a first message to the consumer that includes the identification code; and sending a second message to the consumer that includes the token.

Abstract: Financing obtained from a lender may be processed by a retailer in a manner similar to a credit card. For example, transaction data associated with a transaction to acquire one or more items from the retailer may be entered at a point of sale terminal of the retailer. A request may be sent for a temporary shopping pass associated with an account of a consumer at the lender. The temporary shopping pass may be used as a virtual payment instrument to access financing (e.g., a loan, a lease, or a credit) provided by the lender. After receiving the temporary shopping pass, the shopping pass data included in the temporary shopping pass, such as a one-time card number, may be entered into the point of sale terminal. The transaction may be completed by processing the shopping pass data as a credit card type tender using the point of sale terminal.

Abstract: Some implementations may include a settlement facilitation hub (SFH) to receive, from one or more retailers, transaction data comprising one or more retailer transactions. The SFH may store each retailer transaction. Based on a lender identifier of each retailer transaction, the SFH may create, for a clearinghouse associated with one or more lenders, settlement transaction data that includes a portion of the stored transactions. After providing the settlement transaction data to the clearinghouse, the SFH may receive transaction results indicating results of the clearinghouse initiating, based on the settlement transaction data, a transfer of funds from a lender account to one or more retailer accounts corresponding to the one or more retailers. The SFH may update the status of the portion of the stored transactions and create a settlement report for at least one of the one or more retailers based on the updated transactions.

Abstract: Some implementations include a disclosure system to receive a template and values used to fill in fields of the template. The values may include consumer information associated with a consumer. The disclosure system may receive signature data including a signature of the consumer. The disclosure system may create a disclosure that includes the template, the values, and the signature data. The disclosure system may associate a universally unique identifier with the disclosure and create, using a cryptographic hash function, a digital signature that represents the disclosure.

Abstract: A method and apparatus that accounts for utilization of digital applications on an as used basis is accomplished by compensating a publisher for each use of its digital application instead of a lump sum purchase price. This is done by embedding a tariff file within the digital application where a digital application may be a software application, a video file, a text file, and/or an image file. The embedded tariff file, which includes a digital application identification code and a publisher identification code, is used by a meter module to generate accounting information. The accounting message is routed to a collection agency which, in turn, generates debiting information for the user and crediting information for the publishers of the digital application.