Tools for purchasing transactions

Abstract

Financing tools can provide a flexible credit services to customer. A credit service provider can collect personal data from clients that can include a mobile telephone number and a legal name of the client as well as purchase information from a merchant. Based upon the collected data, the system can determine a client credit risk. The system can make a credit decision to offer a client credit to purchase goods or services based upon the credit risk.

1 - 20 . (canceled) 
     
     
         21 . A method for conducting a transaction between a customer and a merchant by a financial provider, the method comprising:
 receiving, from a customer device, an indication of a request for financing to conduct the transaction;   collecting customer data from the customer responsive to the indication of the request;   collecting merchant data from the merchant responsive to the indication of the request;   collecting financial provider data from the financial provider responsive to the indication of the request;   performing a credit decision based on the customer data, the merchant data and the financial provider data; and   responsive to approval of the request, generating a value card to support conducting the transaction and providing information associated with the value card to a merchant website to facilitate completion of a checkout process to complete the transaction.   
     
     
         22 . The method of  claim 21 , wherein the collecting customer data is performed in response to generating instructions for display of financial terms and repayment information associated with a financial instrument associated with the value card and receiving acceptance of the financial terms from the customer device. 
     
     
         23 . The method of  claim 21 , wherein the collecting customer data is performed prior to generating instructions for display of financial terms and repayment information associated with a financial instrument associated with the value card and receiving acceptance of the financial terms from the customer device. 
     
     
         24 . The method of  claim 21 , wherein the generating the value card comprises generating a prepaid debit card number with expiration date and card verification value (CVV) for provision to the merchant website. 
     
     
         25 . The method of  claim 24 , wherein the prepaid debit card number is issued for an exact amount of the transaction. 
     
     
         26 . The method of  claim 24 , wherein the prepaid debit card number includes an expiry period of minutes or hours. 
     
     
         27 . The method of  claim 24 , wherein the prepaid debit card number includes an expiry period of days or weeks. 
     
     
         28 . The method of  claim 24 , wherein the prepaid debit card number is stored at a database of the merchant for future use within a predetermined period of time. 
     
     
         29 . The method of  claim 24 , wherein the indication of the request is received via a website of the merchant and initiates a javascript code to call a script hosted by the financial provider to execute a checkout system via instructions for collecting the merchant data and detailed information regarding the transaction. 
     
     
         30 . The method of  claim 21 , wherein the value card is a virtual debit card. 
     
     
         31 . A server for conducting a transaction between a customer and a merchant by a financial provider, the server comprising processing circuitry configured to:
 receive, from a customer device, an indication of a request for financing to conduct the transaction;   collect customer data from the customer responsive to the indication of the request;   collect merchant data from the merchant responsive to the indication of the request;   collect financial provider data from the financial provider responsive to the indication of the request;   perform a credit decision based on the customer data, the merchant data and the financial provider data; and   responsive to approval of the request, generate a value card to support conducting the transaction and provide information associated with the value card to a merchant website to facilitate completion of a checkout process to complete the transaction.   
     
     
         32 . The server of  claim 31 , wherein the collecting customer data is performed in response to generating instructions for display of financial terms and repayment information associated with a financial instrument associated with the value card and receiving acceptance of the financial terms from the customer device. 
     
     
         33 . The server of  claim 31 , wherein the collecting customer data is performed prior to generating instructions for display of financial terms and repayment information associated with a financial instrument associated with the value card and receiving acceptance of the financial terms from the customer device. 
     
     
         34 . The server of  claim 31 , wherein the generating the value card comprises generating a prepaid debit card number with expiration date and card verification value (CVV) for provision to the merchant website. 
     
     
         35 . The server of  claim 34 , wherein the prepaid debit card number is issued for an exact amount of the transaction. 
     
     
         36 . The server of  claim 34 , wherein the prepaid debit card number includes an expiry period of minutes or hours. 
     
     
         37 . The server of  claim 34 , wherein the prepaid debit card number includes an expiry period of days or weeks. 
     
     
         38 . The server of  claim 34 , wherein the prepaid debit card number is stored at a database of the merchant for future use within a predetermined period of time. 
     
     
         39 . The server of  claim 34 , wherein the indication of the request is received via a website of the merchant and initiates a javascript code to call a script hosted by the financial provider to execute a checkout system via instructions for collecting the merchant data and detailed information regarding the transaction. 
     
     
         40 . The server of  claim 31 , wherein the value card is a virtual debit card.