CPC G06Q 20/24 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/36 (2013.01); G06Q 20/409 (2013.01); G06Q 20/4014 (2013.01)] | 20 Claims |
1. A system comprising:
at least one memory storing instructions and a repository storing a set of user accounts associated with a plurality of users, wherein each of the plurality of users is associated with a user profile, wherein each user profile is associated with a merchant-specific identifier identifying the user profile at a merchant;
at least one hardware processor interoperably coupled with the at least one memory, wherein execution of the instructions by the at least one hardware processor causes performance of operations comprising:
receiving, at a merchant application and during a current transaction being conducted by a particular user at the merchant application via a client application, a request to perform a credit application process associated with the particular user;
in response to receiving the request, generating a first redirection instruction comprising the merchant-specific identifier of the particular user and the request to perform the credit application process;
redirecting, based on the first redirection instruction, the client application to a credit application site associated with a particular institution that performs the credit application process;
receiving (1) a second redirection instruction from the credit application site, wherein the second redirection instruction instructs re-launch of the merchant application via the client application, and (2) a second signal including an approval associated with the credit application process, a payment credential associated with a new credit account created at the particular institution in response to the approval of the credit application process, and the merchant-specific identifier of the particular user; and
processing, at the merchant application, the current transaction using the received payment credential as a form of payment for the current transaction.
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