Lending offers in an electronic commerce marketplace

Abstract

A system and/or method may be provided for providing a financing offer to the user based on a user's browsing session. An example method includes monitoring a browsing session of a user. The method also includes detecting, based on monitoring the browsing session, an action indicating that the user will purchase a product from a merchant during the browsing session. The method further includes providing, based on the action, the user with a user selectable option to accept a financing offer for the purchase of the product. The financing offer is associated with a lender and specifies a set of offer terms. The method also includes in response to a determination that the user has accepted the financing offer, debiting a lender account associated with the lender, crediting a merchant account associated with the merchant, and establishing an agreement of the financing offer between the user and lender.

What is claimed is: 
     
         1 . A system for providing a financing offer based on a user's browsing session, comprising:
 a non-transitory memory storing information about a lender account associated with a lender that includes one or more financing offers to one or more users; and   one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
 monitor, through a network at a client device, a browsing session of a user; 
 detect, based on monitoring the browsing session, an action indicating that the user will purchase a product from a merchant during the browsing session; 
 provide, through the network to the client device based on the action, the user with a user selectable option to accept a financing offer for the purchase of the product, wherein the financing offer is associated with the lender and specifies a set of offer terms; and 
 in response to a determination that the user has accepted the financing offer:
 debit the lender account; 
 credit a merchant account, wherein the merchant account is associated with the merchant; and 
 establish an agreement of the financing offer between the user and lender. 
 
   
     
     
         2 . The system of  claim 1 , wherein the browsing session includes a plurality of websites. 
     
     
         3 . The system of  claim 2 , wherein a browser plug-in monitors the browsing session, detects the action, and provides the user with the user selectable option to accept the financing offer. 
     
     
         4 . The system of  claim 1 , wherein an electronic commerce server monitors the browsing session, detects the action, and provides the user with the user selectable option to accept the financing offer. 
     
     
         5 . The system of  claim 1 , wherein the operations further comprise:
 receive, through the network from a lender device of the lender, a request to provide one or more financing offers specific to one or more products of a first type; and   determine whether the product from the merchant is of the first type, wherein the user selectable option to accept the financing offer is provided to the user in response to a determination that the product is of the first type.   
     
     
         6 . The system of  claim 1 , wherein the operations further comprise:
 receive, from the lender, a request to include one or more offer terms in the set of offer terms.   
     
     
         7 . The system of  claim 1 , wherein the operations further comprise:
 receive, through the network from a lender device of the lender, one or more buyer eligibility criteria to apply to one or more users; and   determine whether the user satisfies the one or more buyer eligibility criteria, wherein the user selectable option to accept the financing offer is provided to the user in response to a determination that the user satisfies the one or more buyer eligibility criteria.   
     
     
         8 . The system of  claim 7 , wherein the buyer eligibility criteria includes at least one of a repayment history of the user, a purchase volume of the user, and transaction feedback of the user. 
     
     
         9 . The system of  claim 1 , wherein the operations further comprise:
 receive, through the network from a lender device of the lender, one or more merchant eligibility criteria to apply to one or more merchants; and   determine whether the merchant satisfies the one or more merchant eligibility criteria, wherein the user selectable option to accept the financing offer is provided to the user in response to a determination that the user satisfies the one or more merchant eligibility criteria.   
     
     
         10 . The system of  claim 9 , wherein the merchant eligibility criteria includes at least one of a transaction feedback of a merchant and a timeframe in which the merchant has sold the product. 
     
     
         11 . The system of  claim 1 , wherein the operations further comprise:
 monitor whether one or more offer terms of the set of offer terms has been repudiated, wherein the financing offer includes a penalty clause for repudiation of an offer term of the set of offer terms; and   in response to a determination that the offer term has not been repudiated, enforce the penalty clause.   
     
     
         12 . The system of  claim 1 , wherein the lender is a consumer of one or more merchant websites. 
     
     
         13 . The system of  claim 1 , wherein the lender is different from the merchant. 
     
     
         14 . A method of providing a financing offer based on a user's browsing session, comprising:
 monitoring, through a network at a client device, a browsing session of a user;   detecting, based on monitoring the browsing session, an action indicating that the user will purchase a product from a merchant during the browsing session;   providing, through the network to the client device based on the action, the user with a user selectable option to accept a financing offer for the purchase of the product, wherein the financing offer is associated with a lender and specifies a set of offer terms; and   in response to a determination that the user has accepted the financing offer:
 debiting a lender account associated with the lender; 
 crediting a merchant account associated with the merchant; and 
 establishing an agreement of the financing offer between the user and lender. 
   
     
     
         15 . The method of  claim 14 , wherein monitoring the browsing session includes monitoring the user browsing a plurality of websites. 
     
     
         16 . The method of  claim 14 , further comprising:
 receiving, through the network from a lender device of the lender, a request to provide one or more financing offers specific to one or more products of a first type; and   determining whether the product from the merchant is of the first type, wherein providing the user selectable option includes in response to a determination that the product is of the first type, providing the user with the user selectable option to accept the financing offer for the purchase of the product.   
     
     
         17 . The method of  claim 14 , further comprising:
 receiving, through the network from a lender device of the lender, one or more buyer eligibility criteria to apply to one or more users; and   determining whether the user satisfies the one or more buyer eligibility criteria, wherein providing the user selectable option includes in response to a determination that the user satisfies the one or more buyer eligibility criteria, providing the user with the user selectable option to accept the financing offer for the purchase of the product.   
     
     
         18 . The method of  claim 14 , further comprising:
 receiving, through the network from a lender device of the lender, one or more merchant eligibility criteria to apply to one or more merchants; and   determining whether the merchant satisfies the one or more merchant eligibility criteria, wherein providing the user selectable option includes in response to a determination that the merchant satisfies the one or more merchant eligibility criteria, providing the user with the user selectable option to accept the financing offer for the purchase of the product.   
     
     
         19 . The method of  claim 14 , further comprising:
 monitoring whether one or more offer terms of the set of offer terms has been repudiated, wherein the financing offer includes a penalty clause for repudiation of an offer term of the set of offer terms; and   in response to a determination that the offer term has not been repudiated, enforcing the penalty clause.   
     
     
         20 . A non-transitory machine-readable medium having stored thereon a plurality of machine-readable instructions executable to cause a machine to perform operations comprising:
 monitoring, through a network at a client device, a browsing session of a user;   detecting, based on monitoring the browsing session, an action indicating that the user will purchase a product from a merchant during the browsing session;   providing, through the network to the client device based on the action, the user with a user selectable option to accept a financing offer for the purchase of the product, wherein the financing offer is associated with a lender and specifies a set of offer terms; and   in response to a determination that the user has accepted the financing offer:
 debiting a lender account associated with the lender; 
 crediting a merchant account associated with the merchant; and 
 establishing an agreement of the financing offer between the user and lender.