Instant financial credit system

A system for providing instant credit processing, the system comprising:

• an instant credit web application in communication with one or more instant credit request input channels, wherein the input channels are associated with a credit partner;
• an enterprise gateway in communication with the instant credit web application;
• and
• a credit-issuing entity in communication with the enterprise gateway,
• wherein the instant credit web application is configured to receive credit requests from the input channels, communicate the credit requests to the credit-issuing entity via the enterprise gateway, receive credit decisions from the credit-issuing entity via the enterprise gateway and communicate the credit decision to a respective input channel,
• wherein the enterprise gateway is configured to provide an interface between the instant credit web application and the credit-issuing entity, and
• wherein the credit-issuing entity is configured to provide a plurality of interfacing services related to an instant credit request, including communicating a decision for the instant customer credit request.

A system for providing instant credit processing, the system comprising:

• a protocol adapter in communication with one or more instant credit request first input channels, wherein the first input channels are associated with a credit partner;
• an instant credit web application in communication with one or more instant credit request second input channels, wherein the second input channels are associated with the credit partner;
• an enterprise gateway in communication with the protocol adapter and the instant credit web application;
• and
• a credit-issuing entity in communication with the enterprise gateway,
• wherein the protocol adapter includes a message transformation routine configured to transform credit request messages and credit decision messages communicated from and to the first input channels to provide for upstream and downstream communication within the instant credit decisioning system,
• wherein the instant credit web application is configured to receive instant credit requests from the second input channels, communicate the credit requests to the credit-issuing entity via the enterprise gateway, receive credit decisions from the credit-issuing entity via the enterprise gateway and communicate the credit decision to a respective input channel,
• wherein the enterprise gateway is configured to provide an interface between the protocol adapter, the instant credit web application and the credit-issuing entity, and
• wherein the credit-issuing entity is configured to provide a plurality of interfacing services related to an instant credit request, including communicating a decision for the instant customer credit request.

A protocol adapter apparatus configured to process instant credit requests, the apparatus comprising:

• a first transceiver configured to receive instant credit request messages from one or more point-of-sale (POS) devices and transmit instant credit decision messages;
• a protocol transformer configured to transform one or more of the instant credit requests messages from a POS device format to a predetermined instant credit format and transform corresponding instant credit decision messages from the predetermined instant credit format to the POS device format;
• and
• a second transceiver configured to transmit transformed instant credit request messages to a credit-issuing entity and receive instant credit decision messages in the predetermined format from the credit-issuing entity.

A computer program product comprising:

• a computer-readable medium comprising:
• a first set of codes for causing a computer to receive first instant credit request messages from Point-Of-Sale (POS) devices;
• a second set of codes for causing a computer to transform the first instant credit request messages from a POS device type-specific format to a predetermined network-compatible format;
• and
• a third set of codes for causing a computer to transmit the transformed first instant credit request messages to a credit-issuing entity.