Online marketplace with seller financing

An online marketplace server comprising:

• a processor;
• and
• memory storing instructions that, when executed by the processor, cause the online marketplace server to:
• generate a trust profile for a user;
• receive, from an external computing system, a request to create a transaction offering including proposed transaction terms, the proposed transaction terms including prices and at least two payments over a period of time;
• receive, from the user, an offer for the transaction offering;
• provide the offer to an operator of the external computing system via an offer message having a link;
• transmit the trust profile for the user to the operator of the external computing system responsive to the operator of the external computing system following the link in the offer message, wherein the trust profile is transmitted separately from the offer message;
• and
• in response to receiving, from the operator of the external computing system or from the external computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering.

A system for facilitating seller-financed transactions, the system comprising:

• an online marketplace server;
• an external computing system;
• and
• a user computing device;
• wherein the online marketplace server is configured to:
• from the external computing system, receive, at an endpoint of an interface of the online marketplace server, a creation of a transaction offering that includes at least two proposed payments over a period of time;
• from the user computing device, receive an offer for the transaction offering;
• provide the offer to the external computing system via an offer message having a link;
• transmit a trust profile for a user of the user computing device to the external computing system responsive to a selection of the link in the offer message, wherein the trust profile is transmitted separately from the offer message;
• and
• in response to receiving, from the external computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering.

A method of facilitating seller-financed transactions, the method comprising:

• generating a trust profile for a user;
• receiving, from an external computing system, a request to create a transaction offering including proposed transaction terms, the proposed transaction terms including prices and at least two payments over a period of time;
• receiving, from the user, an offer for the transaction offering;
• providing the offer to an operator of the external computing system via an offer message having a link;
• transmitting the trust profile for the user to the operator of the external computing system responsive to the operator of the external computing system following the link in the offer message, wherein the trust profile is transmitted separately from the offer message;
• and
• in response to receiving, from the operator of the external computing system or from the computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering.