Systems and methods for providing transferable item prices

An apparatus for facilitating a transaction, comprising:

• a processor;
• and
• a storage device in communication with the processor and storing instructions adapted to be executed by the processor to:
• identify an electronic transaction signal indicative of a transaction between a first consumer and a first merchant;
• associate, in a memory of a computing device and based on the transaction, a transferable item price between the first consumer and the first merchant;
• determine that a second consumer is entitled to purchase an item from a second merchant in exchange for payment of an amount based on the transferable item price;
• and
• notifying the second merchant, in association with a transaction between the second consumer and the second merchant, that the second consumer is entitled to purchase the item from the second merchant in exchange for payment of the amount based on the transferable item price.

A method of facilitating a transaction, comprising:

• associating, by a processing device, a transferable item term with a first consumer;
• determining, by the processing device, that the first consumer is entitled to transfer the transferrable item term to a second consumer specified by the first consumer, wherein the transferrable item term comprises one or more of:
• (i) a financing term;
• (ii) a warranty term;
• and (iii) a delivery term:
• and
• determining that the second consumer is entitled to purchase an item in exchange for payment of an amount, in which determining that the second consumer is entitled to purchase the item in exchange for payment of the amount is based on a restriction associated with the transferable item term.

An apparatus for facilitating a transaction, comprising:

• a processor;
• and
• a storage device in communication with the processor and storing instructions adapted to be executed by the processor to:
• associate a transferable item term with a first consumer;
• determine that the first consumer is entitled to transfer the transferable item term to a second consumer specified by the first consumer, wherein the transferable item term comprises one or more of:
• (i) a financing term;
• (ii) a warranty term;
• and (iii) a delivery term:
• and
• determine that the second consumer is entitled to purchase an item in exchange for payment of an amount, in which determining that the second consumer is entitled to purchase the item in exchange for payment of the amount is based on a restriction associated with the transferable item term.

A non-transitory computer-readable medium storing instructions that when executed by a processing device result in:

• determining a transaction between a first consumer and a first merchant;
• associating, based on the transaction, a transferable item price between the first consumer and the first merchant;
• determining that a second consumer is entitled to purchase an item from a second merchant in exchange for payment of an amount based on the transferable item price;
• and
• facilitating a sale of the item from the second merchant to the second consumer.

A non-transitory computer-readable medium storing instructions that when executed by a processing device result in:

• associating a transferable item term with a first consumer,
• determining that the first consumer is entitled to transfer the transferable item term to a second consumer specified by the first consumer, wherein the transferable item term comprises one or more of:
• (i) a financing term;
• (ii) a warranty term;
• and (iii) a delivery term;
• and
• determining that the second consumer is entitled to purchase an item in exchange for payment of an amount, in which determining that the second consumer is entitled to purchase the item in exchange for payment of the amount is based on a restriction associated with the transferable item term.