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COMPUTER-IMPLEMENTED SYSTEMS CONFIGURED FOR PROVIDING REAL-TIME CREDIT OFFERS AND CREDIT NEGOTIATION FOR SPECIFIED TRANSACTIONS AND METHODS OF USE THEREOF

Abstract:

In some embodiments, the present disclosure provides an exemplary technically improved method for providing real-time alerts about an app user's location and the possibility that a user may be contemplating a credit offer from a merchant for a specific credit transaction with the merchant; alerting the user of the entity's willingness to extend credit for the specific credit transaction(s) with a merchant; negotiating with the user in real-time about the credit terms that the entity may be able to provide in comparison to offers received from existing merchants; and if approved, providing the user with the same or better credit terms than those offered by the merchant for that particular transaction(s); and avoiding any negative impact to the user's credit scores from a hard inquiry by either the merchant or the entity of the user's credit history with a credit bureau.