Browser Extension Payment Constraints for Secure Multiparty Disbursement

The patent replaces manual mechanical reconciliation processes with an automated electronic system. The browser extension automatically captures transaction data, generates virtual payment cards, and coordinates between retailer, consumer, and lease-to-own company systems through API communications, eliminating the need for manual verification while maintaining security through automated constraint checking and eligibility validation

The patent introduces a browser extension as an intermediary component that mediates between the consumer, retailer website, and lease-to-own company systems. This extension automatically captures shopping cart information, validates eligibility constraints, generates virtual payment cards, and coordinates fund disbursement, thereby automating the reconciliation process while maintaining transaction security through multiple validation layers

The patent creates a universal browser extension that can be deployed across multiple retailers and works with various lease-to-own companies through standardized API interfaces. The extension handles multiple functions including eligibility validation, virtual card generation, transaction coordination, and compliance checking within a single integrated system, making scalable financing accessible without proportionally increasing complexity

The patent uses parameter-based constraint validation where eligibility criteria are defined as configurable parameters (credit thresholds, transaction amount limits, product category restrictions). The system dynamically adjusts and validates these parameters during the checkout process, allowing scalable deployment across different retailers and lease-to-own companies without hardcoding complex business logic