Lightweight Checkout Credit Module for Real-Time B2B Underwriting

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Solution Overview

Problem

Current B2B lending platforms require lengthy form-filling processes, expose merchants to usury law risks, lack flexibility in loan terms, and fail to provide efficient access to credit, leading to low conversion rates and increased operational costs for SMBs.

Innovation Solution

A lightweight module integrated into e-commerce platforms offers real-time underwriting through proprietary scoring, allowing instant approval and flexible payment options, utilizing ERP data and biometric authentication, and eliminating the need for personal information, while ensuring compliance with usury laws.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If traditional B2B lending platforms require lengthy form-filling processes with dozens of form fields, then they can collect comprehensive customer information for underwriting, but this increases processing time and reduces conversion rates

Engineering Contradiction:

Improveunderwriting accuracyVSAvoidprocessing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary data collection and analysis by integrating with ERP systems to automatically gather business financial data, tax information, and operational metrics before the customer even applies. This pre-positioning of information eliminates the need for lengthy manual form-filling while maintaining comprehensive underwriting capabilities.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent extracts only the essential underwriting data points needed for credit decisions from the comprehensive set of possible data fields. By identifying and collecting only the critical few pieces of information required for accurate underwriting rather than all possible data, the system reduces processing time while maintaining underwriting quality.

Inventive Principle:

Principle #2Taking out (Extraction)

2Reliability

If current platforms require sensitive personal information such as SSN, driver's license number, and bank account login credentials, then they can perform thorough identity verification, but this increases privacy risks and security concerns

Engineering Contradiction:

Improveidentity verification accuracyVSAvoidprivacy and security risks

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The system introduces an intermediary layer of business-level verification that mediates between the need for identity confirmation and privacy protection. Instead of directly collecting sensitive personal identifiers, the system uses ERP-integrated business data (tax IDs, business registration information, operational metrics) as an intermediate verification mechanism that confirms identity without exposing sensitive personal data.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent employs temporary, single-use verification tokens and one-time codes that replace permanent sensitive identifiers. These disposable verification elements provide the necessary security and identity confirmation without creating long-term storage of sensitive personal information, thereby reducing privacy risks.

Inventive Principle:

Principle #27Cheap short-living objects (Disposable)

3Measurement precision

If traditional lending platforms require trade reference checks and evidence of financial strain, then they can assess customer creditworthiness, but this slows down transactions and increases operational complexity

Engineering Contradiction:

Improvecreditworthiness assessment accuracyVSAvoidoperational complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The system merges multiple separate verification processes (trade reference checks, financial strain assessment, creditworthiness evaluation) into a single integrated ERP data extraction process. By combining these previously separate functions into one unified data collection and analysis workflow, the system maintains comprehensive credit assessment while reducing operational complexity and transaction time.

Inventive Principle:

Principle #5Merging (Combining)

4Ease of operation

If current platforms have limited lending flexibility and do not offer overall line of credit options, then they can simplify the lending process, but this reduces product flexibility and customer satisfaction

Engineering Contradiction:

Improvelending process simplicityVSAvoidloan term flexibility

Core Design Contradiction:

Ease of operationVSAdaptability or versatility

Solution Approach 1:

The system implements dynamic lending parameters that automatically adjust based on real-time ERP data analysis. Instead of fixed, pre-determined loan terms, the platform dynamically calculates credit limits, interest rates, and repayment schedules based on the customer's current business performance, financial health, and transaction history. This enables flexible line of credit options while maintaining operational simplicity through automation.

Inventive Principle:

Principle #15Dynamics

Data Source

PatentUS20250292322A1Business to business credit facility provisioning and processing system and method with automatic lightweight module as a payment option at checkout

Publication Date: 2025.09.18 TOMICH JOHN

AI summary

Technologies are described herein for providing an internet-connected computer system for improved business-to-business lending experience. Through the use of a simplified underwriting architecture, and a minimalistic user interface, the system improves the quality of the lending experience while reducing merchant risk and allowing product flexibility. The system further described a secure environment, providing additional advantages over traditional methods of business-to-business underwriting.