Processing financial products

1. A method performed by one or more processors executing instructions to perform acts comprising:

receiving, from a point of sale terminal of a retailer, a first data package corresponding to transaction data associated with a transaction to acquire one or more items from the retailer;

receiving the first data package including a real-time request for a temporary shopping pass from the point of sale terminal at a second computing device via a network, the temporary shopping pass corresponding to transaction data associated with a transaction to acquire one or more items from the retailer, wherein the temporary shopping pass comprises a digital payment instrument corresponding to a type of financing provided by a lender;

selecting, by the second computing device, the lender to offer the financing of the transaction based on credit offer criteria specified by the retailer, including:

receiving a plurality of credit offers from a plurality of lenders;

retrieving a retailer profile including credit offer attribute thresholds specific to the retailer;

comparing the credit offer attribute thresholds to corresponding offer attribute values of each credit offer from the plurality of lenders to determine valid offers;

weighing, by the one or more processors, one or more criteria related to the valid offers based on weighting criteria in the retailer profile;

selecting, by the one or more processors, the lender based on the weighing of a valid offer presented by the lender; and

sending, to the point of sale terminal, a second data package as a real-time credit response including the temporary shopping pass financed by the lender, the second data package including shopping pass data configured to be processed at the point of sale terminal as a credit card type tender to complete the transaction, wherein the temporary shopping pass is configured to be unusable as tender after the transaction is completed.

2. The method as recited in claim 1 , wherein the temporary shopping pass corresponds to a financial instrument provided by the lender that is associated with an account of the consumer.

3. The method as recited in claim 1 , wherein

the request for the temporary shopping pass is based on determining a total amount associated with the transaction; and

the transaction is temporarily suspended based on sending the request for the temporary shopping pass.

4. The method as recited in claim 1 , wherein the shopping pass data comprises at least one of:

a one-time card number comprising at least twelve digits;

an expiry date comprising one or more of a day, a month, or a year;

a shopping pass identifier; and

a security code comprising at least three digits.

5. The method as recited in claim 1 , wherein:

the temporary shopping pass is created by a bank processor associated with a bank; and

the temporary shopping pass includes a one-time card number that is based on an actual account number associated with an account at the bank.

6. The method as recited in claim 1 , wherein the transaction data associated with the transaction to acquire the one or more items from the retailer comprises at least one of:

one or more individual amounts associated with individual items of the one or more items;

a discount amount associated with the transaction;

a sales tax amount of a sales tax associated with the transaction;

a shipping amount associated with shipping costs associated with the transaction; or

a total amount associated with the transaction.

7. The method as recited in claim 1 , wherein completing the transaction by processing the shopping pass data as the credit card type tender comprises:

sending the shopping pass data to a merchant acquirer associated with the retailer, the merchant acquirer to determine a one-time card number included in the shopping pass data, identify a bank that issued the one-time card number, and forward the shopping pass data to a bank processor associated with the bank that issued the one-time card number.

8. A point of sale terminal comprising:

one or more processors;

one or more data storage media to store instructions that are executable by the one or more processors to perform acts comprising:

providing a retailer profile to a second computing device, the retailer profile including credit information specific to a retailer associated with the point of sale terminal, including:

credit offer attribute thresholds defined by the retailer;

weighting criteria for ranking credit offers;

receiving transaction data associated with a transaction to acquire one or more items from the retailer;

sending a request for a temporary shopping pass from the point of sale terminal to the second computing device, wherein

the temporary shopping pass comprises a virtual payment instrument associated with an account of a consumer at a lender, and wherein

the request comprises at least a portion of the transaction data;

receiving the temporary shopping pass, wherein

after determining that a primary lender associated with the retailer has declined to offer financing, the temporary shopping pass is received in response to automatically selecting a lender from one or more secondary lenders to offer financing of the transaction, and

selecting the lender comprises:

determining, by the second computing device, valid credit offers from a plurality of credit offers from a plurality of lenders based on comparing the credit offer attribute thresholds to corresponding offer attribute values of each credit offer, wherein the plurality of lenders comprises the primary lender and the one or more secondary lenders;

weighing, by the second computing device, one or more criteria related to the valid credit offers based on the weighting criteria; and

selecting, by the second computing device, the lender based on the weighing of a valid offer presented by the lender;

determining, from the temporary shopping pass as a credit card tender type, a one-time card number; and

completing the transaction using the temporary shopping pass.

9. The point of sale terminal as recited in claim 8 , wherein, before sending the request for the temporary shopping pass, the instructions are further executable to perform acts comprising:

determining a total amount associated with the transaction; and

temporarily suspending the transaction.

10. The point of sale terminal as recited in claim 8 , wherein the transaction data associated with the transaction to acquire the one or more items from the retailer comprises at least one of:

one or more individual amounts associated with individual items of the one or more items;

a discount amount associated with the transaction;

a sales tax amount of a sales tax associated with the transaction;

a shipping amount associated with shipping costs associated with the transaction; or

a total amount associated with the transaction.

11. The point of sale terminal as recited in claim 8 , further comprising:

determining, from the temporary shopping pass as the credit card tender type, an expiry date and a security code associated with the one-time card number.

12. The point of sale terminal as recited in claim 8 , wherein the temporary shopping pass comprises at least one of a loan, a lease, or a revolving line of credit provided by the lender to the account associated with the consumer.

13. The point of sale terminal as recited in claim 8 , wherein the temporary shopping pass is not usable as tender after completing the transaction.

14. One or more non-transitory computer-readable storage media including instructions that are executable by one or more processors to perform acts comprising:

receiving transaction data, including a request for a temporary shopping pass, associated with a transaction to acquire one or more items from a retailer;

processing the request for the temporary shopping pass from a point of sale terminal of a retailer at a second computing device, the temporary shopping pass corresponding to transaction data associated with a transaction to acquire on or more items from the retailer, wherein the temporary shopping pass comprises a virtual payment instrument;

selecting a lender to finance the temporary shopping pass, by the second computing device, including:

obtaining a retailer profile including credit offer attribute thresholds specific to the retailer;

determining valid offers from a plurality of credit offers presented by a plurality of lenders based on comparing the credit offer attribute thresholds to corresponding offer attribute values of the plurality of credit offers;

weighing one or more criteria related to the valid offers based on weighting criteria in the retailer profile; and

selecting the lender based on the weighing of a valid offer presented by the lender;

sending the temporary shopping pass, including at least a one-time card number and an expiry date, from the secondary computing device to the point of sale terminal for completing the transaction using the temporary shopping pass as a credit card tender type.

15. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein, the instructions are further executable to perform acts comprising:

determining a total amount associated with the transaction; and

temporarily suspending the transaction by saving the transaction data in the one or more non-transitory computer-readable storage media.

16. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein the transaction data comprises at least one of:

one or more individual amounts associated with individual items of the one or more items;

a discount amount associated with the transaction;

a sales tax amount of a sales tax associated with the transaction;

a shipping amount associated with shipping costs associated with the transaction; or

a total amount associated with the transaction.

17. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein the temporary shopping pass is not usable as tender after completing the transaction.

18. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein:

selecting the lender, by the second computing device, further comprises:

assigning an attribute score to each of a plurality of attribute values of a credit offer based on table driven score bands;

applying the weighting criteria to the attribute scores to obtain weighted attribute scores;

determining an offer score for the credit offer based on a sum total of the weighted attribute scores; and

selecting the lender based on a highest offer score.

19. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein completing the transaction using the shopping pass data comprises:

sending the one-time card number and the expiry date to a merchant acquirer associated with the retailer, the merchant acquirer to forward the shopping pass data to a bank processor associated with a bank that issued the one-time card number.

20. The one of more non-transitory computer-readable storage media as recited in claim 14 , wherein:

the temporary shopping pass is created by a bank processor associated with a bank;

the one-time card number is based on an actual account number associated with an account at the bank;

a lender liaison performs acts comprising:

receiving the request for the temporary shopping pass;

determining whether the lender pre-authorizes the transaction;

in response to determining that the lender has pre-authorized the transaction, sending a request to a bank for the one-time card number;

in response to receiving the one-time card number from the bank, creating the temporary shopping pass; and

sending the temporary shopping pass to a point of sale terminal associated with the retailer.