Credit Key Secures Two Patents, Advancing Leadership in B2B Lending Innovation

Patented Technology Enhances Speed, Security, and Flexibility for Business Transactions

Los Angeles, CA — March 17th, 2025 — Credit Key, a leader in B2B financial technology, is proud to announce the issuance of two new patents that reinforce its position as an innovator in digital lending solutions. These patents protect Credit Key’s proprietary systems for B2B credit facility provisioning and processing, ensuring its unique technology remains unmatched in the financial technology space.

The newly patented technology enables Credit Key to deliver a seamless, secure, and flexible lending experience. By enabling real-time credit approvals within 5 seconds and offering repayment terms from Net 30 up to 12 months, Credit Key’s solution enhances the purchasing experience for B2B customers and drives higher conversion rates for merchants.

Transforming the Digital Lending Experience

Credit Key’s technology addresses the evolving needs of businesses by providing a faster, more efficient credit approval process. Unlike traditional methods that require extensive personal details and lengthy trade reference checks, Credit Key’s system minimizes the need for sensitive personal data and leveraging proprietary scoring algorithms.

“Our mission is to redefine how businesses access credit,” said John Tomich, CEO of Credit Key. “We’re setting a new standard in the industry by delivering a user-centric lending experience that combines speed, security, and unprecedented payment flexibility.”

Key Features and Benefits

The patented technology delivers a host of advantages, including:

• Real-Time Underwriting and Approval: Credit Key’s proprietary scoring method allows for quick credit decisions, enabling businesses to complete purchases seamlessly at checkout.
• Advanced Biometric Verification: The patents protect state-of-the-art biometric identification methods, including fingerprinting, face recognition, and voice authentication to ensure secure transactions while preventing unauthorized access.
• Enhanced Security and Compliance: The system ensures full compliance with financial regulations by partnering with chartered banks for underwriting, protecting merchants from potential legal risks.
• QR Code Payment Functionality: Expanding usability beyond online transactions, Credit Key’s technology allows customers to use their line of credit in physical stores by simply scanning a QR code, delivering a seamless omnichannel payment experience.
• Seamless Integration for Merchants: Designed for easy integration with leading eCommerce platforms, Credit Key’s solution enhances the online shopping experience, reducing cart abandonment and driving revenue growth.

A Competitive Edge in Financial Technology

The issuance of these patents not only protects Credit Key’s intellectual property but also solidifies its competitive edge in the financial technology industry. By safeguarding its unique technology, Credit Key continues to lead the way in delivering innovative solutions that empower merchants and borrowers alike.

“These patents are a strategic milestone for Credit Key, underscoring our leadership in financial technology and our vision to redefine B2B payments,” added Tomich. “We’re committed to continuous innovation that empowers businesses with smarter, faster, and more secure financial solutions.”

About Credit Key

Credit Key is a leading financial technology company specializing in B2B payment solutions that empower businesses with flexible financing at the point of purchase. By offering real-time credit approvals and customizable repayment options, Credit Key enables merchants to enhance the customer experience while driving growth and operational efficiency.