Real-time prescreening for credit offers
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United States of America Patent
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Jun 24, 2014
Grant Date -
N/A
app pub date -
Sep 21, 2007
filing date -
Sep 21, 2007
priority date (Note) -
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Abstract
Systems and methods for completing a real-time prescreen of the credit-worthiness of a current or prospective customer when the customer phones, engages in text-based online communication with, meets in person with, or in some way has contact with a customer service representative of a financial services institution, are provided, as are systems and methods for providing in real time to the customer, if the customer is determined through a real-time prescreen to be sufficiently credit worthy, an unsolicited credit card offer, or an unsolicited offer of another form of credit, from the financial services institution. Systems and methods for completing a real-time prescreen of the credit-worthiness of a current or prospective customer, or providing an unsolicited credit offer in real time to such a customer, are also provided when the customer's contact with a financial services institution is largely text-based online contact wherein a customer service representative need not act as an intermediary in customer communications with the financial services institution.
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