Implementing a counter offer for an on line credit card application
First Claim
Patent Images
1. A method of offering credit to an applicant over a network comprising:
- determining a plurality of offers using information about the applicant;
displaying a displayed offer and withholding a withheld offer;
receiving an indication over the network that the displayed offer is unacceptable; and
displaying the withheld offer.
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Accused Products
Abstract
A system and method are disclosed for offering credit to an applicant. A plurality of offers are determined using information about the applicant. A displayed offer is displayed and a withheld offer is withheld. An indication that the displayed offer is unacceptable is received and the withheld offer is displayed.
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Citations
19 Claims
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1. A method of offering credit to an applicant over a network comprising:
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determining a plurality of offers using information about the applicant;
displaying a displayed offer and withholding a withheld offer;
receiving an indication over the network that the displayed offer is unacceptable; and
displaying the withheld offer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of offering credit to an applicant over a network comprising:
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determining an offer using information about the applicant;
displaying the offer to the applicant;
receiving an indication over the network that the displayed offer is unacceptable;
determining an attribute of the offer that is unacceptable;
in the event that the unacceptable attribute is the amount of the credit limit;
recalculating the credit limit for the applicant. - View Dependent Claims (14, 15, 16, 17, 18)
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19. An application server for providing a counter offer of credit including:
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an applicant interface configured to receive applicant data from an applicant browser and to communicate an offer of credit to the applicant and the counter offer of credit to the applicant;
a processor configured to determine the offer of credit based on the applicant data and the counter offer of credit based on an unacceptable attribute of the first offer of credit; and
an agent interface configured to receive the unacceptable attribute from an agent.
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Specification