Real-time marketing of credit-based goods or services

• US 20060080233A1
• Filed: 09/01/2005
• Published: 04/13/2006
• Est. Priority Date: 09/01/2004
• Status: Active Grant

• Current Assignee: CPL Assets LLC
• Original Assignee: Metareward, Inc. (Experian plc)
• Inventors: Mendelovich, Michael S., Rodenbusch, Richard, Orecchia, JB G.
• Granted Patent: US 7,970,672 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Systems and methods are described that determine which offers for credit-based transactions (if any) to market to a person. Each offer is associated with a set of third party demographic information criteria, a set of lender demographic information criteria, and a set of lender credit data criteria. The set of third party demographic information criteria is applied to a set of offers to determine a first subset of offers. The set of lender demographic information criteria is applied to the first subset of offers to determine a second subset of offers. The set of lender credit data criteria is applied to the second subset of offers to determine a third subset of offers.

Claims

1. A computer-implemented method for processing a set of offers for credit-based transactions, each offer associated with a set of third party demographic information criteria and with a set of lender demographic information criteria and with a set of lender credit data criteria, the method comprising:

applying the set of third party demographic information criteria to the set of offers to determine a first subset of offers;

applying the set of lender demographic information criteria to the first subset of offers to determine a second subset of offers; and

applying the set of lender credit data criteria to the second subset of offers to determine a third subset of offers.