SYSTEMS AND METHODS FOR PROVIDING CONSUMERS ANONYMOUS PRE-APPROVED OFFERS FROM A CONSUMER-SELECTED GROUP OR MERCHANTS
First Claim
1. A computer-implemented method of providing one or more pre-approved offers to a consumer based on credit-related information of the consumer, comprising:
- creating an account associated with the consumer;
transmitting to a credit bureau an inquiry for credit history data relating to the consumer;
receiving credit history data on the consumer in response to the inquiry;
receiving at least one selection of a type of pre-approved offer the consumer desires to receive; and
selecting a pre-approved offer from a plurality of offers from multiple merchants based at least partially on the credit history data of the consumer and the selection of the at least one type of pre-approved offer the consumer desires to receive.
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Accused Products
Abstract
The system and method of the present invention provides consumers with credit information including information which can help the consumer evaluate the consumer'"'"'s credit report or credit worthiness. The present invention can also provide consumers with suggestions to help consumers better their credit rating. The system and method of the present invention also provide consumers with pre-approved credit offers from a consumer-selected group of merchants, where the consumers are anonymous to the merchants, and the merchants do not receive copies of the consumer'"'"'s credit report. Additional functions of the present invention include allowing users to opt-out or opt-into solicitation lists, and enabling users to automatically monitor their credit report. The present invention offers these services through a third party agent of the consumer which can be accessible to the consumer via the Internet. Through this agency relationship, the third party can request consumer information and determine pre-approved offers from a plurality of merchants while protecting the confidentiality of consumer credit information without negative consequences on a consumer'"'"'s credit.
214 Citations
19 Claims
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1. A computer-implemented method of providing one or more pre-approved offers to a consumer based on credit-related information of the consumer, comprising:
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creating an account associated with the consumer;
transmitting to a credit bureau an inquiry for credit history data relating to the consumer;
receiving credit history data on the consumer in response to the inquiry;
receiving at least one selection of a type of pre-approved offer the consumer desires to receive; and
selecting a pre-approved offer from a plurality of offers from multiple merchants based at least partially on the credit history data of the consumer and the selection of the at least one type of pre-approved offer the consumer desires to receive. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented method for presenting pre-approved offers to a consumer, comprising:
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receiving consumer data records from a plurality of databases;
receiving at least one selection of a type of pre-approved offer a consumer desires to receive;
selecting for the consumer at least one pre-approved offer based on at least one consumer data record associated with the consumer and the selection of the at least one type of pre-approved offer the consumer desires to receive, wherein the pre-approved offer is from at least one merchant; and
sending a web-based representation of the pre-approved offer to the consumer. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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Specification