Web-based searching for payment card products with credit pre-approvals
First Claim
1. A method comprising:
- receiving input at a website from a user to indicate at least one preference of the user in regard to a payment card product that the user wishes to acquire;
selecting at least one payment card product from a plurality of payment card products, said selected at least one payment card product being selected based at least in part on the at least one indicated preference of the user;
requesting a pre-approval credit evaluation of the user with respect to the selected at least one payment card product;
receiving a result of the pre-approval credit evaluation; and
downloading a display page to the user to indicate the selected at least one payment card product and to indicate that the user has been pre-approved for the selected at least one payment card product.
1 Assignment
0 Petitions
Accused Products
Abstract
A method includes receiving input at a website from a user to indicate at least one preference of the user in regard to a payment card product that the user wishes to acquire. The method further includes selecting at least one payment card product from a plurality of payment card products. The payment card in question is selected based at least in part on the preference indicated by the user. The method also includes requesting a pre-approval credit evaluation of the user and receiving a result of the pre-approval credit evaluation. In addition, the method includes downloading a display page to the user to indicate the selected payment card product and to indicate that the user has been pre-approved for the payment card product.
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Citations
29 Claims
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1. A method comprising:
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receiving input at a website from a user to indicate at least one preference of the user in regard to a payment card product that the user wishes to acquire; selecting at least one payment card product from a plurality of payment card products, said selected at least one payment card product being selected based at least in part on the at least one indicated preference of the user; requesting a pre-approval credit evaluation of the user with respect to the selected at least one payment card product; receiving a result of the pre-approval credit evaluation; and downloading a display page to the user to indicate the selected at least one payment card product and to indicate that the user has been pre-approved for the selected at least one payment card product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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receiving a request from a user to search for payment card products; requesting the user to indicate at least one preference of the user concerning the payment card products; requesting the user to indicate whether the user wishes to be considered for pre-approval for at least one of the payment card products; requesting the user to enter information that identifies the user; receiving input from the user to (a) indicate said at least one preference, (b) indicate that the user wishes to be considered for pre-approval for at least one of the payment card products, and (c) identify the user; searching a database of said payment card products to identify a plurality of said payment card products that match the user'"'"'s at least one preference; determining one of said identified plurality of payment card products that is enabled for pre-approval processing; sending data that identifies the user to a third party appointed to perform pre-approval processing for the determined one of said payment card products; receiving an indication from said third party that the user is pre-approved for the determined one of said payment card products; and downloading a results page to the user, the results page including a plurality of entries, one of said entries identifying said determined one of said payment card products and indicating that the user is pre-approved for said determined one of said payment card products, said one of said entries including a hypertext link to a website maintained by or for an issuer of said determined one of said payment card products. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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21. A method comprising:
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downloading, to a first user, a first display page indicative of a first offer for a payment card product, said first display page including a first hypertext link to a first webpage maintained by or for an issuer of said payment card product; and downloading, to a second user, a second display page indicative of a second offer for said payment card product, said second offer being pre-approved, said second display page including a second hypertext link to a second webpage maintained by or for said issuer; said first webpage for processing non-pre-approved applications for said payment card product, said second webpage for processing pre-approved applications for said payment card product. - View Dependent Claims (22, 23)
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24. A method comprising:
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receiving input from a user to indicate at least one preference of the user in regard to a payment card product that the user wishes to acquire; selecting at least one payment card product from a plurality of payment card products, said selected at least one payment card product being selected based at least in part on the at least one indicated preference of the user; requesting a determination as to whether the user is eligible for at least one promotional offer with respect to the selected at least one payment card product; and providing information to the user to indicate the user'"'"'s eligibility for the at least one promotional offer. - View Dependent Claims (25, 26, 27, 28, 29)
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Specification