METHOD AND SYSTEM FOR MATCHING BORROWERS AND LENDERS

• US 20110040630A1
• Filed: 08/06/2010
• Published: 02/17/2011
• Est. Priority Date: 08/06/2009
• Status: Abandoned Application

• Current Assignee: Credit Online Ventures, Inc., Lumus Ltd.
• Original Assignee: Credit Online Ventures, Inc.
• Inventors: WEISS, ADAM
• Application Number:
  US12/852,151
• Publication Number:
  US 20110040630A1
• Time in Patent Office: Days
• US Class Current: 705/14.66
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/08 Auctions

Abstract

A computerized method for providing targeted offers to a subset of a plurality of users. The method comprises receiving offer data from an offerror, receiving a filtering parameter for the offer data, generating an offerror profile, which includes the offer data and the filtering parameter; comparing the offerror profile to a plurality of user profiles; determining a matching user profile from the plurality of user profiles; and forwarding an offer to a user account that is associated with the matching user profile, wherein the offer data includes the offer.

Claims

1. A computerized method for providing targeted offers to a subset of a plurality of users, the method comprising:

receiving answers to a plurality of demographic and financial questions;

generating a user profile that includes said answers; and

matching the user profile to an offerror profile.

2. The computerized method according to claim 1, further comprising:

providing a data entry template that comprises a plurality of fields configured to receive the answers to the plurality of demographic and financial questions.

3. The computerized method according to claim 2, wherein the plurality of fields comprise between 8 and 10 fields, each of which is configured to receive a single answer to the plurality of demographic and financial questions.

4. The computerized method according to claim 1, further comprising:

monitoring user behavior associated with the user profile; and

generating user behavior parameters based on the user behavior,

wherein the user behavior includes at least one of;

a number of user profile updates;

a number of offer applications approved by offerrors; and

a number of offer applications rejected by offerrors.

5. The computerized method according to claim 1, further comprising:

displaying a user account that is associated with the user profile, wherein the user account comprises an offer management menu display.

6. The computerized method according to claim 5, wherein the offer management menu display comprises:

an offer identification of an offer, including terms and conditions associated with the offer;

a status indication for the offer.

7. The computerized method according to claim 6, wherein the status indication comprises:

a hold offer for later review status;

a reject offer status;

or

an apply for offer status.

8. The computerized method according to claim 1, wherein said matching the user profile to the offerror profile comprises:

comparing the user profile to a plurality of offerror profiles, including said offerror profile;

determining said offerror profile as being a matching offerror profile; and

forwarding an offer associated with the matching offerror profile to a user account that is associated with the user profile.

9. The computerized method according to claim 8, further comprising:

displaying an offer management menu;

monitoring user activity related to an offer; and

updating the user account to include actions taken by the user related to the offer.

10. The computerized method according to claim 9, further comprising:

providing a link to the user, wherein the link is associated with the offer.

15. The computer method according to claim 1 further comprising:

receiving an edit instruction from the offerror to edit the filter parameter;

receiving a delete instruction from the offerror to delete the filter parameter;

or

receiving an add instruction from the offerror to add another filter parameter.

11. A computerized method for providing targeted offers to a subset of a plurality of users, the method comprising:

receiving offer data from an offerror;

receiving a filtering parameter for the offer data;

generating an offerror profile, which includes the offer data and the filtering parameter;

comparing the offerror profile to a plurality of user profiles;

determining a matching user profile from the plurality of user profiles; and

forwarding an offer to a user account that is associated with the matching user profile,

wherein the offer data includes the offer.

12. The computer method according to claim 11, wherein the filtering parameter comprises at least one of:

length of credit history;

a state of residency;

a zip code;

an employment status;

an education level;

an income amount or range;

a home ownership status;

a bank account status;

a credit background;

a credit score;

a bankruptcy status;

a foreclosure status;

a spending habit;

a spending behavior;

a balance owed on a credit card; and

a balance owed on all credit cards.

13. The computer method according to claim 11, wherein offer data comprises:

information about financial products or services, including associated terms and conditions.

14. The computer method according to claim 11, further comprising:

receiving an edit instruction from the offerror to edit the offer data;

receiving a suspension instruction from the offerror to suspend the offer;

or

receiving a delete instruction from the offerror to delete the offer.

16. The computer method according to claim 11, further comprising:

determining a potential demand for the offer.

17. The computer method according to claim 16, wherein the determining the potential demand for the offer comprises:

preflighting the offerror profile to the plurality of user profiles before publishing the offer.

18. A system for creating and providing targeted offers to users, the system comprising:

a user interface that is configured to receive user data and generate a user account, including a user profile;

an offerror interface that is configured to receive offerror data and generate an offerror account, including an offerror profile; and

a matching system that is configured to compare the user profile with the offerror profile and provide an offer to the user account when a match is determined.

19. The system according to claim 18, wherein user data comprises at least one of:

length of credit history;

a state of residency;

a zip code;

an employment status;

an education level;

an income amount or range;

a home ownership status;

a bank account status;

a credit background;

a credit score;

a bankruptcy status;

a foreclosure status;

a spending habit;

a spending behavior;

a balance owed on a credit card; and

a balance owed on all credit cards.

20. The system according to claim 18, wherein the matching system is further configured to:

monitor user behavior associated with the user profile; and

generate user behavior parameters based on the user behavior,

wherein the user behavior includes at least one of;

a number of user profile updates;

a number of offer applications approved by offerrors; and

a number of offer applications rejected by offerrors.