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Method and apparatus for an account level offer of credit and real time balance transfer

  • US 6,324,524 B1
  • Filed: 11/03/1998
  • Issued: 11/27/2001
  • Est. Priority Date: 11/03/1998
  • Status: Expired due to Term
First Claim
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1. A method of presenting multiple custom offers to an applicant for credit over a network comprising:

  • obtaining a credit report containing applicant data;

    presenting a plurality of offers to the applicant, the plurality of offers being derived from the applicant data, wherein the plurality of offers include different required balance transfers and wherein the plurality of offers include different credit limits and wherein each credit limit is determined as a function of FICO score and the required balance transfer; and

    obtaining a selected offer from the applicant.

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