Method and apparatus for providing pre-existing customers and prospective customers with an immediately accessible account
First Claim
1. A method for facilitating a transaction account approval, the method comprising:
- receiving, by a computer based system for facilitating the transaction account approval, a respective access code from a customer of a plurality of prospective customers and an existing customer of an account issuer at an interface of the account issuer, wherein a plurality of access codes were provided to the plurality of prospective customers and existing customers of the account issuer, and wherein each of the plurality of access codes can not be used to transfer funds via the account issuer;
determining, by the computer based system, whether the customer is a prospective customer or an existing customer based at least in part on the respective access code;
providing, by the computer based system, an offer from a plurality of stored offers to the customer based at least in part on the determining, wherein said offer for the prospective customer and existing customer is based at least in part on the respective access code; and
performing, by the computer based system, at least one of a removal of fields and a population of fields at the interface of the account issuer based at least in part on a profile associated with the respective access code, wherein an amount of personal information requested from the customer when the customer is an existing customer is less than an amount of personal information requested from a prospective customer.
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Accused Products
Abstract
A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party'"'"'s credit profile.
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Citations
20 Claims
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1. A method for facilitating a transaction account approval, the method comprising:
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receiving, by a computer based system for facilitating the transaction account approval, a respective access code from a customer of a plurality of prospective customers and an existing customer of an account issuer at an interface of the account issuer, wherein a plurality of access codes were provided to the plurality of prospective customers and existing customers of the account issuer, and wherein each of the plurality of access codes can not be used to transfer funds via the account issuer; determining, by the computer based system, whether the customer is a prospective customer or an existing customer based at least in part on the respective access code; providing, by the computer based system, an offer from a plurality of stored offers to the customer based at least in part on the determining, wherein said offer for the prospective customer and existing customer is based at least in part on the respective access code; and performing, by the computer based system, at least one of a removal of fields and a population of fields at the interface of the account issuer based at least in part on a profile associated with the respective access code, wherein an amount of personal information requested from the customer when the customer is an existing customer is less than an amount of personal information requested from a prospective customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon for facilitating the transaction account approval that, in response to execution by a computing device, cause the computing device to perform operations comprising:
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receiving a respective access code from a customer of a plurality of prospective customers and an existing customer of an account issuer at an interface of the account issuer, wherein a plurality of access codes were provided to the plurality of prospective customers and existing customers of the account issuer, and wherein each of the plurality of access codes can not be used to transfer funds via the account issuer; determining whether the customer is a prospective customer or an existing customer based at least in part on the respective access code; providing an offer from a plurality of stored offers to the customer based at least in part on the determining, wherein said offer for the prospective customer and existing customer is based at least in part on the respective access code; and performing at least one of a removal of fields and a population of fields at the interface of the account issuer based at least in part on a profile associated with the respective access code, wherein an amount of personal information requested from the customer when the customer is an existing customer is less than an amount of personal information requested from a prospective customer.
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20. A system comprising:
- a tangible, non-transitory memory communicating with a processor, the tangible, non-transitory memory having instructions stored thereon for facilitating the transaction account approval that, in response to execution by the processor, cause the processor to perform operations comprising;
receiving a respective access code from a customer of a plurality of prospective customers and an existing customer of an account issuer at an interface of the account issuer, wherein a plurality of access codes were provided to the plurality of prospective customers and existing customers of the account issuer, and wherein each of the plurality of access codes can not be used to transfer funds via the account issuer; determining whether the customer is a prospective customer or an existing customer based at least in part on the respective access code; providing an offer from a plurality of stored offers to the customer based at least in part on the determining, wherein said offer for the prospective customer and existing customer is based at least in part on the respective access code; and performing at least one of a removal of fields and a population of fields at the interface of the account issuer based at least in part on a profile associated with the respective access code, wherein an amount of personal information requested from the customer when the customer is an existing customer is less than an amount of personal information requested from a prospective customer.
- a tangible, non-transitory memory communicating with a processor, the tangible, non-transitory memory having instructions stored thereon for facilitating the transaction account approval that, in response to execution by the processor, cause the processor to perform operations comprising;
Specification