초록 ▼

A system is disclosed for presenting financial card (e.g., credit card, debit card) offers to potential customers. Financial card applicant selection criteria and financial card term data are provided by participating financial institutions. An applicant interested in applying for a new financial ca

A system is disclosed for presenting financial card (e.g., credit card, debit card) offers to potential customers. Financial card applicant selection criteria and financial card term data are provided by participating financial institutions. An applicant interested in applying for a new financial card accesses the system via the Internet/World Wide Web. The applicant provides personal and financial data that are then analyzed in conjunction with data from outside sources (such as credit bureaus) to determine a financial risk rating for the applicant. The rating is used to locate financial card offers appropriate for the applicant. The applicant then peruses the offers and chooses one that meets his or her personal selection criteria. The applicant's data is then forwarded for processing to the participating financial institution that made the selected offer.

대표청구항 ▼

[ What is claimed is:] [1.] An electronic financial card application system comprising:means for storing financial institution data for participating financial institutions;means for storing financial card term data for each of said participating financial institutions;means for providing ratings as

[ What is claimed is:] [1.] An electronic financial card application system comprising:means for storing financial institution data for participating financial institutions;means for storing financial card term data for each of said participating financial institutions;means for providing ratings associated with said financial card term data;means for storing application data for a financial card applicant;means for providing a rating for said financial card applicant, said rating based on said application data; andmeans for an applicant to review a plurality of financial card offers, said offers including said financial card term data and located by comparing said rating to an existing rating schedule assigned to said financial card term data.