EP1222555A4 - Preselection pour l'octroi d'un credit et systeme et procede d'octroi - Google Patents

Preselection pour l'octroi d'un credit et systeme et procede d'octroi

Info

Publication number
EP1222555A4
EP1222555A4 EP00920006A EP00920006A EP1222555A4 EP 1222555 A4 EP1222555 A4 EP 1222555A4 EP 00920006 A EP00920006 A EP 00920006A EP 00920006 A EP00920006 A EP 00920006A EP 1222555 A4 EP1222555 A4 EP 1222555A4
Authority
EP
European Patent Office
Prior art keywords
consumer
credit
vendor
credit account
application
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP00920006A
Other languages
German (de)
English (en)
Other versions
EP1222555A1 (fr
Inventor
Warren S Wilcox
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
FLEET CREDIT CARD SERVICES LP
Fleet Credit Card Services L P
Original Assignee
FLEET CREDIT CARD SERVICES LP
Fleet Credit Card Services L P
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by FLEET CREDIT CARD SERVICES LP, Fleet Credit Card Services L P filed Critical FLEET CREDIT CARD SERVICES LP
Publication of EP1222555A4 publication Critical patent/EP1222555A4/fr
Publication of EP1222555A1 publication Critical patent/EP1222555A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a system and method for prequalifying a consumer for credit and selectively offering an opportunity to enroll or apply for a credit account to the consumer only if the consumer satisfies certain preselection criteria.
  • the invention relates to a system and method for prequalifying and selectively offering an opportunity to enroll or apply for a credit account only to consumers satisfying certain preselection criteria, wherein individual consumers are automatically prequalified for credit at a point of contact between the consumer and a vendor and wherein the individual consumer is unaware that he or she is being prequalified.
  • What is needed is a system and method that allows for the automatic prequalification of a consumer for credit at a point of contact between the consumer and a vendor wherein the consumer is not aware that he or she is being prequalified and is offered the opportunity to enroll or apply for a credit account only if he or she satisfies certain preselection criteria during the prequalification process.
  • What is also needed is a system and method for automatically prequalifying a consumer when the consumer places an order for goods and services wherein the consumer is not aware that he or she is being prequalified and wherein an opportunity to enroll or apply for a credit account is only provided if the consumer satisfies certain preselection criteria during the prequalification process.
  • the present invention provides a system and method for prequalifying individual consumers for credit and selectively offering an opportunity to enroll or apply for a credit account only to those consumers satisfying certain preselection criteria. More particularly, the invention provides a system and method for prequalifying and selectively offering an opportunity to enroll or apply for a credit account only to those consumers satisfying certain preselection criteria, wherein individual consumers are automatically prequalified for credit at a point of contact between a consumer and a vendor and wherein the consumer is unaware that he or she is being prequalified.
  • a system and method for prequalifying consumers for credit including: (a) automatically prequalifying a consumer for credit at a point of contact with a vendor; and, (b) selectively offering an opportunity to enroll or apply for a credit account only if the consumer satisfies certain preselection criteria; wherein the consumer is unaware that he or she is being prequalified; wherein the prequalification process is facilitated using information obtained from the consumer by the vendor during the point of contact or at some previous time, which information may include, for example, one or more of the following: the consumer's name, the consumer's home address, the consumer's shipping address, the consumer's social security number, the consumer's home telephone number and the consumer's e-mail address; and wherein the offer to enroll or apply for the credit account is made during the point of contact.
  • the point of contact between a consumer and a vendor arises when the consumer and the vendor interact in person, over the phone or electronically, e.g., via modem, over the internet, etc., for any reason.
  • the point of contact will arise when a consumer and a vendor interact to purchase/sell goods and/or services; to register a product for service or warranty purposes; or to request/provide information about a product or service.
  • the point of contact arises when a consumer visits a vendor's website, when a consumer calls a vendor to place an order for goods and/or services, when a vendor calls or electronically contacts a consumer to offer for sale goods and/or services, or when a vendor calls or electronically contacts a consumer to provide product or service information.
  • a system and method for prequalifying consumers for credit including: (a) automatically prequalifying a consumer for credit at a point of contact with a vendor; (b) selectively offering an opportunity to enroll or apply for a credit account only if the consumer satisfies certain preselection criteria; and, (c) instructing the consumer on how to enroll or apply for the credit account; wherein the consumer is unaware that he or she is being prequalified; wherein the prequalification process is facilitated using information obtained from the consumer by the vendor during the point of contact or at some previous time, which information may include, for example, one or more of the following: the consumer's name, the consumer's home address, the consumer's shipping address, the consumer's social security number, the consumer's home telephone number and the consumer's e-mail address; and wherein the offer to enroll or apply for the credit account is made during the point of contact.
  • a system and method for prequalifying consumers for credit including: (a) automatically prequalifying a consumer for credit at a point of contact with a vendor; (b) selectively offering an opportunity to enroll or apply for a credit account only if the consumer satisfies certain preselection criteria; (c) obtaining from the consumer any additional information needed to complete an enrollment or credit application for the credit account; (d) processing the application; and, (e) immediately notifying the consumer of the results of the application, optionally, the consumer is immediately notified of the results of the application only if the consumer qualifies for a credit account; wherein the consumer is unaware that he or she is being prequalified; wherein the prequalification process is facilitated using information obtained from the consumer by the vendor during the point of contact or at some previous time, which information may include, for example, one or more of the following: the consumer's name, the consumer's home address, the consumer's shipping address, the consumer's social security number, the consumer's home telephone number,
  • a system wherein a vendor, at a point of contact with a consumer: (a) obtains information about the consumer; (b) accesses a computer system maintained by a credit grantor (i.e., any credit granting institution; any agents of a credit granting institution; any subcontractors of a credit granting institution; any credit bureau, agent of a credit bureau or any other independent contractors acting under contract with and on behalf of a credit granting institution; and/or any other entities operated by or on behalf of a credit granting institution) and communicates the information about the consumer to the computer system where that information is compared to data regarding the creditworthiness of a multitude of individuals stored in a data base; (c) receives information from the computer system regarding whether the consumer prequalifies for a credit account; (dl) if the consumer does not prequalify, the vendor proceeds to step (e), or, (d2) alternatively, if the consumer does prequalify, the vendor advises the consumer of an opportunity to enroll or apply
  • a credit grantor i.e
  • the prequalification step and the application/qualification steps preferably take place in real time, preferably the prequalification step is performed simultaneously with other steps taken to complete the transaction between the consumer and vendor such that the prequalification step does not increase the time necessary to complete that transaction.
  • the data base is maintained by a credit bureau or an agent of a credit bureau under contract with and on behalf of the credit bureau or a credit granting institution.
  • the data base is periodically updated with new consumer credit data obtained from at least one credit bureau. Most preferably the data in the data base is updated at least quarterly.
  • the system and method of the present invention preferably provides a means for prequalifying and selectively offering an opportunity to enroll or apply for a credit account to those consumers satisfying certain preselection criteria, wherein the prequalification and opportunity to enroll or apply for credit occur during a point of contact between a consumer and a vendor and wherein the consumer is unaware that he or she is being prequalified.
  • the system and method of the present invention includes: (a) automatically prequalifying a consumer for credit at a point of contact with a vendor; and, (b) selectively offering an opportunity to enroll or apply for a credit account to the consumer, only if the consumer satisfies certain preselection criteria; wherein the consumer is unaware that he or she is being prequalified; wherein the prequalification process is facilitated using information obtained from the consumer by the vendor during the point of contact or at some previous time, which information may include, for example, one or more of the following: the consumer's name, the consumer's home address, the consumer's shipping address, the consumer's social security number, the consumer's home telephone number, and the consumer's e-mail address; and wherein the offer to enroll or apply for a credit account is made during the point of contact with the vendor.
  • point of contact refers to a span of time during which a consumer and a vendor interact, for any reason, in person, over the phone or electronically, e.g., via modem, over the internet, etc.
  • the point of contact arises when a consumer and a vendor interact to purchase/sell goods and/or services, to request/provide information about a product or service, to enroll or become a registered user in a service, or to register a product for service or warranty purposes.
  • the point of contact arises when a consumer visits a vendor's website, when a consumer calls a vendor to place an order for goods and/or services, when a vendor calls or electronically contacts a consumer to offer for sale goods and/or services, or when a vendor calls or electronically contacts a consumer to provide product or service information.
  • credit grantor refers to any credit granting institution; any agents of a credit granting institution; any subcontractors of a credit granting institution; any credit bureau, agent of a credit bureau or any other independent contractors acting under contract with and on behalf of a credit granting institution; and/or any other entities operated by or on behalf of a credit granting institution.
  • vendors When consumers and vendors interact to transact business in person, over the phone, or electronically, e.g., via modem, over the internet, vendors often request that the consumer provide certain information.
  • the information requested may include one or more of the following: the consumer's name, the consumer's home address, the consumer's shipping address, the consumer's social security number, the consumer's home telephone number, and the consumer's e-mail address.
  • the information requested may further include a credit card number issued in the name of the consumer.
  • the information obtained by the vendor from the consumer is used to determine whether the consumer prequalifies for credit.
  • the information is compared to data regarding the creditworthiness of a multitude of individuals stored in a data base.
  • the data base includes identifying information only on those individuals who satisfy certain preselection criteria.
  • the data base includes only the name, address, social security number, home phone number and e-mail address, if any, of individuals who satisfy certain preselection criteria.
  • the data included in the data base is updated periodically using information obtained from or by at least one credit bureau. Most preferably, the data included in the data base is updated at least quarterly.
  • the preselection criteria used to determine the creditworthiness of a given individual may vary from one credit grantor to another. Notwithstanding, the information used to determine an individual's creditworthiness is well known in the credit granting industry.
  • FIG. 1 is a schematic flow diagram of a preferred embodiment of the system and method of the present invention.
  • the system and method of the invention begins at a point of contact between a consumer and a vendor, step SI.
  • the vendor obtains information from the consumer, step S2.
  • the vendor communicates this information to a credit grantor, which information the credit grantor uses to determine if the consumer prequalifies for a credit account, step S3. If the consumer does not prequalify, the vendor proceeds with the purpose of the point of contact.
  • the vendor (a) advises the consumer of an opportunity to enroll or apply for a credit account, instructs the consumer on how to enroll or apply for the credit account and proceeds with the purpose of the point of contact, step S4(a); or, alternatively, (b) offers the consumer an opportunity to enroll or apply for the credit account, step S4(b). If the consumer declines the offer, the vendor proceeds with the purpose of the point of contact. If the consumer agrees to enroll or apply, the vendor obtains any additional information necessary to complete an enrollment or credit application, step S5. The information in the application is communicated to the credit grantor so that the application can be processed, step S6. If the consumer does not qualify for credit, the vendor preferably does not so advise the consumer.
  • the vendor advise the consumer that he or she will be notified of the result of the application via subsequent notification, step S7(a) and proceeds with the purpose of the point of contact, step S10.
  • the consumer is preferably so notified, more preferably, the consumer is further notified regarding the terms of the credit offered, step S7(b).
  • the vendor preferably gives the consumer the opportunity to use the new credit account to complete a transaction with the vendor during the point of contact, step S8.
  • the vendor preferably offers the consumer a benefit for using the new credit account to complete a transaction during the point of contact, step S9. The consumer and vendor proceed with the purpose of the point of contact, step S10.
  • the point of contact between the consumer and the vendor, step SI, as described above, is the span of time during which the consumer and the vendor interact, preferably to transact business.
  • the point of contact between the consumer and the vendor occurs in person, over the telephone or electronically, e.g., via modem, over the internet, most preferably, over the internet.
  • the vendor may obtain information from the consumer, step S2, as a preliminary matter. That is, for example, a vendor may request information from consumers when they visit the vendor's website, e.g., name, home address, shipping address, social security number, home phone number or e-mail address. The vendor may request the information from the consumer when the consumer requests to make a purchase of goods and/or services from the vendor. Alternatively, the vendor may already have on record information regarding the consumer. For example, the vendor may retain records regarding consumers who have previously made a purchase from the vendor. The vendor may also retain records on prospective consumers who are, for example, on the vendor's mailing list.
  • a vendor may request information from consumers when they visit the vendor's website, e.g., name, home address, shipping address, social security number, home phone number or e-mail address.
  • the vendor may request the information from the consumer when the consumer requests to make a purchase of goods and/or services from the vendor.
  • the vendor may already have on record information regarding the consumer.
  • the vendor may retain records
  • the method and system of the present invention requires that a certain minimum modicum of information be communicated to the credit grantor to facilitate prequalification, step S3.
  • the minimum modicum of information communicated may preferably comprise at least one of the following: (a) consumer's name;
  • Prequalification comprises a comparison of the consumer's information with data stored in a data base.
  • the data base will include identifying information on a multitude of individuals along with an indication of each such individual's creditworthiness. If the consumer's data is included in the data base and is indicated to be creditworthy, the consumer will prequalify and the vendor will be so notified. Alternatively, if the consumer's data is not included in the data base or if the consumer's data is included, but the consumer is not indicated to be creditworthy, the vendor will be so notified.
  • the vendor will, in one aspect of this embodiment of the present invention, (1) advise the consumer of an opportunity to enroll or apply for a credit account, (2) instruct the consumer on how to enroll or apply for the credit account and (3) proceed with the purpose of the point of contact, step 4(a).
  • the vendor will provide the consumer with an offer to enroll or apply for credit, step S4(b). If the consumer agrees to enroll or apply, the vendor will obtain any additional information needed to complete an enrollment or credit application, step S5.
  • the information used to perform credit checks and to enroll or apply for credit are well known in the credit industry.
  • the information included in the enrollment or credit application is communicated from the vendor to the credit grantor for processing, step S6.
  • the procedures used to process enrollment or credit applications are well known in the credit industry.
  • the vendor will preferably inform the consumer that he or she will be notified of the result of the enrollment or application for credit via subsequent notification, step S7(a).
  • the consumer will be notified by the vendor that the application was approved and, optionally, of the terms and conditions of the credit account, step S7(b).
  • the credit grantor will create a customized credit account offer to the consumer based on the consumer's profile and level of creditworthiness.
  • the customizable features of the credit account may include the product type, e.g. gold card, platinum card, and the like; annual percentage rate; annual fee; rewards programs; and the like.
  • the vendor will ask the consumer if he or she would like to use the new credit account to make that purchase, step S8. More preferably, the vendor will, optionally, additionally offer the consumer a benefit if the consumer uses the new credit account to make a purchase of goods and/or services, step S9.
  • the benefit might comprise, for example, free merchandise, free shipping, a discount on the goods and/or services being purchased, etc.
  • the information communicated back and forth between the consumer and vendor may be transferred face to face in person, over the telephone, or electronically using any means of data communication. The communication back and forth between the vendor and credit grantor may be transferred electronically using any means of data communication.
  • a consumer using an interactive device connects to the internet and accesses any one of a number of ever increasing vendor websites and initiates a transaction, preferably a purchase of goods and/or services.
  • the vendor website prompts the consumer to provide certain information, for example, the consumer's name and address.
  • the vendor website preferably initiates a prequalification process by transmitting the information to a credit grantor's computer system were the information is compared to data regarding the creditworthiness of a multitude of individuals stored in a data base.
  • the credit grantor's computer system communicates the result of the prequalification to the vendor website.
  • the vendor website will prompt the consumer with a screen display offering the consumer an opportunity to enroll or apply for credit or to proceed with the consumer/vendor transaction. Should the consumer proceed by completing the application for credit by inputting the necessary information, that information is communicated to the credit grantor's computer system where the application is processed. The result of the application process is communicated to the vendor website.
  • the vendor website notifies the consumer of an approved application with a screen displaying the terms and conditions of the credit account. Alternatively, the vendor website notifies the consumer of a denied application by displaying a screen which states that the application has been denied or that the consumer will be notified regarding the result of the application via subsequent communication.
  • the vendor website preferably prompts the consumer with a screen display which inquires whether the consumer wishes to use the new credit account to make a purchase.
  • the inquiry preferably includes a statement offering some benefit to the consumer for using the new credit account to make a purchase, e.g., free shipping, price discount on merchandise purchased.
  • the interactive device used by the consumer preferably comprises a computer with a keyboard, a pointing device, such as a mouse or a wand, a touch screen display device, or some combination thereof.
  • the consumer's interactive device, the vendor website and the credit grantor's computer system are preferably all inter-connected through the internet, via telecommunication lines, data transmission cables or any other means facilitating the transmission of data therebetween.
  • the credit grantor's computer system may comprise a plurality of computers and data storage facilities that are electronically interconnected with one another through the internet, an intranet, via telecommunication lines, data transmission cables or any other means facilitating the transmission of data therebetween.
  • the specific computer (or computers) which accesses the memory means, comprising the data base storing the information regarding the creditworthiness of a multitude of individuals, to perform the prequalification may be different from the computer (or computers) used to process the enrollment or credit application.
  • both the computer (or computers) that accesses the memory means comprising the data base and the computer (or computers) that processes the application are all part of the credit grantor's computer system.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un système et un procédé permettant de présélectionner un client demandant un prêt et de proposer de manière sélective l'ouverture d'un compte de crédit au client uniquement si celui-ci satisfait à certains critères de présélection. L'invention concerne plus particulièrement un système et un procédé de présélection et d'offre sélective d'une ouverture d'un compte de crédit (S4(b)) réservée aux clients répondant à certains critères de présélection. Les clients individuels sont automatiquement présélectionnés (S3) pour le crédit en un point de contact entre le client et l'institution (S10) sans pour autant en être conscients.
EP00920006A 1999-04-02 2000-03-31 Preselection pour l'octroi d'un credit et systeme et procede d'octroi Withdrawn EP1222555A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US285281 1994-08-03
US28528199A 1999-04-02 1999-04-02
PCT/US2000/008673 WO2000060487A1 (fr) 1999-04-02 2000-03-31 Preselection pour l'octroi d'un credit et systeme et procede d'octroi

Publications (2)

Publication Number Publication Date
EP1222555A4 true EP1222555A4 (fr) 2002-07-17
EP1222555A1 EP1222555A1 (fr) 2002-07-17

Family

ID=23093573

Family Applications (1)

Application Number Title Priority Date Filing Date
EP00920006A Withdrawn EP1222555A1 (fr) 1999-04-02 2000-03-31 Preselection pour l'octroi d'un credit et systeme et procede d'octroi

Country Status (6)

Country Link
EP (1) EP1222555A1 (fr)
AU (1) AU4060800A (fr)
BR (1) BR0009527A (fr)
CA (1) CA2403260A1 (fr)
MX (1) MXPA01009959A (fr)
WO (1) WO2000060487A1 (fr)

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US7318046B1 (en) 1998-03-05 2008-01-08 American Management Systems, Inc. Collector's account payment promise option advisory apparatus and method
US7006994B1 (en) 1999-07-16 2006-02-28 American Management Systems, Inc. Automated receivables management system
US7552866B2 (en) * 2005-10-24 2009-06-30 American Express Travel Related Services Company, Inc. System and method for transferring a financial transaction account according to predetermined criteria
US8055557B2 (en) 2007-12-21 2011-11-08 Metabank Transfer account systems, computer program products, and associated computer-implemented methods
US8108272B2 (en) 2007-12-21 2012-01-31 Metabank Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US10515405B2 (en) 2008-03-03 2019-12-24 Metabank Person-to-person lending program product, system, and associated computer-implemented methods
WO2009124270A1 (fr) * 2008-04-04 2009-10-08 Metabank Système, produit programme et méthodes associées de prélèvement automatique pour des microcrédits rattachés à une carte prépayée
US11227331B2 (en) 2008-05-14 2022-01-18 Metabank System, program product, and computer-implemented method for loading a loan on an existing pre-paid card
WO2010028266A1 (fr) 2008-09-04 2010-03-11 Metabank Système, produit de programme et procédés pour une activation et recharge de vente au détail associées à des transactions d’autorisation partielle
US9213965B1 (en) 2008-11-26 2015-12-15 Metabank Machine, methods, and program product for electronic inventory tracking
US8286863B1 (en) 2009-02-04 2012-10-16 Metabank System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
US20110082737A1 (en) 2009-09-28 2011-04-07 Crowe Andrew B Computer-implemented methods, computer program products, and systems for management and control of a loyalty rewards network
HK1189328A2 (en) * 2013-09-30 2014-05-30 Hong Kong Modern Technology Ltd Fluid heat exchanger and energy recovery device

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Also Published As

Publication number Publication date
BR0009527A (pt) 2003-03-05
AU4060800A (en) 2000-10-23
EP1222555A1 (fr) 2002-07-17
CA2403260A1 (fr) 2000-10-12
WO2000060487A8 (fr) 2000-12-14
WO2000060487A1 (fr) 2000-10-12
MXPA01009959A (es) 2003-07-14

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