Patent Publication Number: US-2012030026-A1

Title: Methods and Apparatus for Presenting Offers to Qualified Consumers

Description:
This application is a continuation of U.S. Ser. No. 11/743,334 filed May 2, 2007 which is a continuation of U.S. Ser. No. 09/682,851 filed Oct. 24, 2001 which is incorporated by reference herein in its entirety. 
    
    
     FIELD OF THE INVENTION 
     The present invention relates generally to advantageous methods for marketing of products, offers or the like. More particularly, the invention relates to techniques for identifying consumers who are members of a designated category which has been judged to be a desirable market for a class of products and presenting special offers to consumers who have been identified as members of the designated category. 
     BACKGROUND OF THE INVENTION 
     Many life events and activities, such as high school or college graduation, marriage, childbirth, sending children to college, relocation and the like create a need for products and services. Such events present significant opportunities for marketing efforts directed toward consumers engaging in a particular activity. Relocation of a family, to take a particular example, frequently creates needs for a particular set of products or services. The act of relocating generates requirements for goods and services related to making the move, such as moving and storage services, packing material, truck rental and the like, as well as requirements for goods and services related to taking up the new residence such as insurance, utility services, school registration, furniture, groceries and the like. A relocating family has a set of needs which can be easily anticipated. Because the activities involved in relocation frequently occur in a known sequence and because the time occupied by each activity can be estimated with reasonable reliability, the approximate times at which the family will need particular goods or services can be anticipated. Identifying a relocating person or family therefore provides a significant marketing opportunity to a number of vendors, and the value of the marketing opportunity increases with the certainty with which the prospective consumer is identified as a genuine relocating consumer. 
     Because a relocating family often spends a considerable sum in arranging a move and purchasing products or services needed after the move, a vendor will frequently be willing to extend special offers to such a family. These offers can be significantly more valuable than those which would be offered to other prospective consumers. However, a particularly lucrative offer advertised generally in an effort to reach relocating consumers might induce prospective consumers to falsely claim that they were relocating, and it is difficult for a vendor to determine whether a consumer who claims to be preparing to engage in a particular activity such as relocating is telling the truth. The vendor cannot inquire too closely into the consumer&#39;s personal affairs for fear of alienating the consumer. The vendor cannot reasonably ask for a deposit or credit card guarantee because a consumer is unlikely to part with money or a credit card number unless he or she is actually buying a product or service. In the present state of the art, therefore, a vendor cannot easily prevent offers directed toward a specific category of consumers from being used by persons not in the category. 
     Moreover, it is often difficult for a vendor to discover that a particular consumer is relocating, particularly early in the relocation process. Many of the actions which identify a consumer as relocating occur shortly before, or after, the consumer has moved to a new residence. For example, a consumer typically enters a change of address order so that the consumer&#39;s mail will be properly delivered to the new residence. If a vendor finds out that a consumer has entered a change of address order, the vendor can identify the consumer as being about to change, or having recently changed, addresses. Such an identification allows the vendor to include the consumer in marketing efforts directed toward similar consumers. In most cases, however, the move is imminent or has already occurred by the time a consumer needs to enter a change of address order, and the typical consumer has already arranged for or used many products and services related to a move. For example packing supplies and moving services or truck rental would have already been arranged for or used by the time a consumer has typically entered a change of address order. Companies offering products or services which are typically arranged early in the relocation process do not gain much benefit by identifying relocating consumers as a result of events which occur later in the relocation process. 
     There exists, therefore, a need for a system which will identify a consumer as engaging in a specific activity identified with a marketing opportunity, using information which the consumer will be willing to provide, and which identifies the consumer early in the process of his or her engaging in the activity. 
     SUMMARY OF THE INVENTION 
     In order to meet this need, one aspect of the present invention provides a system which allows identification of a consumer as belonging to a designated category and providing consumers so identified with offers, comprising a database of offers accessible through connection by consumer operated computers upon authentication of consumer registration, an offer presentation module for controlling access to the database of offers and a consumer registration module allowing registration of a consumer for access to the database of offers. The consumer registration module allows registration of a consumer upon submission of identifying information provided to the consumer by a party who has identified the consumer as belonging to a designated category and used to identify the consumer as belonging to the designated category. 
     In another aspect, a process is provided of presenting offers to consumers who are members of a designated category, comprising the steps of providing a consumer with an identifier upon verification of the consumer&#39;s membership in the designated category by a party providing the identifier, receiving the identifier when presented by the consumer, authenticating the identifier, allowing the consumer to register his or her identity after successful authentication of the identifier, and upon completion of registration, allowing the consumer access to a selection of offers. 
     A more complete understanding of the invention, as well as further features and advantages of the invention, will be apparent from the following Detailed Description and from the claims which follow below. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  illustrates a consumer identification and offer presentation system according to an aspect of the present invention; 
         FIG. 2  illustrates process of consumer identification and registration according to an aspect of the present invention; 
         FIG. 3  illustrates a process of consumer login and offer selection according to an aspect of the present invention; 
         FIGS. 4A and 4B  illustrate an initial entry web page according to an aspect of the present invention; 
         FIG. 5  illustrates an initial registration selection web page according to an aspect of the present invention; 
         FIGS. 6A and 6B  illustrate aspects of an initial registration form according to an aspect of the present invention; 
         FIG. 7  illustrates an initial web page displayed after registration submission according to an aspect of the present invention; 
         FIGS. 8A and 8B  illustrate a web page displaying a privacy policy and a mechanism for accepting or rejecting the privacy policy according to an aspect of the present invention; 
         FIGS. 9A and 9B  illustrate a web page displayed upon login to an offer presentation system according to an aspect of the present invention; 
         FIGS. 10A and 10B  illustrate a web page reached after selecting an offer, the web page presenting a form to be submitted using an offer presentation system according to an aspect of the present invention; 
         FIGS. 11A-11C  illustrate a web page reached after submission of the form illustrated in  FIGS. 10A and 10B ; and 
         FIG. 12  illustrates a web page displaying a limited set of offers presented using a system according to an aspect of the present invention. 
     
    
    
     DETAILED DESCRIPTION 
       FIG. 1  illustrates a consumer identification and offer presentation system  100  according to an aspect of the present invention. The system  100  provides a way to identify a consumer as belonging to a designated category, in this case persons who have applied for or made serious inquiries about home loans with a particular lender, the lender being a member of a group of lenders who have subscribed to services provided by the system  100 , and to present offers to that consumer. Identifying consumers in connection with inquiries about a home loan provides significant advantages. Consumers who have applied for home loans have in most cases already entered into purchase contracts for the real estate connected with the loan. Customers who have made serious inquiries about home loans but have not yet applied for the loan may also have entered into a purchase contract or may be seriously engaged in searching for a suitable home. It can be expected that a large proportion of such consumers are true relocating consumers. Moreover, consumers typically apply for or inquire about home loans early in the relocation process. Therefore, identification of a consumer as soon as he or she applies for or inquires about a home loan allows for marketing of products and services tailored to all stages of the relocation process. The system  100  illustrates an embodiment of the present invention which is oriented toward the identification, and directing of offers to, borrowers who have applied for home loans or who have made serious inquiries with a participating lender such that the lender regards the borrower as a serious prospect for a loan. The use of the term “borrower” as used herein will include both persons who have actually applied for a loan and persons who have made inquiries with a participating lender and are eligible for use of the system  100 . 
     It will be recognized that the system  100  may easily be adapted to limit participation to borrowers who have actually applied for a loan. It will further be recognized that a system similar to the system  100  may easily be designed to allow for consumers belonging to any desired category to be identified, for example, persons who have reserved a hall for a wedding, persons who are seniors in college, or any category which it may be desirable to designate in order to direct marketing of products or services to members of that category in a targeted manner. 
     The system  100  includes a server  102  operated by a service provider  104 . The server  102  communicates with a plurality of borrower operated computers, for example the computers  106 A- 106 D, and may also communicate with various lender computers  108 A and  108 B maintained by or providing services to lenders  110 A and  110 B. Communication with the server  102 , the remote borrower computers  106 A- 106 D and the lender computers  108 A and  108 B is preferably accomplished through a publicly accessible network  111 , such as the Internet. The service provider  104  typically has contracts with each of a plurality of lenders, including the lenders  110 A and  110 B as well as lenders  110 C and  110 D, who in the present example do not maintain computers having a connection to the server  102 . Many more borrowers, borrower computers, lenders and lender computers can be included in the system  100 , but for simplicity in illustration and discussion, only four borrower computers, four lenders and two lender computers are shown here. 
     The server  102  maintains a database  114  of offers and discounts provided by various vendors under contract with the service provider  104 , as well as an offer presentation module  116  for controlling access to the offers and a consumer registration module  118  which allows identification and registration of borrowers and maintenance and storage of borrower information. When a borrower applies for or inquires about applying for a mortgage from a lender, the lender may suitably provide the borrower with an identifier and password uniquely identifying that lender. The lender typically also tells the borrower about the system for providing offers and may provide the borrower with instructions for connecting to and registering with the server computer  102 . The lender may provide the borrower with the identifier and password and additional information and instructions required for access to the system  100  by one or more of a number of means, such as personal conversation with a loan officer, by providing this information as part of a package of printed material furnished to the borrower, or other suitable means. If desired, the system  100  may be designed so that lenders limit participation to those customers who have actually applied for a loan. Alternatively, the system  100  may be designed so that some lenders limit participation to customers who have applied for a loan and other lenders allow participation to both actual loan applicants and persons judged to be serious prospects. Allowing or disallowing participation by a borrower or prospective borrower is easily achieved by providing or withholding the identifier and password and instructions for connecting to and registering with the server  102 . 
     In this example, borrower A, a customer of the lender  110 A, receives the identifier and password from the lender  110 A. Borrower A uses his computer  106 A to connect to a website  120 A hosted on the computer  108 A. The website  120 A contains a hypertext link to a website  122  hosted on the server  102 . The website  122  may suitably be used by both the offer presentation module  116  and the registration module  118  to provide an interface for communicating with a consumer such as borrower A. When linked from the website  120 A, the website  122  displays a promotional message from the lender  110 A. The website  122  presents borrower A with an initial validation web page which allows him to enter the identifier and password supplied by the lender  110 A. Borrower A is then taken to a registration web page in which he is allowed to enter a unique username and password as well as personal information. The website  122  then displays a login web page which allows borrower A to gain access to various offers which are displayed as hypertext links on the login web page by agreement between the provider  104  and the lender  110 A. 
     By clicking on a chosen hypertext link, borrower A can connect to an offer website and display an offer web page which displays offer information. Because the consumers using the system  100  tend to be particularly attractive consumers, the offers provided may advantageously be better for the consumers than typical promotions generally offered. The offer website and offer web page typically contain promotional material identifying the system  100  and welcoming the borrower as a user of the system  100 . 
     The offer information may take the form of a description of an offer or discount, an order form or an online coupon. If desired, any number of alternative formats may be used. Each offer website may, depending on arrangements between the service provider  104  and the vendor making the offer, be hosted on the server  102  or another server maintained by the provider  104 , or alternatively a server maintained by the vendor or by another party providing hosting services to the vendor. 
     As borrower A navigates through the various links, the original identifier which borrower A used during registration is retained and included in each link. Whenever borrower A seeks access to an offer, the lender  110 A is identified to the vendor originating the offer as the lender who introduced borrower A to the system  100 . If desired, the identification of the lender  110 A can be used to direct the inclusion of a promotional message from the lender  110 A on the offer page. Statistical information indicating how many borrowers referred by each lender accessed each of the various offers can also be maintained and used by the service provider and the various vendors and lenders to make judgments about which offers should be included and how the offers should be presented. Moreover, personal information previously supplied by borrower A is typically also provided to the vendor for use in creating offer materials such as online coupons or coupons for mailing. This information may, with permission from borrower A, be retained by the vendor and used in marketing efforts directed toward borrower A. Use of the system  100  identifies borrower A as a particularly attractive consumer and the collection of information relating to such consumers may be highly advantageous to vendors. 
     As a further example, borrower C initiates contact with the system  100  by establishing a connection between her computer  106 C and the website  122  hosted on the server computer  102 . Borrower C has previously been presented with a lender identifier and password by lender  110 C. Lender  110 C does not maintain a computer having a connection with the server  102 , but instead simply provides borrower C with a universal resource locator (URL)  124  directing borrower C to the website  122 . The URL  124  provided to borrower C may simply be the normal address of the website  122 . Alternatively, however, the URL  124  may be a special URL, which may suitably be provided to the lender  110 C by the service provider  104  and which directs internet browsers to the website  122 . The special URL may include a name similar to that of lender  110 C. Use of the URL to connect to the website  122  may suitably supply the website  122  with special information and may thereby cause the display on the website  122  of promotional material related to the lender  110 C. Upon establishing a connection with the website  122 , borrower C registers with and uses the system  100  in the same manner as does borrower A as described above. 
       FIG. 2  illustrates a process  200  of borrower registration and offer selection according to the present invention. The process  200  may advantageously be carried out using a system similar to the system  100  of  FIG. 1 . At step  202 , after a borrower has been judged to be a serious prospect for a home loan, for example because he or she has applied for or inquired about applying for a home mortgage with a lender, a lender identifier and password unique to that lender are provided to the borrower. The borrower is also informed that special offers can be accessed and is given instructions on how to use the identifier and password in order to register and gain access to the offers. The instructions may specify that the borrower connect to the lender&#39;s website and select a link found there, or may alternatively specify that the borrower link directly to an initial registration and offer selection website. 
     At step  204 , in response to the borrower&#39;s connection to the initial registration and offer selection website, either by navigating from the lender&#39;s website or by directly connecting to the initial registration and offer selection website, an initial entry web page is presented allowing the borrower to enter the previously supplied identifier and password. The initial entry web page may suitably include options for registration by new borrowers or for login by already registered borrowers. If the initial entry web page has been reached by navigation from the lender&#39;s website, the initial entry web page may suitably include promotional material identifying or chosen by the lender. At step  206 , upon entry of the identifier and password by the borrower, the identifier and password are authenticated. If authentication fails, the process proceeds to step  208 , the borrower is notified that authentication failed and given an opportunity to reenter the identifier and password, and the process returns to step  206 . If authentication passes, the process proceeds to step  210  and a registration web page is presented giving the borrower an opportunity to select a custom username and password and requesting that the borrower supply specified information, such as name, address, telephone, and email address. A set of fields is preferably presented to allow user entries. 
     At step  212 , in response to a borrower entry such as clicking on an icon, the fields entries are examined to confirm that valid entries have been made in all required fields. If proper entries have not been made, the process proceeds to step  214 , the fields where correction is required are highlighted and the borrower is given an opportunity to correct the entries. The process then returns to step  212 . If proper entries have been made, the process proceeds to step  216  and a confirmation page is presented showing the username and password, as well as a statement of terms which the borrower is asked to accept or decline. In response to the borrower&#39;s selection to decline the statement of terms, the process proceeds to step  218  and a notice is displayed that the terms of service must be accepted in order for registration to be completed, but that the borrower is free to accept the terms of service and complete registration or else to reregister at any time. The process then returns to step  216 . If the borrower accepts the terms of service, the process proceeds to step  220  and the previously entered information is stored and a welcome page is presented, including the username, password, various selections of choices such as a selection to update the borrower profile, and a selection of available offers with each offer suitably being presented as a hypertext link accompanied by explanatory text. 
     Next, at step  222 , in response to the borrower&#39;s selection of an offer, such as clicking on a hypertext link, a connection is made to a server hosting a web page with offer details and one or more mechanisms for taking advantage of the offer, for example linking to a signup or order form, displaying an online coupon for printing, displaying a discount identification code or other desirable ways to take advantage of the offer. In making the connection to the offer, the borrower&#39;s identification and the identification code provided to the borrower by the lender are provided to the server hosting the offer web page, in order to allow the collection of statistical information relating to the types of borrowers who obtain access to the various offers, distinguishing borrowers accessing an offer for the first time from borrowers who are accessing the offer for a second or subsequent time, and identifying a borrower accessing an offer as coming from a particular lender. Providing the borrower and lender identification also allows the offer web page, if desired, to display welcoming information directed to the specific borrower or to provide promotional information relating to the lender who originally referred the borrower to the system. At step  224 , appropriate actions are taken in response to borrower inputs, such as displaying online forms for information entry and accepting and processing the information provided using these forms, displaying online coupons, or other appropriate actions selected by the borrower. At step  226 , in response to a borrower action, for example, closing an Internet browser window used to display the offer information, display of the offer is terminated. Steps  222 - 226  may be carried out as desired by the borrower. At step  228 , in response to a borrower selection such as logout or closing of a browser window used to make the initial connection to the system, the process terminates. 
       FIG. 3  illustrates a process  350  of login and offer selection according to the present invention. The process  350  is carried out after the initial registration described in connection with  FIG. 2  has been completed successfully. At step  352 , in response to the borrower&#39;s connection to the website previously connected to in step  206  of  FIG. 2 , an initial entry web page is presented allowing the borrower to enter the borrower identification and password previously chosen at registration. At step  354 , upon entry of the borrower identifier and password, the borrower identifier and password are authenticated. If authentication fails, the process proceeds to step  356 , the borrower is notified that authentication has failed and is given an opportunity to reenter the borrower identifier and password and the process returns to step  352 . If authentication passes, the process proceeds to step  358  and a welcome page is presented, including the username, password, various selections of choices such as a selection to update the borrower profile, and a selection of available offers with each offer suitably being presented as a hypertext link accompanied by explanatory text. 
     At step  360 , in response to the borrower&#39;s selection of an offer, such as clicking on a hypertext link associated with the offer, a connection is made to a server hosting a web page with offer details and one or more mechanisms for taking advantage of the offer, for example linking to a signup or order form, displaying an online coupon for printing, displaying a discount identification code or other desirable ways to take advantage of the offer. The server is typically operated by or for a vendor making the offer. In making the connection to the offer, the borrower&#39;s identification and the identification code provided to the borrower by the lender are provided to the server hosting the offer web page, as well as personal information relating to the borrower such as the borrower&#39;s name and address. By receiving the borrower&#39;s identification as well as the identification code provided by the lender, the vendor is able to collect statistical information relating to the types of borrowers who obtain access to the various offers, distinguishing borrowers accessing an offer for the first time from borrowers who are accessing the offer for a second or subsequent time, and identifying a borrower who is accessing an offer as being associated with a particular lender. Identification of the borrower may also be used to insure that the borrower meets predefined conditions which have been previously established in order to control access to offers. These conditions may include, for example, the condition that the borrower has not previously accessed the offer or has accessed only a specified number of times within the previous month, or that only a specified time, such as one year, has passed since the borrower&#39;s initial registration with the system  100 . 
     Providing the borrower and lender identification also provides the ability for the offer web page, if desired, to display welcoming information directed to the specific borrower or to provide promotional information relating to the lender who originally referred the borrower to the system. The web page may suitably present information about possible uses of the borrower&#39;s personal information. For example, the web page may state that the borrower&#39;s personal information will be used in order to mail a coupon which is part of the offer. In addition, the web page may request consent for continued storage of the borrower&#39;s personal information and its use for marketing efforts directed toward the borrower. 
     At step  362 , appropriate actions are taken in response to borrower inputs, such as displaying online forms for information entry and accepting and processing the information provided using these forms, displaying online coupons, or other appropriate actions are taken in response to a selection by the borrower. The borrower typically makes such selections in choosing and accepting an offer. Selections may include entering information in a form and submitting the form, choosing to allow or reject the storage and use of the borrower&#39;s personal information or responses to other requests and information presented by the web page. At step  364 , in response to a borrower action, for example closing an Internet browser window used to display the offer information, display of the offer is terminated. Steps  360 - 364  may be carried out as needed in response to commands. At step  366 , in response to the borrower&#39;s selection to update the profile, an update web page is presented containing data fields containing the registration information previously submitted, as well as a “submit” link which the borrower can click to submit the updated information, and “return” link which the buyer can click to abort the update process and return to the welcome web page. Some of the data fields may be editable in order to furnish corrected or updated information, while some of the data fields may contain unchangeable information such as the lender identification and password. The borrower is free to edit the editable data fields as desired and click either the “submit” link or the “return” link. If the borrower clicks the “return” link, the process returns to step  358 . If the borrower clicks the “submit” link, the process proceeds to step  368  and the borrower information entered in the data fields is stored. The process then returns to step  358 . At step  370 , in response to a borrower selection such as logout or closing of a browser window used to make the initial connection to the system, the process terminates. 
       FIG. 4A  illustrates an exemplary initial entry web page  400  which may suitably be produced by performing step  204  of the process  200 . The entry web page  400  employs an Internet browser  402  to display an Internet web page  404  which may be navigated to by the URL  406 . The entire web page  404  is not visible at one time, but desired portions may be displayed by scrolling up and down and additional portions of the web page  404  are illustrated in  FIG. 4B . 
       FIG. 4B  illustrates the browser  402  displaying a further portion of the web page  404 , including a first hypertext link  408  allowing a user to view available offers, as well as second and third hypertext links  410 A and  410 B, selection of which connects to another web page which allows the user to perform initial registration or login following a previous registration.  FIG. 4B  also illustrates descriptions of various available offers, including hypertext links  412 A- 412 D. Clicking on the hypertext links  412 A- 412 D does not provide access to the offers described, but instead connects to the same login web page to which a user may navigate by clicking one of the links  410 A or  410 B. The web page  404  can be scrolled further down to display additional offer descriptions and links, not illustrated here in order to avoid redundancy. 
       FIG. 5  illustrates the browser  402  displaying a web page  502  for allowing a borrower to choose initial registration or login after initial registration. The web page  502  includes a borrower identification field  504 , a borrower password field  506 , and a login information submission link  508 . The web page  502  further includes a lender identification field  510 , a lender password field  512  and a lender information submission link  514 . Submitting the proper information in the correct fields and selecting the associated link submits the information for authentication. If the borrower has forgotten his login information, he can click on the “forgot username or password” link  515  in order to retrieve this information. 
       FIG. 6A  illustrates the browser  402  displaying a web page  602 , reached upon proper submission of lender identification information and an associated lender password. The web page  602  includes data entry fields  604 - 626  for entering a chosen username and password as well as personal information. 
       FIG. 6B  illustrates the browser  402  displaying the web page  602  after the web page  602  has been scrolled down to reveal additional elements. Data entry fields  616 - 626  are visible, as well as the additional data entry fields  628  and  630 , for entering a password reminder question and answer, respectively. The web page  602  also includes a registration information submission link  632 , which can be clicked by the borrower to submit the registration information. 
       FIG. 7  illustrates the browser  402  displaying a web page  702 , after the borrower has submitted registration information by clicking the link  632 . The selected username  704  and password  706  are displayed, as well as a “continue” link  708 . 
       FIG. 8A  illustrates the browser  402  displaying a web page  802  displayed after the borrower has clicked the “continue” link  708 . The web page  802  includes a privacy policy describing rules and guarantees relating to collection of borrower information and its use in the system. The remainder of the privacy policy, and mechanisms for accepting or rejecting the privacy policy, are illustrated in  FIG. 8B  and discussed below. 
       FIG. 8B  illustrates the browser  402  displaying the web page  802 , which has been scrolled down to reveal the remainder of the privacy policy, as well as a checkbox  804  for declining notices or other communication, as well as an “accept” link  806  and a “decline” link  808  for accepting or rejecting the privacy policy. For purposes of illustration, the “decline” link  808  has been clicked to reveal a message box  810  explaining that the borrower has declined participation in the program by declining the privacy policy, and that the borrower will be eligible to participate if the borrower closes the message box  810  and clicks the “accept” link  808  to accept the privacy policy. If the borrower clicks the “click to close” link  812 , the message box  810  will disappear and the buyer will be free to accept the privacy policy by clicking the “accept” link  806 . 
       FIG. 9A  illustrates the browser  402  displaying a login web page  902 . The web page  902  is connected to and displayed after the borrower has clicked the link indicating acceptance of the privacy policy or has performed a new login subsequent to initial registration, using the username and password selected during registration. The web page  902  displays the borrower&#39;s name  904 , username  906 , and date of expiration of program membership  908 , as well as a hypertext link  910  which can be selected in order to revise or update borrower information. The web page  902  also includes descriptions of, and hyperlinks for accessing, a number of special offers. Additional portions of the web page  902  can be seen in  FIG. 9B  below. 
       FIG. 9B  illustrates the browser  402  displaying the web page  902  after the web page  902  has been scrolled down. Visible here are instructions for accessing offers, as well as hypertext links  912 - 922 . Each of the links  912 - 922  is accompanied by promotional material describing the offer. The web page  902  includes additional offer descriptions and links, but these are not shown here in order to avoid redundancy. 
       FIG. 10A  illustrates a new browser window  1002 , displaying a web page  1004 , reached when a borrower clicked on the link  912  shown in  FIG. 9B . The web page is reached by providing the URL  1006  to the browser  1002 . 
     It will be recognized that the URL includes the personal information provided during registration for the system  100 . When the borrower clicks on a link to access an offer, the registration information is submitted to the vendor providing the offer. It will also be recognized that the URL  1006  includes the lender identifier provided at registration. Providing this information lets the vendor providing the offer know which lender introduced the borrower to the system. The vendor can use this information in developing relationships with lenders and their customers. For example, if many borrowers taking advantage of an offer were introduced by a particular lender, the vendor making that offer may find it advantageous to develop special marketing programs directed to borrowers from that lender. In addition, the vendor may collect and store personal information relating to borrowers who consent to this collection and storage by the vendor. As noted above, a consumer&#39;s use of the system  100  tends to identify him or her as a particularly desirable consumer for vendors who market products or services for consumers in his or her category, such as relocating consumers. The vendor&#39;s collection and storage of personal information relating to such consumers provides the vendor with a personal information database for a group of highly desirable consumers. This information may be used to develop mailing lists, for example, or for other marketing efforts targeting consumers for which personal information has been stored. 
     The web page  1004  allows the borrower to order a discount coupon by submitting an order form  1008 . The order form  1008  is filled out using the registration information originally provided by the borrower and contained in the URL  1006 , but the borrower is able to change the information contained in the order form  1008  as desired before submission. 
       FIG. 10B  illustrates the web page  1004  after the web page  1004  has been scrolled down. Additional instructions and explanatory material can be seen, as well as a check box  1010  allowing the borrower to choose whether or not to receive promotional material from the vendor, and a hypertext link  1012  allowing the borrower to submit the form  1008 . 
       FIGS. 11A-11C  show the browser  1002  displaying a web page  1102  reached after the borrower has clicked the link  1012 . The web page  1102  displays various welcome and promotional messages, as well as a set of links  1104 - 1114  to allow the borrower to obtain further information or take further action. 
     Because each borrower can be identified with the lender who introduced him or her to the system, the set of offers to be presented can be designed so as to operate differently for customers of different lenders, in order to meet the needs of the lender. For example, in the system  100  of  FIG. 1 , the lender  110 B may offer its borrowers a package of products or services and may not wish to provide offers for competing products or services to its borrowers. To take another example, the lender  110 D may choose to subsidize an offer for its customers and may therefore desire that such an offer be provided only to borrowers who registered using the lender identifier provided by lender  110 D. By arrangement with the service provider  104 , the lender  110 B can direct that borrowers who registered using its lender identifier be provided with an abbreviated set of offers, in order to avoid competing with goods or services offered by the lender  110 B and the lender  110 D can direct that borrowers who registered using the lender identifier provided by lender  110 D will be provided with an offer not available to other borrowers. Selections of the offers which are to be made available and limitations or restrictions on which offers are going to be made available are typically the result of agreements between the service provider  104  and a lender such as the lender  110 B or  110 D. The individual lenders do not have exclusive power to control or change which offers will be made available to its borrowers. 
       FIG. 12  illustrates a browser  1202  displaying a web page  1204 , reached upon connecting to the server  102  using a hyperlink provided by a computer maintained by a lender who wishes to present a limited selection of offers. The web page  1204  displays a lender logo  1206  and a set of offers  1208 - 1212 . The set of offers  1208 - 1212  is abbreviated compared, for example, to the set of offers displayed on the web page  802  above. When a borrower registers using a lender identifier previously provided by the lender who selected the offers to be presented, or logs in with a username and password generated upon registration using the lender identifier provided by the lender  110 B, a login web page will be presented similar to the login web page  802 , except that the web page  1204  will includes only the offers  1208 - 1212 . 
     While the present invention is disclosed in the context of aspects of an embodiment employing a specific system and exemplary web pages, it will be recognized that a wide variety of implementations may be employed by persons of ordinary skill in the art consistent with the above discussion and the claims which follow below.