Patent ID: 7953663

Claim:
A system for offering financial instruments to pre-qualified consumers, comprising: a receiving unit configured on hardware to receive information associated with a consumer who is a customer of at least one of a financial institution and an entity associated with the financial institution, each consumer having a unique identifier, the consumer information being received prior to a consumer contact; a first interface unit configured on hardware to interface with the receiving unit for receiving the consumer information and further configured to communicate at least some of the consumer information to portions of the system; and a second interface unit in communication with the system configured on hardware to communicate at least some consumer information and to receive pre-qualification data from at least one third party, the second interface unit further configured to periodically request data for requalification of the consumer prior to a consumer contact to reduce a likelihood of offering a financial instrument for which a consumer is no longer qualified; wherein the pre-qualification data relates to at least one financial instrument associated with the financial institution that the consumer is qualified to be offered based on information stored in a pre-qualified consumer database that is accessed by the third party upon receipt of the consumer information from the system, wherein the pre-qualification database comprises a plurality of first consumer files, each first consumer files linked to a unique consumer identifier that can be identified based upon the received consumer information from the system, where the first consumer files comprise at least one pre-qualified financial instrument associated with the financial institution, and wherein the pre-qualification data further relates to a determination of whether a consumer identifier associated with the consumer is contained in a suppression database, wherein the suppression database comprises a plurality of second consumer files, each of the second consumer files linked to a unique consumer identifier, wherein the second consumer files comprise suppression information relating to a determination that the consumer associated with the second consumer file is no longer qualified to be offered one or more of the pre-qualified financial instruments stored in the first consumer file; a data processor in communication with at least the first interface and the second interface for processing at least some of the consumer information, the pre-qualification data and the re-qualification data; and a third interface configured on hardware to receive the consumer contact and to offer the consumer the financial instrument for which he or she is pre-qualified, if the received pre-qualification data from the third party indicates that the consumer is pre-qualified for a financial instrument.