Patent ID: 8489497

Claim:
An automated method of facilitating credit decision in an online credit card application, comprising the steps of: a partner of a credit card issuer receiving an online purchase for at least one of a good and a service from a customer made using an online-accessible device; using the online-accessible device, the partner querying whether the customer is interested in applying for a credit card from the credit card issuer; the partner retrieving, from at least one computer database, partner-supplied data associated with the customer, including at least one of customer past transaction data with the partner and customer background data; the partner transmitting the partner-supplied data to the credit card issuer; the credit card issuer retrieving credit history data associated with the customer from a credit bureau; using the online-accessible device, the credit card issuer presenting interactive questions to the customer to receive additional customer data from the customer; and using a computer processor, the credit card issuer deciding whether to approve the customer for the credit card based on at least one of the partner-supplied data, the credit bureau-supplied credit history, and the additional customer data.