Patent ID: 8533030

Claim:
A computer-implemented method for processing applications for products or services based on solicited offers made to consumers, comprising: communicating, using a computer, a plurality of offers to a plurality of consumer recipients, each offer being identified by a solicitation identifier and an offer identifier; storing offer information of said offers in an offer database that further includes consumer identification information associated with the consumer recipients; receiving a response to a specific offer from a specific consumer recipient at a VRU via a communication link with the specific consumer recipient; receiving at least some offer identification data and consumer identification data from the specific consumer recipient at the VRU, wherein the consumer identification data is received from a communication device identified with a telephone number and wherein the consumer identification data comprises the address of the specific consumer recipient; identifying the telephone number using automatic number identification (ANI); identifying a location of the specific consumer recipient based on the identified telephone number; using data received at the VRU to query the offer database to identify other offers targeted to the specific consumer recipient and data associated with those other targeted offers, including consumer identity verification data; verifying the identity of the specific consumer recipient based on the consumer identification data and the consumer identity verification data comprising verifying the address based on the identified location; transferring the communication link from the VRU to a live agent; and providing the live agent with: (a) information received from the specific consumer at the VRU, and (b) data from the query of the offer database including data regarding other targeted offers prior to the live agent commencing communication with the consumer.