Patent ID: 8556165

Claim:
A method of enabling teller presentation of a pre-approved credit offer, the method comprising: initiating a first banking transaction, wherein the first banking transaction involves a customer and a teller at a financial institution, wherein the first banking transaction is not a request for a loan, and wherein initiating the first banking transaction comprises: receiving a first information from the customer for the first banking transaction; receiving, at a credit offer server that is internal to the financial institution, an indication of the first banking transaction involving the customer and the teller; initiating, by the credit offer server that is internal to the financial institution, a second banking transaction based at least partially on the indication of the first banking transaction, wherein the second banking transaction involves at least a portion of the first information from the customer and at least the credit offer server, wherein initiating, by the credit offer server, the second banking transaction comprises: applying pre-decision exclusion criteria to the portion of the first information from the customer, wherein the pre-decision exclusion criteria relates to one or more business exclusion rules that when satisfied by the portion of the first information automatically triggers the credit offer server to provide said first portion of the first information to a credit opportunity server that is external to the financial institution; using, at the credit offer server, the portion of the first information from the customer to thereby generate a second information; providing the second information to the credit opportunity server that is external to the financial institution based at least partially on determining that the portion of the first information from the customer satisfies the pre-decision exclusion criteria; receiving, at the financial institution from the credit opportunity server, one or more pre-approved credit offers based at least partially on a comparison of the second information to stored information, at the credit opportunity server, relating to a plurality of loans and the second information satisfying minimum criteria for eligibility for one or more of the plurality of loan products; and presenting to the customer the one or more pre-approved credit offers.