Patent ID: 7778920

Claim:
A computer-implemented method for facilitating a transaction account approval, the method comprising the steps of: providing, by a server of a card provider, a plurality of access codes to a plurality of both prospective customers and existing customers of the card provider, wherein each of the plurality of access codes can not be used to transfer funds via the card provider; receiving a respective access code from a customer of the plurality of prospective customers and existing customers of a card provider at an interface of the card provider; determining whether the customer is a prospective customer or an existing customer based at least in part on the respective access code; providing an offer from a plurality of stored offers to the customer based at least in part on the determining, and wherein a customized offer for the at least one prospective customer and existing customer is based at least in part on the respective access code; and performing at least one of a removal of fields and a population of fields at the interface of the card provider based at least in part on a profile associated with the respective access code.