Patent ID: 8799148

Claim:
A method of determining prescreened credit card offers, the method comprising: receiving, by a ranking computing device, information regarding a borrower; determining, by the ranking computing device, a plurality of prescreened credit card offers associated with the borrower; receiving, from a third-party computing device operated by an entity controlling operations of a commercial website, entity-specific ranking criteria indicating one or more attributes for determining a ranking order of prescreened credit card offers presented to borrowers visiting the commercial website, the entity-specific ranking criteria including criteria for one or more attributes selected from the group comprising a bounty, a click-through rate or a conversion rate, wherein the entity-specific criteria are defined by a representative of the entity; calculating, by the ranking computing device, a plurality of expected monetary values of respective prescreened credit card offers, wherein the expected monetary values are based on at least one of the bounty, the click-through rate or the conversion rate of the respective credit card offer as indicated in the entity-specific ranking criteria ranking, by the ranking computing device, the plurality of prescreened credit card offers based on the calculated expected monetary values; determining a plurality of future ranking values of respective prescreened credit card offers indicating probable future rankings of the respective prescreened credit card offers after at least one of the plurality of prescreened credit card offers is presented to one or more additional borrowers, wherein the future ranking values are based on at least trending data of the respective prescreened credit card offers; adjusting the ranking based at least in part on the determined future ranking values of respective prescreened credit card offers; and transmitting, by the ranking computing device, a data file to the third-party computing device, the data file comprising an identifier of a prescreened credit card offer in the plurality of prescreened credit card offers that is ranked highest by the adjusted ranking.