Patent ID: 8359264

Claim:
A system comprising: a processor; a data storage device storing (i) a filter, and (ii) a database regarding a plurality of loan-providers; an Internet connection to receive data transmitted to the system over the Internet and to transmit data from the system over the Internet, wherein the data received at the Internet connection includes (i) a loan-application comprising application-data from a loan-applicant, and (ii) a credit report based on at least a portion of the application-data; and a logic engine, executed using the processor, to (i) process the application-data to determine whether or not the application-data passes the filter, (ii) request, using the Internet connection, the credit report if the application data passes the filter, and (iii) determine which of the loan-providers, if any, match the loan-applicant by determining that data regarding the loan-applicant meets or exceeds minimum data criteria set for each loan-provider, wherein, if the application-data from the loan-applicant does not pass the filter or if the application-data from the loan-applicant passes the filter but the loan-applicant does not match any of the loan-providers, then the logic engine outputs a notification that indicates the loan-application is rejected, wherein, if the application-data from the loan-applicant passes the filter and the loan-applicant matches a number of loan-providers that is greater than a given number of loan-providers, then the logic engine prioritizes the loan-providers that match the loan-applicant and selects, from among the prioritized loan-providers that match the loan-applicant, the given number of loan-providers with greatest priority, wherein the given number of loan-providers is greater than or equal to two, wherein, if the application-data from the loan-applicant passes the filter and the loan-applicant matches a number of loan-providers that is greater than zero and less than or equal to the given number of loan-providers, then the logic engine prioritizes the loan-providers that match the loan-applicant, wherein, if the application-data from the loan-applicant passes the filter and the loan-applicant matches one or more loan-providers, then the logic engine causes the Internet connection to transmit a first query to a first loan-provider to request a loan for the loan-applicant, wherein the first loan-provider to which the first query is transmitted is the only loan-provider that matched the loan-applicant or the loan-provider determined to have a greatest priority, wherein the logic engine makes a determination as to whether the first loan-provider offers a loan to the loan-applicant, and wherein the logic engine prioritizes the loan-providers based on a respective customer satisfaction index (CSI) score associated with each of the loan-providers.