Patent ID: 8799163

Claim:
A computer implemented method for a third party to offer financial instruments to pre-qualified consumers, comprising: at least one computer processor at the third party, independent of a request by a consumer, retrieving financial information related to the consumer from at least one source of financial information; prior to the consumer conducting a transaction with a business partner of at least one of the financial institutions the at least one computer processor at the third party pre-qualifying the consumer for financial instruments offered by a plurality of financial institutions based on the retrieved financial information wherein standards for the pre-qualification for each financial instrument are set by the sponsoring financial institution; the at least one computer processor at the third party indexing the retrieved financial information and pre-qualification information indexed using a unique identifier that is assigned to the consumer and storing the indexed financial information and pre-qualification data in a database; the at least one computer processor at the third party receiving, from the business partner with which the consumer has conducted a transaction, consumer identification information that was collected from the consumer, the consumer identification information including a received unique consumer identifier, wherein the business partner is not one of the plurality of financial institutions; the at least one computer processor at the third party retrieving, from the database, retrieved financial information and pre-qualification information for the consumer using the received unique identifier; the at least one computer processor at the third party determining that the consumer is not identified in a suppression database that comprises identifying information for consumers that are no longer qualified for the financial instrument for which the consumer is pre-qualified; and the at least one computer, processor at the third party offering the financial instrument for which the consumer is pre-qualified to the consumer.