Patent ID: 7310617

Claim:
An electronic method for locating financial card offers, comprising: (a) storing in at least one database financial card data for participating financial institutions, said financial card data comprising terms for at least one financial card offer from each of said participating financial institutions; (b) providing selection criteria associated with said financial card data from each of said participating financial institutions associated with said financial card data from each of said participating financial institutions; (c) prompting a computer user for application data for use in assigning a rating to said computer user to locate financial card offers for said computer user; (d) receiving at a server said application data from said computer user; (e) analyzing said application data provided by said computer user; (f) assigning a rating to said computer user based on said analyzing of said application data; (g) locating financial card offers for said computer user by comparing said rating of said computer user with said selection criteria of said financial card data for said participating financial institutions; and (h) presenting to said computer user for review said financial card offers located for said computer user by comparing said rating of said computer user with said selection criteria of said financial card data for said participating financial institutions.