Patent ID: 8165962

Claim:
A computer implemented method for offering financial instruments to pre-qualified consumers, comprising: prior to a consumer contact, receiving from a database information related to personal identification information associated with the consumer; a programmable processor inquiring from a third party whether the consumer has been pre-qualified for at least one financial instrument based on the personal identification; receiving pre-qualification data from the third party, wherein the pre-qualification data comprises a determination of whether a consumer identifier associated with the consumer is contained in a suppression database indicating that the consumer should not be offered one or more of the pre-qualified financial instruments; receiving an inquiry from the consumer for offers for a desired pre-qualified financial instrument; the programmable processor offering the consumer the desired pre-qualified financial instrument if the received pre-qualification data from the third party indicates that the consumer is pre-qualified for the desired pre-qualified financial instrument; and wherein standards for the consumer pre-qualification are set by the financial institution.