Patent ID: 8458062

Claim:
A computer implemented method for providing real time credit card matching, comprising: storing one or more financial product data records associated with one or more credit cards, each financial product data record being associated with a respective credit card and indicating one or more credit card features associated with the respective credit card; receiving an indication of customer preferences with respect to credit card features and a self-assessed credit rating of the customer; generating, by one or more computer processors, a multi-dimensional answer vector for the customer based on the indication of customer preferences; assigning a weight corresponding to each credit card feature for each respective credit card based on the financial product data records; generating, by the one or more computer processors, a multi-dimensional weight vector for each of the one or more credit cards based on the assigned weights; calculating, a scalar product for at least one of the one or more credit cards based on the multi-dimensional weight vector and the multi-dimensional answer vector; assigning a score to the one or more credit cards using the scalar product; matching the customer with one or more credit cards based on the assigned score and the self-assessed credit rating of the customer; and displaying an offer to apply for the matched one or more credit cards to the customer.