Patent ID: 8271379

Claim:
A computer-implemented method of offering a customized credit account, the method comprising: presenting, by a computer, a web page to a user providing an option to apply for a baseline offer for a credit account; upon receiving a selection from the user to apply for the baseline offer, requesting by the computer information to check the credit worthiness of the customer; upon receiving a credit worthiness above a predetermined threshold, presenting, by the computer, an option to the user to customize the baseline offer of the credit account; presenting, by the computer, a web page to the user providing the user with an option to select a reward feature; automatically adjusting, by the computer, an annual percentage rate of the credit account based upon the user's selection of the reward feature; presenting, by the computer, a web page to the user providing the user with an option to select an account based service; automatically adjusting, by the computer, the annual percentage rate of the credit account based upon the user's selection of the account based service; and upon completion of customization of the account, issuing, by the computer, a credit account to the user available for immediate use on the internet.