Patent ID: 8412593

Claim:
A computerized method for providing credit card offers to a consumer, the method comprising: receiving consumer identification information associated with a consumer from an interface; storing the consumer identification information in a computer readable medium; retrieving, by a computing system, a credit score associated with the consumer in response to receiving a consumer request to match the consumer to one or more credit cards; storing the credit score in a computer readable medium; determining one or more prequalified credit card offers for the consumer for one or more credit cards based on the credit score being within acceptable credit score ranges associated with the respective one or more credit cards; in response to determining, by the computing system, that the credit score is within an acceptable credit score range for a threshold quantity of credit cards, automatically performing without notifying the consumer: initiating transmission, by the computing system, of a request for a prescreening of the consumer to a prescreening device, wherein the request includes at least some of the consumer identification information received from the consumer as part of the consumer's request to match the consumer to one or more credit cards, and wherein prescreening of the consumer comprises determining whether the consumer qualifies to receive a firm offer of credit for one or more credit cards; and receiving, by the computing system, indications of any prescreened credit card offers for the consumer from the prescreening device; and generating, by the computing system, a user interface indicating the prequalified credit card offers and the prescreened credit card offers for transmission to a computing device associated with the consumer, wherein each of the prescreened credit card offers comprises a firm offer of credit to the consumer and each of the prequalified credit card offers do not comprise a firm offer of credit to the consumer.