Patent ID: 8239304

Claim:
A computer implemented method for offering one or more targeted products with pre-approved credit to a consumer wherein the method is executed by a programmed computer processor, the computer implemented method comprising the steps of: analyzing, by a computer processor, consumer information for determining one or more targeted products specific to the consumer using the programmed computer processor, wherein the consumer information comprises one or more of consumer related profile data, transaction data and spending habit data; examining, by the computer processor, credit history data related to the consumer for determining a credit instrument specific to the one or more targeted products; pre-approving, by the computer processor, the credit instrument for the one or more targeted products; and offering, by the computer processor, the consumer the one or more targeted products with the pre-approved credit instrument; wherein the pre-approved credit instrument is provided for financing the one or more targeted products, wherein the offering of the one or more targeted products with the pre-approved credit instrument is performed independent of consumer input and is performed prior to the consumer entering into a transaction for the one or more targeted products.