Patent ID: 8762259

Claim:
A computer-based system for real-time processing of credit information of a customer, the system comprising: a network; and a computing system connected to said network, said computing system configured to: receive in real time a request from a customer for an insurance policy; retrieve customer information for identifying the customer; submit the customer information to a network-linked service providing real-time credit prescreens; receive in real time an indicator of customer credit-worthiness from the network-linked service; present in real time to a user interface an unsolicited credit offer for the customer in view of the indicator of customer credit-worthiness, wherein: the unsolicited credit offer is coupled with a suite of products tailored to the customer; and the suite of products includes software for participating in a bank service, received with a computer via Internet-based electronic delivery, wherein said software, when installed, enables the customer to deposit a check remotely using a computer plus a device for capturing a check image; accept acceptance of the unsolicited credit offer; and accept payment for the insurance policy at least in part on credit made available through the accepted unsolicited credit offer.