CONDITIONAL TRANSACTION OFFER SYSTEM AND METHOD

摘要

The present invention involves a system and method for coordinating the centralization of the submission of requests for offers for credit and receipt of offers for credit between an internet user and a plurality of lending institutions via the internet. This method involves the use of a single offer request form, which is the combination of required lender information from consumer credit processes, and the receipt of information from the user, and various semi-automated online processes, to populate that single offer request form. After receiving this data, a special computer, or server, sorts the information and applies a filter to the data. The filter prepares that information for submission to lending institutions so that the lending institution may process the information and make a decision as to whether to offer the internet user credit. Once the data has been filtered, it is transmitted to a multiple number of lending institutions, or alternatively evaluated using a model of the lending institutions criteria. The method then allows for the lending institutions to submit responses on the information submitted back to the user and for those responses to be controlled and coordinated and displayed on an online account specific to the internet user via the internet.

主权项

1. A server for coordinating multiple vendor requests from a single user, said server comprising:
a processor and associated memory, a network communications system associated with said processor and memory, a user interaction module adapted to obtain user information and store user information, including a User Authorization module for storing of user authentication and user affirmation, a vendor interaction module adapted to obtain vendor information requirements and fulfill vendor information requirements from the stored user information, and a decision module adapted to apply vendor information requirements and user information, the decision module adapted to communicate acceptance of user compliance with vendor information requirements.