| 摘要 |
<p>An on-line computerized system that operates in real-time to process applications for products and services offered by a financial institution. The system automates the credit and liability review and approval process, performs background credit worthiness evaluations based on applicant's (10) credit score (28), financial information and new or existing relationship with the financial institution (52), recommends to those applicants (10) that exceed the initial criteria for credit consideration specific credit products with predetermined credit qualified offer amounts. The system immediately analyzes an applicant's (10) credit bureau history (30, 32, 34) and automated credit scoring (28), and provides these results to the LBR (12). The system can supply applicants with up-front conditional approval (based on systematic evaluation of credit bureau history, credit score, debt burden, and applicant's new or existing relationship deposits), subject to required verifications. The invention can also identify and communicate to the LBR (12) other services/products which the applicant may be credit worthy but has not requested. The LBR (12) can then offer a package of products, enhancements (tier pricing) and services to the applicant rather than simply the one requested. For those applicants (10) that exceed credit criteria, the system recommends specific credit products with predetermined credit qualified offer amounts. Processing may be interrupted and continued for the same applicant at a later point with the same or different LBR (12).</p> |
