Non pre-approved channel filtering for card acquisition

Abstract

Information can be shared across a pre-approved (PA) channel and a non pre-approved (NPA) channel to reduce unnecessary offers of a transactional instrument or transactional instrument upgrade to prospects. All prospects listed in the NPA channel that have been evaluated in the PA channel may he removed from a NPA offeree list. This may be done by matching the NPA prospect list with a list of prospects who have been evaluated in the PA channel. The list of prospects evaluated in the PA channel may include, for example, prospects who were pre-approved for an offer as well as prospects who were considered for a pre-approved offer but who were denied the offer. Prospects in the NPA channel that are removed from the NPA offer list may he dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.

What is claimed is: 
     
         1 . A method comprising:
 determining, by a computer based system for generating a contact list, that consumer information is on a marketable consumers list, wherein the marketable consumers list identifies consumer information that has been processed through a pre-approval process and an indication that a consumer associated with the consumer information on the marketable consumers list was previously denied a pre-approved offer; and   producing, by the computer based system, an offeree list that includes at least a portion of the consumer information.   
     
     
         2 . The method of  claim 1 . wherein the marketable consumers list includes the consumer information for consumers who were previously denied a pre-approved offer by not meeting first credit criteria specified by an offeror. 
     
     
         3 . The method of  claim 1 , wherein the marketable consumers list includes the consumer information for consumers who were previously denied a pre-approved offer by meeting first credit criteria specified by an offeror, but who were not extended an offer for credit. 
     
     
         4 . The method of  claim 1 , further comprising generating a first list by identifying consumers having credit history, consumers having no credit history, and consumers who have opted out of credit bureau reporting, and producing the offeree list from the first list. 
     
     
         5 . The method of  claim 1 , wherein the marketable consumers list contains consumers having credit bureau history, but excludes consumers who have opted out of sharing their information. 
     
     
         6 . The method of  claim 1 , further comprising matching a consumer name on a first list with a consumer name on the marketable consumers list. 
     
     
         7 . The method of  claim 1 , further comprising matching a consumer address on a first list with a consumer address on the marketable consumers list. 
     
     
         8 . The method of  claim 1 , further comprising removing consumers from a first list to the offeree list, except consumers having no credit history and consumers who have opted out of credit bureau reporting. 
     
     
         9 . The method of  claim 1 , further comprising transmitting a non-pre-approved offer to each consumer on the offeree list. 
     
     
         10 . A system comprising:
 a processor for generating a contact list;   a tangible, non-transitory memory configured to communicate with the processor;   a determination module in communication with the processor, wherein the determination module is configured to determine that consumer information is on a marketable consumers list, wherein the marketable consumers list identifies consumer information that has been processed through a pre-approval process and an indication that a consumer associated with the consumer information on the marketable consumers list was previously denied a pre-approved offer; and   a production module in communication with the processor, wherein the production module is configured to produce an offeree list that includes at least a portion of the consumer information.   
     
     
         11 . The system of  claim 10 , wherein the marketable consumers list includes the consumer information for consumers who were previously denied a pre-approved offer by not meeting first credit criteria specified by an offeror. 
     
     
         12 . The system of  claim 10 , wherein the marketable consumers list includes the consumer information for consumers who were previously denied a pre-approved offer by meeting first credit criteria specified by an offeror, but who were not extended an offer for credit. 
     
     
         13 . The system of  claim 10 , further comprising a generation module configured to generate a first list by identifying consumers having credit history, consumers having no credit history, and consumers who have opted out of credit bureau reporting, and wherein the generation module is further configured to configured to produce the offeree list from the first list. 
     
     
         14 . The system of  claim 10 , wherein the marketable consumers list contains consumers having credit bureau history, but excludes consumers who have opted out of sharing their information. 
     
     
         15 . The system of  claim 10 , further comprising a matching module configured to match a consumer name on a first list with a consumer name on the marketable consumers list. 
     
     
         16 . The system of  claim 10 , further comprising a matching module configured to match a consumer address on a first list with a consumer address on the marketable consumers list. 
     
     
         17 . The system of  claim 10 , further comprising a removing module configured to remove consumers from a first list to the offeree list, except consumers having no credit history and consumers who have opted out of credit bureau reporting. 
     
     
         18 . The system of  claim 10 , further comprising a transmitting module configured to transmit a non-pre-approved offer to each consumer on the offeree 
     
     
         19 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for generating a contact list, cause the computer-based system to be capable of performing operations comprising:
 determining, by the computer based system., that consumer information is on a marketable consumers list, wherein the marketable consumers list identifies consumer information that has been processed through a pre-approval process and an indication that a consumer associated with the consumer information on the marketable consumers list was previously denied. a pre-approved offer; and   producing, by the computer based system, an offeree list that includes at least a portion of the consumer information.