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 be 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 be dropped from further NPA processing, as such prospects are either unprofitable or do not meet a transactional account company's standards for credit.

1 - 19 . (canceled) 
     
     
         20 . A method comprising:
 receiving, over an encrypted channel, by a computer system, a marketable consumers list that includes marketing information for a plurality of consumers;   based on the receiving, storing, by the computer system, the marketable consumers list in a memory storage device associated with the computer system;   based on information indicating that a first portion of the marketable consumers list meets a first criterion, the computer system filtering the first portion from a remaining portion of the marketable consumers list;   subsequent to the filtering, the computer system transmitting to a particular one of the plurality of consumers included in the first portion of the marketable consumers list a pre-approved offer for a financial transaction instrument;   subsequent to the transmitting, the computer system receiving a request to approve a particular offer; and   based on request information indicating that the request was issued in response to the pre-approved offer, the computer system approving the request.   
     
     
         21 . The method of  claim 20 , wherein the marketable consumers list does not include any consumer that has a credit rating below a predetermined threshold. 
     
     
         22 . The method of  claim 20 , wherein the particular offer is a credit offer. 
     
     
         23 . The method of  claim 20 , further comprising:
 the computer system using an interface to implement the encrypted channel such that the encrypted channel corresponds to a cable communications protocol, a wireless communications protocol, or a radio frequency communications protocol.   
     
     
         24 . The method of  claim 20 , wherein the first criterion includes a threshold profitability requirement of an issuer of the financial transaction instrument for a future profit predicted for using the financial transaction instrument by a given consumer. 
     
     
         25 . The method of  claim 20 , further comprising:
 prior to the filtering, the computer system removing, from the marketable consumers list, at least one of the plurality of consumers that fails to meet a threshold credit qualification requirement.   
     
     
         26 . The method of  claim 20 , further comprising:
 comparing, by the computer system, the first portion of the marketable consumers list to a list of consumers who are ineligible for pre-approved offers for financial transaction instruments; and   based on a result of the comparing, determining, by the computer system, that the particular one of the plurality of consumers is eligible for the pre-approved offer for the financial transaction instrument.   
     
     
         27 . The method of  claim 20 , further comprising:
 prior to the receiving, the computer system transmitting to one or more electronic devices a threshold credit score requirement, wherein the computer system receives the marketable consumers list in response to transmitting of the threshold credit score requirement.   
     
     
         28 . The method of  claim 20 , wherein the computer system includes a communications interface that includes: a network interface, a communications port, a Personal Computer Memory Card International Association (PCMCIA) slot, or a PCMCIA card. 
     
     
         29 . The method of  claim 20 , wherein approving the request further comprises the computer system approving an upgrade of the financial transaction instrument for the particular consumer. 
     
     
         30 . A system comprising:
 a communications interface;   a processor, and   a non-transitory memory configured to communicate with the processor, the non-transitory memory having instructions stored thereon that are executable by the processor to cause the system to perform operations comprising:   receiving, over an encrypted channel, a marketable consumers list that includes marketing information for a plurality of consumers;   based on the receiving, storing the marketable consumers list in a different non-transitory memory that is included in the system;   applying a filter to the stored marketable consumers list, wherein the filter corresponds to a threshold requirement;   based on applying the filter, transmitting to a particular one of the plurality of consumers a pre-approved offer for a financial transaction instrument; and   subsequent to the transmitting, determining that the particular consumer has accepted the pre-approved offer for the financial transaction instrument.   
     
     
         31 . The system of  claim 30 , wherein the operations further comprise:
 based on applying the filter, dividing the marketable consumers list into a first portion and a second portion; and   withholding, from consumers included in the second portion of the marketable consumers list, the pre-approved offer for the financial transaction instrument.   
     
     
         32 . The system of  claim 30 , wherein the non-transitory memory includes a removable storage unit. 
     
     
         33 . The system of  claim 30 , wherein the operations further comprise:
 based on applying the filter, dividing the marketable consumers list into a first portion and a second portion; and   applying a different filter to the first portion, wherein the different filter includes a requirement for a future profit generated by a given consumer for an issuer of the financial transaction instrument.   
     
     
         34 . The system of  claim 30 , wherein the operations further comprise:
 based on applying the filter, determining that a particular portion of the marketable consumers list does not meet the threshold requirement; and   in response to the determining, updating the marketable consumers list by removing the particular portion such that an updated marketable consumers list includes the particular consumer.   
     
     
         35 . An article of manufacture including a non-transitory computer readable medium having instructions stored thereon that are executable by a computer system to cause the computer system to perform operations comprising:
 receiving, over an encrypted channel, a marketable consumers list that includes marketing information for a plurality of consumers;   based on the receiving, storing the marketable consumers list in a data storage unit included in the computer system;   applying a filter to the stored marketable consumers list, wherein the filter corresponds to a threshold requirement;   based on applying the filter, transmitting to a particular one of the plurality of consumers a pre-approved offer for a financial transaction instrument; and   subsequent to the transmitting, determining that the particular consumer has accepted the pre-approved offer for the financial transaction instrument.   
     
     
         36 . The article of manufacture of  claim 35 , wherein the operations further comprise:
 based on the determining, causing the financial transaction instrument to be issued to the particular consumer, wherein the financial transaction instrument issued includes at least one of: a credit card, a charge card, a debit card, a pre-paid card, or a stored-value card.   
     
     
         37 . The article of manufacture of  claim 35 , wherein in applying the filter, the operations further comprise:
 comparing a credit eligibility of the particular consumer to a threshold credit eligibility; and   based on a result of the comparing indicating that the credit eligibility does not correspond to the threshold credit eligibility, using the marketable consumers list to generate a pre-approved consumers list that includes the particular consumer.   
     
     
         38 . The article of manufacture of  claim 35 , wherein the operations further comprise:
 prior to the receiving, transmitting to one or more electronic devices a request to search for consumers that have opted out of credit reporting; and   in response to the request to search, receiving a different marketable consumers list that includes at least one consumer who has opted out of credit reporting.   
     
     
         39 . The article of manufacture of  claim 35 , wherein the operations further comprise:
 matching a consumer name on a pre-approved list with a consumer name on the marketable consumers list; and   based on the matching, determining that the particular consumer was not previously denied the pre-approved offer for the financial transaction instrument.