Jennifer L Song

US Patent:

8412593, Apr 2, 2013

Filed:

Oct 7, 2009

Appl. No.:

12/575404

Inventors:

Jennifer Jungsun Song - Los Angeles CA, US
David C. Cantrell - Stevenson Ranch CA, US

Assignee:

LowerMyBills.com, Inc. - Santa Monica CA

International Classification:

G06Q 30/00

US Classification:

705 271, 705 35

Abstract:

A consumer provides authorization to a card match system to access the consumer's credit file to match the consumer to one or more credit cards. The consumer's credit score is retrieved and then compared to the acceptable credit score range for each of a plurality of credit cards. The consumer is notified of any matches. If one or more matches are found, a prescreened matching of the consumer to one or more credit cards is requested, without authorization from the consumer and without notifying the consumer that the prescreening is being performed. The consumer may then be notified of the matches found by the first comparison that are based on the credit score and of the matches found by the more detailed comparison based on the attributes of the consumer's credit file.