Non pre-approved channel filtering for card acquisition
View Patent ↗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. A method comprising:
associating, by a computer based system for generating a contact list, consumer information on a first offeree list with consumer information on a marketable consumers list to obtain a matched consumer, 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
removing, by the computer based system, the matched consumer from the first offeree list to produce a second offeree list.
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 offeree list by identifying consumers having credit history, consumers having no credit history, and consumers who have opted out of credit bureau reporting.
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 , wherein the associating comprises matching a consumer name on the first offeree list with a consumer name on the marketable consumers list.
7. The method of claim 1 , wherein the associating comprises matching a consumer address on the first offeree list with a consumer address on the marketable consumers list.
8. The method of claim 1 , wherein the removing comprises removing consumers from the first 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 second offeree list.
10. A system comprising:
a processor generating a contact list,
a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to be capable of performing operations comprising:
associating, by the processor, consumer information on a first offeree list with consumer information on a marketable consumers list to obtain a matched consumer, 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
removing, by the processor, the matched consumer from the first offeree list to produce a second offeree list.
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 generating a first offeree list by identifying consumers having credit history, consumers having no credit history, and consumers who have opted out of credit bureau reporting.
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 , wherein the associating comprises at least one of matching a consumer name on the first offeree list with a consumer name on the marketable consumers list and matching a consumer address on the first offeree list with a consumer address on the marketable consumers list.
16. The system of claim 10 , wherein the removing comprises removing consumers from the first offeree list, except consumers having no credit history and consumers who have opted out of credit bureau reporting.
17. The system of claim 10 , further comprising transmitting a non-pre-approved offer to each consumer on the second offeree list.
18. 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:
associating, by the computer based system, consumer information on a first offeree list with consumer information on a marketable consumers list to obtain a matched consumer, 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
removing, by the computer based system, the matched consumer from the first offeree list to produce a second offeree list.