System and method for authenticating a customer for a pre-approved offer of credit

1. A method of providing a personalized advertisement campaign purpose, the method comprising:

identifying at least one customer of a financial institution via at least one cookie associated with the at least one customer;

matching a prospective unique customer identification code with at least one key lifestyle indicator, which describe customer attributes, associated with the at least one customer;

delivering online a pre-advertisement to at least one selected customer that is matched with the key lifestyle indicators;

receiving an authentication of at least one selected customer from the financial institution; and

delivering a financial application form associated with the pre-advertisement to the at least one authenticated customer who accepts the pre-advertisement;

receiving a status of the financial application form from the financial institution associated with the at least one prospective customer; and

upon receiving a status of a complete financial application form by at least one designated customer of the prospective customers, the method further comprises:

receiving a designated unique customer identification code from the financial institution, the designated unique customer identification code being associated with the at least one designated customer;

matching the designated unique customer identification code with the at least one previously-assigned key lifestyle indicator for the customer, which describes the customer's attributes as deduced from financial transaction data of the customer to produce a confirmed unique customer identification code associated with at least one confirmed customer of the designated customers; and

sending the confirmed unique customer identification code to the financial institution.

2. The method of claim 1 , further including:

maintaining a status of anonymity for each customer of the at least one financial institution.

3. The method of claim 1 , wherein delivering online a pre-advertisement to at least one customer of the plurality of customers further includes:

identifying at least one product of a plurality of products based on at least one key lifestyle indicator; and

generating the pre-advertisement for the at least one identified product.

4. The method of claim 1 , further including:

receiving the at least one cookie and the prospective unique customer identification code from the financial institution.

5. The method of claim 1 , wherein receiving the prospective unique customer identification code from the financial institution further includes:

matching the prospective unique customer identification code to the at least one authenticated customer when at least one prospective customer accepts the pre-advertisement.

6. The method of claim 1 , the financial application status being indicative of one of complete, incomplete, and not applied, a status of complete being associated with at least one designated customer of the plurality of prospective customers.

7. The method of claim 6 , wherein receiving a status of a complete financial application form by at least one designated customer of the prospective customers further includes:

upon receiving a status of “not applied”, erasing all information relating to the prospective customer.

8. The method of claim 1 , wherein receiving a status of a complete financial application form by at least one confirmed customer of the prospective customers further includes:

receiving a prospect credit bureau ID from a credit bureau;

matching a prospect credit bureau ID with the confirmed unique customer identification code to produce a confirmed credit bureau ID associated with the at least one confirmed customer;

sending the confirmed bureau ID, the completed application status, and a status of a hard inquiry related to the confirmed credit bureau ID to the credit bureau.

9. A system for providing a personalized advertisement campaign purpose, the system comprising:

at least one database storing at least one of a plurality of products associated with key lifestyle indicators of a plurality of financial institution customers; and

at least one processor programmed to:

identify at least one customer of a financial institution via at least one cookie associated with the at least one customer;

match a prospective unique customer identification code with at least one key lifestyle indicator, which describe customer attributes, associated with the at least one customer;

deliver online a pre-advertisement to at least one selected customer that is matched with the key lifestyle indicators;

receive an authentication of at least one selected customer from the financial institution; and

deliver a financial application form associated with the pre-advertisement to the at least one authenticated customer who accepts the pre-advertisement;

receive a status of the financial application form from the financial institution associated with the at least one prospective customer; and

upon receiving a status indicating that the customer has completed the financial application form:

receive a designated unique customer identification code from the financial institution, the designated unique customer identification code being associated with the at least one designated customer;

match the designated unique customer identification code with the prospective unique customer identification code via at last one previously-assigned key lifestyle indicator for the customer, which describes the customer's attributes as deduced from financial transaction data of the customer to produce a confirmed unique customer identification code associated with at least one confirmed customer of the designated customers; and

send the confirmed unique customer identification code to the financial institution.

10. The system of claim 9 , wherein the at least one processor is further programmed to:

maintain a status of anonymity for each customer of the at least one financial institution.

11. The system of claim 9 , wherein the at least one processor is further programmed to:

identify at least one product of a plurality of products stored in the database based on at least one key lifestyle indicator; and

generate the pre-advertisement for the at least one identified product.

12. The system of claim 9 , wherein the at least one processor is further programmed to:

receive the at least one cookie and the prospective unique customer identification code from the financial institution.

13. The system of claim 9 , wherein the at least one processor is further programmed to:

match the prospective unique customer identification code to the at least one authenticated customer when at least one prospective customer accepts the pre-advertisement.

14. The system of claim 9 , wherein the financial institution status being indicative of one of complete, incomplete, and not applied, a status of complete being associated with at least one designated customer of the plurality of prospective customers.

15. The system of claim 14 , wherein the at least one processor is further programmed to:

upon receiving a status indicating that the customer has not completed the financial application form, erase all information relating to the prospective customer.

16. The system of claim 9 , wherein the at least one processor is further programmed to:

receive a prospect credit bureau ID from a credit bureau;

match the prospect credit bureau ID with the confirmed unique customer identification code to produce a confirmed credit bureau ID associated with the at least one confirmed customer;

send the confirmed bureau ID, the completed application status, and a status of a hard inquiry related to the confirmed credit bureau ID to the credit bureau.

17. A system for providing a personalized advertisement campaign purpose, the system comprising:

at least one database storing at least one of a plurality of products associated with key lifestyle indicators of a plurality of financial institution customers; and

at least one processor programmed to:

target at least one customer of a financial institution via at least one cookie associated with the at least one customer, a status of anonymity being maintained for each customer of the at least one customer;

receive the at least one cookie and a prospective unique customer identification code from the financial institution match the prospective unique customer identification code with at least one key lifestyle indicator, which describe customer attributes, associated with the at least one customer;

deliver online a pre-advertisement to at least one selected customer that is matched with the key lifestyle indicators;

receive an authentication of at least one selected customer from the financial institution;

match the prospective unique customer identification code to the at least one authenticated customer when at least one prospective customer accepts the pre-advertisement;

deliver a financial application form associated with the pre-advertisement to the at least one authenticated customer who accepts the pre-advertisement; and

receive a status of the financial application form from the financial institution associated with the at least one prospective customer, the status being indicative of one of complete, incomplete, and not applied, a status of complete being associated with at least one designated customer of the plurality of prospective customers; and

upon receiving a status indicating that the customer has completed the financial application form:

receive a designated unique customer identification code from the financial institution, the designated unique customer identification code being associated with the at least one designated customer;

match the designated unique customer identification code with the prospective unique customer identification code via at least one previously-assigned key lifestyle indicator for the customer, which describes the customer's attributes as deduced from financial transaction data of the customer to produce a confirmed unique customer identification code associated with at least one confirmed customer of the designated customers; and

send the confirmed unique customer identification code to the financial institution.

18. The system of claim 17 , wherein the at least one processor is further programmed to:

identify at least one product of a plurality of products stored in the database based on at least one key lifestyle indicator; and

generate the pre-advertisement for the at least one identified product.

19. The system of claim 17 , wherein the at least one processor is further programmed to:

upon receiving a status indicating that the customer has not completed the financial application form, erase all information relating to the prospective customer.

20. The system of claim 17 , wherein, upon completion of the financial application form by the selected customer the at least one processor is further programmed to:

receive a prospect credit bureau ID from a credit bureau;

match a prospect credit bureau ID with the confirmed unique customer identification code to produce a confirmed credit bureau ID associated with the at least one confirmed customer;

send the confirmed bureau ID, the completed application status, and a status of a hard inquiry related to the confirmed credit bureau ID to the credit bureau.