System and methods for soft credit approval using text redirect

A system for soft credit approval using text redirect, comprising:

• one or more computing devices comprising a memory, a processor, and a non-volatile data storage device;
• a first database stored on the non-volatile data storage device, comprising a plurality of lender instructions, each lender instruction of the plurality of lender instructions comprising a scheme for generating placement of call-to-action elements and an approval procedure for qualifying a consumer for receiving credit;
• a positioning manager comprising a first plurality of programming instructions stored in the memory which, when operating on the processor, causes the one or more computing devices to:
• retrieve a lender instruction from the first database;
• generate a call-to-action element comprising coding instructions configured to generate a pre-filled short message service (SMS) or multi-media message service (MMS) message comprising a destination, an identifier, and consumer financial information, such that interaction with the call-to-action element on the user computing device causes the user computing device to propagate the pre-filled SMS or MMS message;
• place the call-to-action element according to the scheme specified in the lender instruction;
• and
• save the identifier to the lender instruction in the database;
• and
• a consumer credit manager comprising a second plurality of programming instructions stored in the memory which, when operating on the processor, causes the one or more computing devices to:
• receive the SMS or MMS message from the user computing device via the destination;
• retrieve from the first database a lender instruction using the identifier;
• analyze, using the consumer financial information and the approval procedure, the consumer's qualification for receiving credit;
• send a notification to the lender;
• and
• send a second notification to the consumer.