System and method for providing an intermediary for a transaction

An apparatus comprising

• a memory;
• a network interface to communicate with remote devices;
• at least one processor to:
• receive data indicative of a request to open an account, the request comprising identification information;
• generate in the memory a decision matrix table comprising an approval decision section that indicates a plurality of account types;
• generate in the memory an identity check rules table and a credit check rules table;
• communicate, using the network interface, the identification information to a remote credit verification server;
• receive, via the network interface, a credit check score and an identity check score from the remote credit verification server;
• join the decision matrix table, the identity check rules table, and the credit check rules table based on the credit check score and the identity check score;
• and
• transmit, via the network interface, an indication of an account type in the approval decision section that results from the join.

A method comprising

• receiving, by at least one processor, data indicative of a request to open an account via a network interface, the request comprising identification information;
• generating in a memory, by the at least one processor, a decision matrix table comprising an approval decision section that indicates a plurality of account types;
• generating in the memory, by the at least one processor, an identity check rules table and a credit check rules table;
• communicating, by the at least one processor, the identification information to a remote credit verification server using the network interface;
• receiving, by the at least one processor, a credit check score and an identity check score from the remote credit verification server via the network interface;
• joining, by the at least one processor, the decision matrix table, the identity check rules table, and the credit check rules table based on the credit check score and the identity check score;
• and
• transmitting, by the at least one processor, an indication via the network interface of an account type in the approval decision section that results from the join.