Conditional transaction offer system and method

A method for coordinating multiple vendor requests for a transaction from a single user using a server, said method comprising the steps of:

• obtaining user information related to the transaction by communication with a user computer over a network;
• obtaining User Authorization by communication with a user computer over a network, the User Authorization including user authentication and user affirmation;
• storing the user information, user authentication and user affirmation;
• transforming the user information from a format incompatible with multiple vender processes into a format compatible with multiple vendor processes;
• fulfilling vendor information requirements from the stored user information using a vendor interaction module, wherein the vendor interaction module provides
• stored user information to a vendor server using an application program interface (API), an interactive connection, a browser based applet, and a file transfer protocol transmission;
• transforming information, via an API integration module, in a format incompatible with multiple vender processes into a format compatible with multiple vendor processes;
• operating a decision module for applying vendor information requirements and user information, the decision module also for communicating acceptance of user compliance with vendor information requirements, wherein the decision module includes:
• 1) an
• anonymous email interaction module for creating anonymous emails accounts for managing interaction of a user with a vendor, said anonymous email interaction module creating an e-mail account for the vendor interaction module to use to communicate with the vendors, said anonymous email interaction module managing email to the user through the user interaction module, and 2) an independently moderated decision matrix protected by an independent third party in order to create an information barrier around vendor information requirements;
• comparing basic loan information to a pre-aggregated data set;
• and
• providing comparison results to the user through an administrative platform.