Instant credit card marketing system for reservations for future services

A method for requesting credit for a customer comprising the steps of:

• receiving a reservation for future services from the customer;
• creating a first data record in a central facility including information about the customer and the reservation;
• transmitting the customer information to a credit provider as part of a request for a line of credit for the customer;
• receiving from the credit provider an indicator that the line of credit has been approved or denied;
• and
• creating a second data record indicating a credit status for the customer.

A computer readable medium having a computer readable program code comprising:

• means for causing a computer to receive a reservation for future services from a customer;
• means for causing a computer to create a first data record including information about the customer;
• means for causing a computer to transmit the customer information to a credit provider as part of a request for a credit line for the customer;
• means for causing a computer to receive from the credit provider an indication whether the credit line for the customer has been approved;
• and
• means for causing a computer to create a second data record indicating a credit status for the customer.

A credit line issuing system comprising:

• means for receiving from a sponsoring organization customer information and a request for a credit line for a customer;
• means for determining whether the customer should be offered the credit line;
• means for transmitting an indication to the sponsoring organization whether the credit line has been approved for offer to the customer;
• means for creating a customer account including information about the customer and the credit line offer to the customer;
• and
• means for activating the customer account upon receipt of an indicator from the sponsoring organization that the customer accepts the offer of the credit line as part of a chargeable event with the sponsoring organization.

A method for issuing a line of credit comprising the steps of:

• receiving from a sponsoring organization a request for a line of credit for a customer having a reservation for future services with the sponsoring organization;
• evaluating the creditworthiness of the customer to determine whether to offer the customer a line of credit;
• transmitting to the sponsoring organization an indication whether a credit line for the customer has been approved;
• creating a customer account including information about the customer;
• and
• activating the customer account upon receipt from the sponsoring organization of an indication that the customer has accepted the credit line offer.

A computer readable medium having a computer readable program code comprising:

• means for causing a computer to receive from a sponsoring organization a request for a line of credit for a customer having a reservation for future services with the sponsoring organization;
• means for causing a computer to evaluate the creditworthiness of the customer to determine whether to offer the customer a line of credit;
• means for causing a computer to transmit to the sponsoring organization an indication whether a credit line for the customer has been approved;
• means for causing a computer to create a customer account including information about the customer;
• and
• means for causing a computer to activate the customer account upon receipt from the sponsoring organization of an indication that the customer has accepted the credit line offer.

A credit line issuing system comprising:

• a processor for receiving from a sponsoring organization customer information and a request for a credit line for a customer;
• a first processor code module operative to execute on the processor to determine whether the customer should be offered the credit line;
• a first communication port coupled to the processor operative to transmit an indication to the sponsoring organization whether the credit line has been approved for offer to the customer;
• a data storage device coupled to the processor operative to store one or more databases, the databases including information regarding a customer account, information about the customer, and information about the credit line offer to the customer;
• and
• a second processor code module operative to activate the customer account upon receipt of an indicator from the sponsoring organization that the customer accepts the offer of the credit line as part of a chargeable event with the sponsoring organization.