Online credit card prescreen systems and methods

A computing system comprising:

• a processor;
• a computer readable medium storing machine-executable instructions including one or more modules configured for execution by the processor in order to cause the computing system to:
• receive borrower information associated with a borrower, wherein the borrower information comprises a first name, a last name, and one or more of:
• a street address, a city, a state, and a zip code, wherein the borrower information is received via one or more networks from a third-party referrer computing system that receives the borrower information from a borrower computing system;
• transmit the borrower information from the computing system to a prescreened offer source computing system configured to access credit data related to the borrower and determine zero or more prescreened credit card offers indicating credit cards that the borrower would likely be accepted for by the respective issuer;
• receive from the prescreened offer source computing system information regarding the zero or more prescreened credit card offers;
• respond to receiving one or more prescreened credit card offers by:
• generating a browser-viewable prescreened offer document comprising information regarding at least one of the prescreened credit card offers;
• storing the prescreened offer document at a network location accessible to the third-party referrer computing system, wherein a filename of the stored prescreened offer document is determined based on a predefined format so that the third-party referrer computing system can access the prescreened offer document without receiving the filename from the computing system, and
• transmitting the prescreened offer document, a link to the prescreened offer document, or an indication that the prescreened offer document has been stored at the network location to the third-party referrer computing system for access by the borrower computing system;
• and
• respond to receiving zero prescreened credit card offers by:
• generating a browser-viewable invitation to apply document comprising information regarding one or more invitations to apply for one or more respective credit cards,
• storing the invitation to apply document at a network location accessible to the third-party referrer computing system, wherein a filename of the invitation to apply document is determined based on a predefined format so that the third-party referrer can access the invitation to apply document without receiving the filename from the computing system, and
• transmitting the invitation to apply document, a link to the invitation to apply document, or an indication that the prescreened offer document has been stored at the network location to the third-party referrer computing system for access by the borrower computing system.

A non-transitory tangible computer readable medium having instructions stored thereon, the instructions configured for reading by a first computing system in order to cause the first computing system to perform operations comprising:

• receiving at a first computing system comprising one or more computing devices borrower information associated with a borrower, wherein the borrower information comprises a first name, a last name, and one or more of:
• a street address, a city, a state, and a zip code, wherein the borrower information is received via one or more networks from a third-party referrer computing system that receives the borrower information from a borrower computing system operated by the borrower;
• transmitting the borrower information from the first computing system to a prescreened offer source computing system configured to access credit data related to the borrower and determine zero or more prescreened credit card offers indicating credit cards that the borrower would likely be accepted for by the respective issuer;
• receiving from the prescreened offer source computing system information regarding the zero or more prescreened credit card offers;
• in response to receiving information indicating one or more prescreened credit card offers for the borrower,
• generating at the first computing system a browser-viewable prescreened offer document comprising information regarding at least one of the prescreened credit card offers,
• storing the prescreened offer document at a network location accessible to the third-party referrer computing system;
• and
• transmitting an indication that the prescreened offer document has been stored at the network location to the third-party referrer computing system for access by the borrower computing system;
• and
• in response to receiving zero prescreened credit card offers,
• generating at the first computing system a browser-viewable invitation to apply document comprising information regarding one or more invitations to apply for one or more respective credit cards,
• storing the invitation to apply document at a network location accessible to the third-party referrer computing system;
• and
• transmitting an indication that the prescreened offer document has been stored at the network location to the third-party referrer computing system for access by the borrower computing system.