Abstract: Method and System for Enabling Teller Presentation of Pre-Approved Credit Offers. Simultaneously with a teller transaction flow, pertinent customer information can be parsed and forwarded to a credit opportunity system such as may be operated by a credit bureau. If the customer qualifies, the appropriate details of the pre-approved credit offer can then returned to the teller system. The teller then has both a cue and the necessary information to sell a pre-approved product to the customer. Provisions can be made to dispose of the transaction in various ways, based on input by the teller as to the outcome of the offer to the customer. A server and other functionality disposed in a channel technology mid-tier can control the formatting and sending of offer inquiries.

Abstract: A method and system is disclosed for a financial institution to offer one or more financial products or services to a customer. Upon receiving a triggering event, such as a customer transaction, at least one of an internal and external database concerning is queried, and an algorithmic determination of an optimum selection of financial products to be offered to the customer is executed. The initiated financial transaction may be executed simultaneously with the determination of an optimum selection of financial products. The optimum selection of financial products and services may be offered by the financial institution employee who is also processing the customer transaction.