Abstract: Embodiments of a purchase power determination process for use in electronic commerce systems are described. The process correlates a person's actual, estimated or modeled credit score information with certain user profile and social network information to compile an overall score that encapsulates the person's purchasing power. The user profile information can include subjective information, such as user preferences, background, affiliations, behavior patterns, and so on. The social network information includes information regarding social network sites used by the person and the actual or estimated credit scores or financial data of other individuals linked to the person through these social networks.

Abstract: Embodiments of an online credit application system are described. The online credit application system displays a solicitation page requesting user credit score information and a selection of desired loan products.

Abstract: Embodiments of an online credit application system are described. The online credit application system displays a solicitation page requesting user credit score information and a selection of desired loan products. The user credit score information comprises a user's characterization of their own credit score. The system can be configured to obtaining the credit score for the user if the user does not provide the credit score in response to the solicitation. In response to the user's inquiry and information, the system displays a list of available loans based on the credit score and the selection of desired loan products. The user then selects a loan from the selection of desired loan products, after which the system requests user identification information to verify user qualification for the selected loan. Upon provisional qualification of the user for the loan product, the system obtains an actual credit score for the user based on detailed personal information of the user.

Abstract: Embodiments of user profile tagging process for an online credit application system are described. The process stores keywords represented as tags relating to various characteristics of the user. These characteristics can include objective information regarding the user, and subjective information, such as user preferences, background, affiliations, behavior patterns, and so on. A query function allows a querying user to input query tags to determine an aggregate or mean credit score for users who have certain characteristics. In response to a user query, the system identifies all other users that match the query tags entered by the querying user. The system calculates the aggregate credit score for these other users and displays this aggregate score relative to the credit score of the querying user.

Abstract: Embodiments of an online credit application system are described. The online credit application system displays a solicitation page requesting user credit score information and a selection of desired loan products. The user credit score information comprises a user's characterization of their own credit score. The system can be configured to obtaining the credit score for the user if the user does not provide the credit score in response to the solicitation. In response to the user's inquiry and information, the system displays a list of available loans based on the credit score and the selection of desired loan products. The user then selects a loan from the selection of desired loan products, after which the system requests user identification information to verify user qualification for the selected loan. Upon provisional qualification of the user for the loan product, the system obtains an actual credit score for the user based on detailed personal information of the user.

Abstract: Embodiments of an online credit application system are described. The online credit application system displays a solicitation page requesting user credit score information and a selection of desired loan products. The user credit score information comprises a user's characterization of their own credit score. The system can be configured to obtaining the credit score for the user if the user does not provide the credit score in response to the solicitation. In response to the user's inquiry and information, the system displays a list of available loans based on the credit score and the selection of desired loan products. The user then selects a loan from the selection of desired loan products, after which the system requests user identification information to verify user qualification for the selected loan. Upon provisional qualification of the user for the loan product, the system obtains an actual credit score for the user based on detailed personal information of the user.