Abstract: A method for receiving a user input for providing offerings is disclosed. Fields may be populated for creating a database query for matching a selection of offerings to a population of customers. Data may be received from the database, in response to interactively building the query and/or executing the query. Multiple rank ordered results may be produced for comparison, wherein the producing uses preprogrammed analytics, data from the database and user input, and wherein the results include customer lists linked to a distinct offering and a preferred delivery channel of the offering to a customer. A transaction account may be offered through the preferred delivery channel from the rank ordered transaction account results to the customer. The response from the customer to the offering may be tracked, wherein the preprogrammed analytics are adjusted for use in subsequent offerings based upon the response tracking results.

Abstract: Providing a real time credit score to a transaction account issuer as part of the transaction authorization request message is disclosed. A payment processor augments the transaction request received from a customer or merchant by calculating a credit score and adding it to the authorization request message. The real time credit score calculation may be based upon data stored by the payment processor and upon information collected from credit bureaus, transaction account issuers and other third-party sources.