Abstract: The present invention relates to a method for conducting electronic business. The method comprises the steps of providing a web site for a consumer to purchase at least one of goods and services; receiving personal information about the consumer as the consumer processes a form to make a purchase transaction; transmitting the personal information to at least one credit bureau; receiving a signal representative of the creditworthiness of the consumer; and making an offer for credit to the consumer on the web site during the purchase transaction if the creditworthiness exceeds a particular threshold.

Abstract: The present invention relates to a method for rewarding customers of a business. The method broadly comprises establishing an account for the customer, awarding points to the customer account based on customer purchases, inviting the customer to attend an event at a particular site, and awarding additional points to the customer account when the customer attends the event. The method of the present invention also awards bonus points to the customer account if the customer brings another individual and the another individual performs a particular act.