An Anonymous Transaction Service (ATS) solves or alleviates the problems
outlined above. The ATS provides anonymous, automated, risk-based
differential pricing that allows consumers to receive offers from
multiple suppliers with only a single credit report. The ATS facilitates
any offer between a supplier and consumer that first requires an
evaluation of the risk associated with making the offer. The ATS can be
used for any product or service, such as credit cards, home mortgages,
automobile loans, appliance loans, debt consolidation loans, insurance
products, advertising and dating services, to name only a few.