A computer-implemented system and method for processing applications for products or services based on solicited offers made to consumers are provided. A plurality of offers are communicated to a plurality of consumer recipients using a computer, each offer being identified by a solicitation identifier and an offer identifier. Offer information of said offers is stored in an offer database that further includes consumer identification information associated with the consumer recipients. A response to a specific offer is received from a specific consumer recipient at a VRU via a communication link with the specific consumer recipient. At least some offer identification data and consumer identification data is received from the specific consumer recipient at the VRU. Data received at the VRU is used to query the offer database to identify other targeted offers targeted to the specific consumer recipient and data associated with those other targeted offers, including consumer identity verification data. The identity of the specific consumer recipient is verified based on the consumer identification data and the consumer identity verification data. The communication link is transferred from the VRU to a live agent. The live agent is provided with (a) information received from the specific consumer at the VRU and (b) data from the query of the offer database including data regarding other targeted offers.