ON-LINE CONSUMER CREDIT DATA REPORTING SYSTEM
First Claim
Patent Images
1. A computerized system for providing consumer credit information, comprising:
- a computer system;
a data base for storing consumer credit information;
said computer system being programmed to store current credit information and programmed to store historical credit information for a period at least greater than six months; and
said computer system being programmed to provide data for screen displays showing historical credit information in graphical form.
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Abstract
A consumer credit information data base controlled by a computerized system for storing current consumer credit information, as well as historical credit data information. The computerized system is programmed to present current and historical credit data information to on-line users so that better assessments can be made as to the credit worthiness of a consumer.
341 Citations
20 Claims
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1. A computerized system for providing consumer credit information, comprising:
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a computer system;
a data base for storing consumer credit information;
said computer system being programmed to store current credit information and programmed to store historical credit information for a period at least greater than six months; and
said computer system being programmed to provide data for screen displays showing historical credit information in graphical form. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method of programming a computerized system to provide screen displays of consumer credit information, comprising the steps of:
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storing in a data base a plurarity of parameters of credit information for consumers, and maintaining the consumer credit information in said data base for at least a six month period;
programming the computerized system to provide screen displays of the consumer credit information accumulated for said period; and
programming the computerized system to allow selection by a user of one or more parameters to be displayed. - View Dependent Claims (19, 20)
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Specification