Systems, applications and products in data processing for credit check

• US 20070265959A1
• Filed: 01/26/2007
• Published: 11/15/2007
• Est. Priority Date: 05/15/2006
• Status: Active Grant

• Current Assignee: Accenture Global Services Limited (Accenture PLC)
• Original Assignee: Accenture Global Services GmbH (Accenture PLC)
• Inventors: Raupers, Gregory D., Hollis, Caroline
• Granted Patent: US 7,599,883 B2
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A system, application and product in data processing is disclosed for setting up a credit check of a customer. A customer risk category is set. A credit is reviewed based on the risk category. A customer hierarchy is set. A customer credit limit is assigned to the customer based on the reviewed credit and the customer hierarchy.

Claims

1. A method for setting up a credit check of a customer, the method comprising:

setting a customer risk category;

reviewing credit based on the risk category;

setting a customer hierarchy; and

assigning customer credit limit to the customer based on the reviewed credit and the customer hierarchy.

2. The method of claim 1 further comprising checking whether a delivery date is within a determined horizon.

3. The method of claim 2 wherein assigning the customer credit limit is further based on whether the delivery date is within the determined horizon.

4. The method of claim 1 further comprising assigning a next credit review date.

5. The method of claim 4 further comprising disallowing creation of an order if the next credit review date is not assigned.

6. The method of claim 4 further comprising disallowing creation of a delivery date if the next create review date is not assigned.

7. The method of claim 4 wherein an order delivery is disallowed if a credit is not reviewed before the next credit review date is passed.

8. The method of claim 1 wherein the customer hierarchy comprises a world wide customer, a central office customer and a sold-to customer.

9. The method of claim 8 wherein an order delivery is disallowed unless within a credit limit of the sold-to customer and a credit limit of a central office customer related to the sold-to customer.

10. The method of claim 8 wherein the assigned credit limit is managed collectively if the sold-to customer shares a payer with other sold-to customers.

11. A system for setting up a credit check of a customer, comprising:

a customer risk category;

a credit based on the risk category;

a customer hierarchy for a plurality of customers; and

a customer credit limit being assigned to the customer based on the reviewed credit and the customer hierarchy.

12. The system of claim 11 further comprising a delivery date and a determined credit horizon.

13. The system of claim 12 wherein the customer credit limit is further based on whether the delivery date is within the determined credit horizon.

14. The system of claim 11 further comprising a next credit review date.

15. The system of claim 14 further comprising an order creation is not allowed if the next credit review date is not assigned.

16. The system of claim 14 further comprising a delivery date is not allowed if the next create review date is not assigned.

17. The system of claim 14 wherein an order delivery is not allowed if a credit is not reviewed before the next credit review date is passed.

18. The system of claim 11 wherein the customer hierarchy comprises a world wide customer, a central office customer and a sold-to customer.

19. The system of claim 18 wherein an order delivery is disallowed unless within a credit limit of the sold-to customer and a credit limit of a central office customer related to the sold-to customer.

20. The system of claim 18 wherein the assigned credit limit is managed collectively if the sold-to customer shares a payer with other sold-to customers.