System and method for facilitating reciprocative small business financial information exchanges
First Claim
1. A computer-implemented method for providing information exchanges between at least two members, said at least two members contributing member input information to an exchange repository, comprising:
- receiving an input data file from a contributing member, wherein the input data file is received via an electronic communications link, said input data file comprising input content, said input content comprising a plurality of contributed data elements contributed by the contributing member, the plurality of contributed data elements comprising information related to a small business entity and at least one individual associated with the small business entity;
storing the input content in the exchange repository, the exchange repository comprising stored data elements previously received by the exchange repository;
associating the input data file with a business entity identifier, said business entity identifier associating information relating to the small business entity and the at least one individual associated with the small business entity;
creating a member profile for the contributing member, said member profile comprising a statistics file, the statistics file comprising;
statistics based on a content type and number of the plurality of contributed data elements; and
statistics based on inquires previously received from the contributing member and responses previously provided to the contributing member;
determining a score for the statistics file by comparing the statistics based on the content type and number of the plurality of contributed data elements and the statistics based on inquiries previously received from the contributing member and responses previously provided to the contributing member to a threshold;
determining the contributing member'"'"'s access to the exchange repository to receive a content type and number of the stored data elements in the exchange repository based, at least in part, on the score; and
providing at least one of the stored data elements to the contributing member based on the determined contributing member'"'"'s access.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods facilitate information sharing among a plurality of member institutions. Each member is associated with a member number and a corresponding member profile. A member contributes its data relating to small business entities to an exchange repository upon becoming a member, and thereafter on a periodic basis. Each member is eligible to query against the exchange repository. However, a response to a member'"'"'s inquiry is determined by a reciprocity due to the inquiring member. If a member contributes comprehensive information regarding small business entities in its portfolio, then the member receives comprehensive information relating to a small business entity that becomes a subject of its inquiry. If a member contributes minimal information regarding the small business entities in its portfolio, the member receives minimal information relating to a small business entity that becomes a subject of its inquiry, regardless of the amount of information available in the exchange repository. Each business entity regarding which information is stored in the exchange repository is associated with a business entity identifier. A business entity identifier associates a record file for the corresponding small business entity. The record file includes trade data of the small business, data relating to one or more principals of the small business entity, as well as data relating to one or more guarantors of the small business entity, as appropriate.
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Citations
36 Claims
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1. A computer-implemented method for providing information exchanges between at least two members, said at least two members contributing member input information to an exchange repository, comprising:
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receiving an input data file from a contributing member, wherein the input data file is received via an electronic communications link, said input data file comprising input content, said input content comprising a plurality of contributed data elements contributed by the contributing member, the plurality of contributed data elements comprising information related to a small business entity and at least one individual associated with the small business entity; storing the input content in the exchange repository, the exchange repository comprising stored data elements previously received by the exchange repository; associating the input data file with a business entity identifier, said business entity identifier associating information relating to the small business entity and the at least one individual associated with the small business entity; creating a member profile for the contributing member, said member profile comprising a statistics file, the statistics file comprising; statistics based on a content type and number of the plurality of contributed data elements; and statistics based on inquires previously received from the contributing member and responses previously provided to the contributing member; determining a score for the statistics file by comparing the statistics based on the content type and number of the plurality of contributed data elements and the statistics based on inquiries previously received from the contributing member and responses previously provided to the contributing member to a threshold; determining the contributing member'"'"'s access to the exchange repository to receive a content type and number of the stored data elements in the exchange repository based, at least in part, on the score; and providing at least one of the stored data elements to the contributing member based on the determined contributing member'"'"'s access. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 32, 34, 35)
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27. A computer-implemented method for providing information exchanges between at least two members, said at least two members contributing member input information to an exchange repository, comprising:
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receiving an input data file from a contributing member, wherein the input data file is received via an electronic communications link, said input data file comprising input content, said input content comprising a plurality of contributed data elements contributed by the contributing member, the plurality of contributed data elements comprising information related to a small business entity and at least one individual associated with the small business entity; storing the input content in the exchange repository, the exchange repository comprising stored data elements previously received by the exchange repository; associating the input data file with a business entity identifier, said business entity identifier associating information relating to the small business entity and the at least one individual associated with the business entity; generating a statistical file based on the input content, said statistical file comprising; statistics based on a content type and number of the plurality of contributed data elements; and statistics based on inquires previously received from the contributing member and responses previously provided to the contributing member; determining a score for the statistics by comparing the statistics based on the content type and number of the plurality of contributed data elements and the statistics based on inquiries previously received from the contributing member and responses previously provided to the contributing member to a threshold; determining the contributing member'"'"'s access to the exchange repository to receive a content type and number of the stored data elements in the exchange repository based, at least in part, on the score; and providing at least one of the stored data elements to the contributing member based on the determined contributing member'"'"'s access. - View Dependent Claims (28, 29, 30, 31, 33, 36)
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Specification