Debt collecting and financing method
First Claim
1. In a method for collecting a debt of a debtor to a creditor, the method comprising:
- entering in a data processing system data at least comprising data concerning the debtor and the debt,permitting for the debt access for at least two parties to at least a part of the data entered in the system, andinitiating an action for collecting the debt on a basis of the data entered in the database,an improvement consisting of;
a) entering accounting data regarding accounts payable to the creditor and payments to the creditor into the system;
b) enabling a financing party providing a loan to the creditor on the payable accounts to inspect at least a part of the accounting data for determining an amount of the loan based on at least the part of the accounting data;
c) determining a rating from the at least part of the accounting data;
d) determining an amount of the loan based on the rating; and
e) providing the loan in the determined amount by the financing party to the creditor.
5 Assignments
0 Petitions
Accused Products
Abstract
The invention proposes an improvement for a method for collecting a debt. The method includes entering in a data processing system data at least including data concerning the debtor and the debt, permitting debt access to at least two parties to at least a part of the data entered in the system, and initiating an action for collecting the debt on a basis of the data entered in the database. The improvement comprises entering accounting data regarding accounts payable to the creditor and payments to the creditor into the system, enabling a financing party providing a loan to the creditor on the payable accounts to inspect at least a part of the accounting data for determining an amount of the loan based on at least the part of the accounting data.
12 Citations
16 Claims
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1. In a method for collecting a debt of a debtor to a creditor, the method comprising:
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entering in a data processing system data at least comprising data concerning the debtor and the debt, permitting for the debt access for at least two parties to at least a part of the data entered in the system, and initiating an action for collecting the debt on a basis of the data entered in the database, an improvement consisting of; a) entering accounting data regarding accounts payable to the creditor and payments to the creditor into the system; b) enabling a financing party providing a loan to the creditor on the payable accounts to inspect at least a part of the accounting data for determining an amount of the loan based on at least the part of the accounting data; c) determining a rating from the at least part of the accounting data; d) determining an amount of the loan based on the rating; and e) providing the loan in the determined amount by the financing party to the creditor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for determining an amount of a loan to a banking customer, the loan being based on accounts payable to the banking customer, the method comprising:
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a) inspecting via a data processing system at least a part of accounting data regarding the payable accounts, the accounting data comprising data relating to all accounts payable to the banking customer and having been entered by the banking customer into the system; and b) determining an amount of the loan based on at least the part of the accounting data; c) determining a rating from the at least part of the accounting data; d) determining an amount of the loan based on the rating; and e) providing the loan in the determined amount by the financing party to the creditor. - View Dependent Claims (13)
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14. In a method for collecting a debt of a debtor to a creditor, the method comprising:
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entering in a data processing system data at least comprising data concerning the debtor and the debt; permitting for the debt access for at least two parties to at least a part of the data entered in the system; initiating an action for collecting the debt on a basis of the data entered in the database; entering a criterion which, upon fullfillment thereof, initiates an action; repetitively checking a debt for fullfillment of the criterion; and initiating the action upon fullfillment of the criterion. - View Dependent Claims (15, 16)
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Specification