SYSTEM AND METHOD FOR CREDIT REPORTING
First Claim
1. A system for providing creditworthiness information based on a credit application, comprising:
- at least one database storing a plurality of information elements corresponding to credit information; and
at least one server configured to;
receive at least one data file including first additional information elements and store the additional data elements in the at least one database using batch processing;
receive at least one record including second additional information elements and storing the second additional information elements in the database substantially contemporaneously with their being received;
receive creditworthiness requests;
automatically query the at least one database including the information elements, first additional information elements and second additional information elements dependently upon the received requests substantially contemporaneously with the requests being received to generate query results; and
automatically transmit creditworthiness indicative information based upon the query results substantially contemporaneously with the query results being generated.
1 Assignment
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Accused Products
Abstract
A system for providing creditworthiness information based on a credit application, including: at least one database storing a plurality of information elements corresponding to credit information; and at least one server configured to: receive at least one data file including first additional information elements and store the additional data elements in the at least one database using batch processing; receive at least one record including second additional information elements and storing the second additional information elements in the database substantially contemporaneously with their being received; receive creditworthiness requests; automatically query the at least one database including the information elements, first additional information elements and second additional information elements dependently upon the received requests substantially contemporaneously with the requests being received to generate query results; and automatically transmit creditworthiness indicative information based upon the query results substantially contemporaneously with the query results being generated.
118 Citations
20 Claims
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1. A system for providing creditworthiness information based on a credit application, comprising:
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at least one database storing a plurality of information elements corresponding to credit information; and at least one server configured to; receive at least one data file including first additional information elements and store the additional data elements in the at least one database using batch processing; receive at least one record including second additional information elements and storing the second additional information elements in the database substantially contemporaneously with their being received; receive creditworthiness requests; automatically query the at least one database including the information elements, first additional information elements and second additional information elements dependently upon the received requests substantially contemporaneously with the requests being received to generate query results; and automatically transmit creditworthiness indicative information based upon the query results substantially contemporaneously with the query results being generated. - View Dependent Claims (2, 3, 4)
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5. A system for providing creditworthiness information in response to an application having a corresponding applicant, comprising at least one server configured to:
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receive a data representation of at least a portion of the application; parse out information items in the received data; compare at least one of the parsed out information items to information items corresponding to prior applications also corresponding to the applicant; and for each of a plurality of temporal periods, reporting an aggregate of;
(1) a number of information item inconsistencies determined to exist between the at least one parsed information item and the previously parsed information items received in the corresponding temporal period; and
(2) inconsistencies in the previously parsed information items received in the corresponding temporal period. - View Dependent Claims (6, 7, 8, 9)
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10. A system for providing creditworthiness information based on a credit application from a plurality of requestors, comprising:
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at least one database storing a plurality of information elements corresponding to credit information and a plurality of configuration types each corresponding to one of the requestors and a type of request; and at least one server configured to; receive creditworthiness requests from the requestors; determine which of the configuration types corresponds to each of the received requests; query the at least one database dependently upon the received requests substantially contemporaneously with the requests being received and in accordance with the determined configuration files to generate query results; and transmit creditworthiness indicative information based upon the query results substantially contemporaneously with the query results being generated; wherein the types of transmitted information may differ based upon the determined configuration types. - View Dependent Claims (11, 12, 13, 14)
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15. A system for providing creditworthiness information based on a credit application, comprising:
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at least one database storing a plurality of information elements corresponding to credit information and particular computing device indicative information; and at least one server configured to; receive a creditworthiness request; query the at least one database including the information elements and the particular computing device indicative information dependently upon the received request substantially contemporaneously with the request being received to generate query results; and transmit creditworthiness indicative information based upon the query results substantially contemporaneously with the query results being generated. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification