EP1114380A4 - Systeme et procede permettant de transmettre des informations de credit de systeme a systeme - Google Patents

Systeme et procede permettant de transmettre des informations de credit de systeme a systeme

Info

Publication number
EP1114380A4
EP1114380A4 EP99943734A EP99943734A EP1114380A4 EP 1114380 A4 EP1114380 A4 EP 1114380A4 EP 99943734 A EP99943734 A EP 99943734A EP 99943734 A EP99943734 A EP 99943734A EP 1114380 A4 EP1114380 A4 EP 1114380A4
Authority
EP
European Patent Office
Prior art keywords
information
credit
segment
network database
format
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP99943734A
Other languages
German (de)
English (en)
Other versions
EP1114380A1 (fr
Inventor
David L Wallace
Marguerite Anne Hammond
Judy Headley
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Equifax Inc
Original Assignee
Equifax Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Equifax Inc filed Critical Equifax Inc
Publication of EP1114380A1 publication Critical patent/EP1114380A1/fr
Publication of EP1114380A4 publication Critical patent/EP1114380A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/80—Information retrieval; Database structures therefor; File system structures therefor of semi-structured data, e.g. markup language structured data such as SGML, XML or HTML
    • G06F16/84—Mapping; Conversion

Definitions

  • the invention relates to consumer and commercial credit transaction database systems.
  • Bank Z along with other credit issuers, reports current account information for all of its credit account holders including their name, current address, balance and payment history, among other information, to a credit reporting repository which is often a central computerized database.
  • That credit reporting system collects account information from the variety of credit issuers associated with the system, including Bank Z, and records that information in a database. Then, under appropriate circumstances, other credit issuers, consumers or others may request credit history information for a particular consumer or commercial enterprise from the records of the credit reporting system. For instance in the United States that request may be by a bank considering a consumer for a new credit card account.
  • the credit reporting system then generates a report which lists information from various accounts with all credit issuers that are stored in the database for that particular consumer or commercial enterprise. Credit issuers may use that reported information to assess whether to issue credit by using various modeling and scoring algorithms to assess the risk involved in granting the credit.
  • the credit information recorded by the various collection systems used throughout the world varies from country to country, and even within a single country. For example, information collected in India may vary significantly from information collected in Mexico or the United States. Languages, cultures, and currencies differ in these various countries, and accordingly the types of information collected by credit systems used in these countries also varies. Accordingly, a credit reporting system designed for one reporting format is not capable of accepting information from a customer that provides information in another format. A uniform reporting system does not exist, and more flexible and universal information access is desirable.
  • An object of the invention is to overcome these and other problems with existing credit reporting systems.
  • Another object of the invention is to provide a uniform system and method for collecting credit information for credit recipients over the world.
  • Another object of the invention is to provide a system and method that allows system to system communication of credit information. Another object of the invention is to provide a system and method for translating and collecting credit history information from a variety of different formats and storing that data in a credit history database in a uniform manner.
  • Another object of the invention is to provide a credit history system and method for receiving and using data from existing formats throughout the world. Another object of the invention is to provide a credit history system and method that enables users to generate reports in different languages, formats and currencies.
  • Another object of the invention is to provide a credit history system and method that displays graphical user interfaces to the user in the user's preferred language.
  • the invention relates to a system that accepts credit information from any source, translates it into a uniform credit information format and stores that data into a database. Therefore, according to one embodiment, consumer or commercial information from an arbitrary source from anywhere in the world may be stored in and delivered from a single system.
  • the invention may be interfaced to existing credit history systems, because those existing systems do not have to be altered to report a different credit history format.
  • the existing system's format may be translated into the uniform credit information formats and then stored on the system for use in reporting credit history.
  • the invention provides a database that stores an integral code or indicator of the type of data being stored.
  • an integral code or indicator of the type of data being stored For example, for currency fields, the numerical amount of the currency may be stored along with an indicator of the currency denomination. Accordingly, credit information including balances from one country may be readily translated into credit information in another country.
  • the fields stored in the database may be configured to accommodate large names, as used in some countries, or larger currency values for countries having relatively large numerical exchange rates, such as Mexico or Italy, for example. In this manner, the uniform database is able to accept data from all originating countries without having to be individually customized for implementation in different countries.
  • the database contains a rich and extensible structure of stored fields, such as ten year's worth of account history, rate, balance, past due, and monthly payment amounts, credit limits and highest credit granted, charge off amount and date, payment date, expiration date (particularly for credit card accounts), and defined status messages with associated codes. This is rather than simply providing free-form verbiage that is not useful to score or to sort accounts, as in some prior art systems.
  • the invention may store graphical user interfaces, code tables listing selections to be made by a user, and other textual or graphical information in multiple languages.
  • a user may select the language desired for the graphical user interface.
  • Reports may also be generated in different languages or formats by storing different textual information to be printed on the report and permitting the user to select the language for the report.
  • the currency denomination of the report may also be selected by the user and generated by using the currency codes stored with the credit history data stored in the database.
  • Fig. 1 illustrates an overall system according to one embodiment of the invention.
  • Fig. 2 illustrates a translation of account information performed by a system according to the invention.
  • Fig. 3 illustrates a translation of account information performed by a system according to another embodiment of the invention.
  • Fig. 4 illustrates a data transmission format according to the invention.
  • Fig. 5 illustrates a flow chart of credit update processing according to the invention.
  • Fig. 1 An overall credit system architecture according to one embodiment of the invention is depicted in Fig. 1.
  • the overall credit system 100 comprises an arbitrary number of client customer systems, shown as 10a through lOn although a single customer system 10a may be deployed.
  • Customer systems 10a through lOn communicate with a central credit system 16.
  • Central credit system 16 comprises a storage and retrieval system 18 in communication with one or more databases 20. Additionally, central credit system 16 may communicate with other credit systems 24 housing their own credit records.
  • Customer systems 10a through lOn constitute a report requesting element 42 which permits any one or more of customer systems 10a through lOn to request reports from central credit system 16 over a network connection.
  • Report requesting element 42 may comprise a GUI selection unit 44 through which users at customer systems 10a through lOn may request credit reports from central credit system 16.
  • Central credit system 16 may generate reports 26 to one of customer systems 10a through lOn based on information stored in database 20, as described in more detail below. Reports 26 may also be generated for and transmitted to other systems or entities including credit systems 24.
  • credit information may be directly transmitted from customer systems 10a through lOn to central credit system 16 over a network.
  • the network may be or include as a segment any one or more of, for instance, the Internet, an intranet, a LAN (Local Area Network), WAN (Wide Area Network) or MAN (Metropolitan Area Network), a frame relay connection, Advanced Intelligent Network (AJN) connection, a synchronous optical network (SONET) connection, a digital Tl, T3 or El line, Digital Data Service (DDS) connection, DSL (Digital Subscriber Line) connection, an Ethernet connection, ISDN (Integrated Services Digital Network) line, a dial-up port such as a V.90, N.34 or N.34bis analog modem connection, a cable modem, an ATM (Asynchronous Transfer Mode) connection, FDDI (Fiber Distributed Data Networks) or CDDI (Copper Distributed Data Interface) connections, WAP (Wireless Application Protocol), GPRS (General Packet Radio Service), GSM (Global System
  • the implementation of the invention eliminates the need for physical storage media to store the credit information and then ship that physical storage medium to the credit reporting system for input and storage, although such a method of transmission to central credit system 16 may also be used within the scope of the invention.
  • System to system communication may be performed by customer system 10 transmitting credit information to central credit system 16 data in a predetermined format that is received by central credit system 16.
  • a format created by Equifax Inc. called the International Consumer and Commercial Input Format (ICCIF) may be used.
  • ICCIF International Consumer and Commercial Input Format
  • Version 2 of the ICCLF format, including fields and records, is more fully disclosed as an Appendix to this application.
  • the ICCLF format may comprise consumer base records and commercial base records, each with a header and trailer record.
  • Consumer base records may comprise fields for consumer base, consumer name, address information, identification information, telephone number, relationship information, historical information, collateral information, account number change, purchased portfolio/sold to segment, employment and other income.
  • the commercial base segment may comprise fields for commercial base, address information, identification information, telephone number, relationship information, commercial base, commercial financial information, commercial name, historical information, collateral information, account number change, and purchased portfolio/sold to.
  • some or all of this selection of information may be required by central credit system 16. For example, it may be required to provide the header and file trailer, as well as the consumer name, and address for the consumer base segment and the commercial base and commercial name for the commercial base segment.
  • Fig. 4 illustrates an example of a ICCIF customer transmission including both consumer and commercial base segments.
  • the character format may be a variable block format.
  • Other fields may be either variable or fixed.
  • a variable block format sends only data, whereas the fixed field format sends a data block equal in size to that allotted, even if much of the content is blank.
  • the format used for system to system transfers may comprise a header record, a plurality of consumer base segments, and a trailer record.
  • the format may also comprise a header record, a plurality of commercial base segments and a trailer record. Multiple consumer base segment blocks and commercial base segment blocks may also be sent.
  • the ICCLF format may employ or embed certain conventions for data transmission.
  • alphabetic fields may be upper case letters.
  • Numeric fields may be right justified and zero filled. If a descriptive field is not available, it may be filled with blanks. If a numeric field is not available, it may be zero filled.
  • date fields the data may be formatted in YYYYMMDD format. If a date is not available, the field 01 may be used.
  • currency fields whole numbers of currency may be used, for example, dollars without cents.
  • time stamp fields the convention YYYYMMDDHHMMSS may be used.
  • customer systems 10a through lOn may transmit data directly to central credit system 16 in a predetermined format, such as ICCLF.
  • Other customer systems 10 may also directly transmit information to central credit system 16.
  • central credit system 16 may also receive credit information from a customer system 1 Ob that transmits data in a format different from that received by credit system 16.
  • customer system 1 Ob that transmits data in a format different from that received by credit system 16.
  • many existing customer systems in the world already have established idiosyncratic reporting formats. Altering such formats may be costly and require a significant overhaul of those existing local systems.
  • the invention enables a central credit system 16 to receive, process, and store information, even from existing systems that transmit information in a different format from ICCLF or other standard protocol.
  • a format translator 14 may be used to receive data from customer systems 10 in a data format 12, translate that data into the predetermined data format, such as ICCLF, and then transmit that information to central credit system 16.
  • Format translator 14 may be an adaptation of customer system 10, may be a stand-alone unit intermediate between customer system 10 and central credit system 16, or may comprise an element of central credit system 16.
  • different customer systems may report credit history using different native formats.
  • the formats from different countries may differ and sometimes reporting systems in the same country differ as well.
  • format translator 14 credit information from customer systems 10 may be accepted and processed by credit system 16 regardless of the format used by customer system 10 to report that information.
  • Fig. 2 illustrates a first data format record 50 from a customer system 10, for example.
  • Fig. 2 also depicts a second data format record 52, such as an ICCLF format record.
  • first data format record 50 comprises fields for consumer social security number, consumer name, consumer address, telephone number, and other information.
  • format translator 14 may receive first data format record 50 and parse that record to determine the various elements.
  • Each field from first data format record 50 may be assigned to or associated with a field in second data format record 52. That assignment may be predetermined and stored with format translator 14.
  • a lexical analyzer or other modules may be used to detect and find a best fit to place the data format from first data format record 50 into second data format record 52.
  • Second data format record 52 illustrated as an ICCLF format record, does not have a corresponding field for social security number information.
  • Consumer social security number may be predetermined by format translator 14 to be a type consumer identification information, and may be placed in the consumer identification information field in the second data format record 52.
  • ICCLF format may not be provided from a single field in the first data format record 50. Accordingly, information in a single field from first data format record 50 may be split into two or more fields in second data format record 52, to make subfields available for association. Likewise, individual fields from first data format record 50 may be combined for the purpose of creating a match to a desired field of second data format record 52. Format translator 14 may also include other components for taking a record in one format and translating it into another format, such as the ICCLF format.
  • Fig. 3 illustrates another example of format translator 14 translating information into another format.
  • a record for Consumer Smith from Mexico is provided and in Fig. 3(b), a record for Consumer Jones is provided.
  • the ICCLF format may be used.
  • the two records contain different fields of information.
  • the Consumer Smith record from Mexico lists Mr. Smith's identification number.
  • Mr. Jones' record lists his U.S. social security number. Both of these numbers may be considered consumer identification information and may be translated into the identification information field of the ICCLF format record, as depicted in Fig. 3. In doing so, however, that information is simply an abstract number with no reference. Therefore, in order to understand what that number represents, a code may be associated with the input that indicates the type of input.
  • ISO International Standards Organization
  • codes may be used to designate the country of origin of the record and the specific definition of the associated number.
  • Other codes may also be used to designate the type of input as well.
  • multiple identification formats may be used.
  • additional codes may be used to correspond to the various formats. Different codes may therefore be used to designate social security number, RFC/CURP - Government ID, LMSS Tax LD, Driver's License, Passport, Professional License, Voter Registration, and DUNS, to name examples of codes that may be used for the identification number field.
  • the address field may differ for records from Mexico and the United States. Many countries use different address conventions which therefore may need to be coded so that the information may be more easily stored and searched in ICCIF format.
  • account balance information from different countries may be reported in the currency of the originating country or even multiple currencies.
  • the customer may desire to receive reports in Peso, Old Peso and US Dollars, for example.
  • Reported currencies may be stored in ICCLF by storing the amount and a code associated with the currency information.
  • Other monetary values may similarly be coded to indicate the currency denomination in which the value is being reported.
  • the system according to the present invention is customizable for any credit reporting system.
  • a single credit reporting system and associated database may be used all over the world, such as countries like Mexico, India, Argentina, and the United States, without requiring modification to the database or the format of information being stored therein.
  • central credit system 16 may be readily implemented and extended.
  • the database structure itself for central credit system 16, such as one based on the ICCIF format, may be used in all countries without the need for modification of the database structure of the data stored.
  • At least the following additional codes may be used: account type, address type, association termination, business type, collateral description, country name, currency type, employment type, gender, LD type, industry, language, location of incorporation, name suffix, name title, name type (commercial), name type (consumer), occupation type, operating status, other income frequency, other income type, ownership, phone number type, portfolio type, position title, rate, reason left employment, relationship, salary frequency, special comments, and terms frequency.
  • Other codes associated with information fields may also be used within the scope of the invention.
  • each of databases 20 may comprise a relational database system correlating customer information to consumer and commercial information in the database.
  • a relational database system correlating customer information to consumer and commercial information in the database.
  • the Oracle ⁇ relational database sold commercially by Oracle Corp. may be used.
  • Other databases such as DB2 or other data storage or query formats such as SQL may also be used in the present invention.
  • Central credit system 16 may also share credit information with other foreign credit systems 24.
  • Foreign credit systems 24 may store information in a different format as well.
  • another format translator 22 may be used to translate information stored at central credit system 16 to another format as used by foreign credit system 24.
  • format translator 22 may comprise an element of central credit system 16, a stand-alone unit or may comprise an adaptation to foreign credit systems 24.
  • Format translator 22 may operate in a reverse fashion to that of format translator 14.
  • a credit system implemented according to the invention is able to report a single consumer's credit history even if the consumer moves to different countries. For example, a consumer that is born in Mexico, moves to the United States and then moves to Argentina may have credit history in all of those countries. When that consumer applies for credit in Argentina, according to the invention credit history information stored for that individual may be retrieved from Mexico and the United States and may be reported to an Argentinian credit provider in the local currency. Or, other currency denominations may be presented through use of the currency codes and conversion tables.
  • Different currency denominations may be presented for different periods of time based on the date of the amounts stored in the database.
  • the conversion tables may be updated periodically based on currency exchange rates at the time. For example, an outstanding balance reported in dollars in the United States could be reported to the Argentinian credit provider in United States Dollars or Argentinian Pesos, or any other currency that the credit provider desires.
  • system 100 may comprise another facilitating its use in any part of the world.
  • customer systems 10 may comprise a report requesting element 42.
  • Report requesting element 42 may comprise a software-based module that presents a user at customer system 10 with a plurality of queries for input, thereby allowing the user to select the type of report requested.
  • Report requesting element 42 may then accept relevant information about the potential new account holder from the user at customer system 10, and transmit that information to central credit system 16.
  • Report requesting element 42 may include standalone or network enabled code such Hyper text Markup Language (HTML), Dynamic HTML, Extensible Markup Language (XML), Java, Jini, C, C++, Perl, UNIX Shell, Visual Basic or Visual Basic Script, Virtual Reality Markup Language (VRML) or other technology including compilers, assemblers, interpreters or other computer languages.
  • Report requesting element 42 may also include a graphical user interface
  • GUI for use in connection with a computer display.
  • System 100 may store graphical user interface displays and code tables listing the meaning of the various codes used in the system in multiple languages either at customer system 10, central credit system 16, or both. Through GUI selection unit 44, a user at customer system 10 may then select a preferred language from the stored GUI displays. Accordingly, the system may accommodate all language users through one selection, rather than having to have the system reprogrammed for each different country.
  • GUI selection unit 44 may cooperate with a database either at customer system 10 or at central credit system 16 that stores the various GUI displays and code tables and may retrieve the selected language GUI display and code table upon request by a user. The format for the GUI retrieved from the database of GUIs is then displayed to the user. A user in Mexico may therefore be able to use report requesting element 42 through GUIs in Spanish, English or Portuguese, for example, if desired.
  • customer system 10 may comprise a graphical user interface for enabling a user at customer system 10 to initiate transmission of customer credit information to central credit system 16.
  • GUI selection system 44 may be used to modify the language of GUIs used to generate those requests as well. Another aspect of the invention permits selection of the language of the reports generated by central credit system 16.
  • Central credit system 16 may comprise a report language determination unit 40 to enable selection of the language of the report to be generated. Again, a plurality of report formats may be stored corresponding to each potential language. A user, through customer system 10 or an operator at central credit system 16, may input a selection for the language of the report.
  • a database table that stores language codes for the report and the actual text corresponding to each language code may be used to store the textual information to be output on the report.
  • the report then uses the language type selected to choose the appropriate textual output for the report when generating the report for that user.
  • one user may desire to see a particular potential new account holder's credit history in English and U.S. Dollars, whereas another user, for example, a potential credit issuer in Mexico, may desire to see the credit history in Spanish and Pesos.
  • the English user may select English and U.S. Dollars through report language determination unit 40 which then generates a report listing headings for consumer, account number, address, etc. in English. Further, all currency fields may then be reported in dollars, by collecting the currency fields for that consumer from the database, using the currency code associated with the currency value and translating that currency, if necessary, to U.S. Dollars and outputting that information in the report.
  • FIG. 5 A flow chart illustrating the credit update processing of the invention is illustrated in Fig. 5.
  • processing begins.
  • a request for information or notification of update is received from a client, such as foreign credit system 24.
  • the format of the remote credit information format is determined, such as ICCIF or a native format to the foreign location.
  • step 206 if the credit update or request is not in a universal format such as ICCLF the foreign credit information is translated to universal format including by means of format translator 14, format translator 22.
  • step 208 the desired credit fields are updated or retrieved.
  • step 210 the resulting credit fields are translated back to foreign format if necessary.
  • step 212 the resulting credit information is transmitted to foreign credit system 24 or other client.
  • step 214 processing ends.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Data Mining & Analysis (AREA)
  • Databases & Information Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Machine Translation (AREA)

Abstract

L'invention concerne un système de mise à jour (16) de crédit, permettant d'échanger et de mettre à jour, de manière continue, des fichiers de crédits mémorisés dans différents formats et éventuellement dans différents pays, sans conversion de la part de l'utilisateur final. Une centrale d'informations (20) de crédit mémorise des informations de crédit dans un format universel, tel que le format ICCIF formulé par Equifax, In., et contient un module interprète (40) destiné à accepter et mettre en correspondance des données des systèmes de crédit (24) étrangers idiosyncrasiques avec une base de données. Le client (10a) du système de crédit, tel des banques émettant des cartes de crédit, peut spécifier une langue, une monnaie, un taux de change et d'autres informations en fonction de ses besoins. La mise à jour d'un fichier de crédit de système à système est améliorée.
EP99943734A 1998-08-20 1999-08-19 Systeme et procede permettant de transmettre des informations de credit de systeme a systeme Withdrawn EP1114380A4 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US9732998P 1998-08-20 1998-08-20
US97329P 1998-08-20
US37629499A 1999-08-18 1999-08-18
US376294 1999-08-18
PCT/US1999/018725 WO2000011586A1 (fr) 1998-08-20 1999-08-19 Systeme et procede permettant de transmettre des informations de credit de systeme a systeme

Publications (2)

Publication Number Publication Date
EP1114380A1 EP1114380A1 (fr) 2001-07-11
EP1114380A4 true EP1114380A4 (fr) 2001-11-28

Family

ID=26793124

Family Applications (1)

Application Number Title Priority Date Filing Date
EP99943734A Withdrawn EP1114380A4 (fr) 1998-08-20 1999-08-19 Systeme et procede permettant de transmettre des informations de credit de systeme a systeme

Country Status (4)

Country Link
EP (1) EP1114380A4 (fr)
AU (1) AU5677199A (fr)
CA (1) CA2341039A1 (fr)
WO (1) WO2000011586A1 (fr)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7991688B2 (en) * 2000-11-14 2011-08-02 Knowledge Works Inc. Methods and apparatus for automatically exchanging credit information
US20110119178A1 (en) * 2009-11-18 2011-05-19 American Express Travel Related Services Company, Inc. Metadata driven processing
US8332378B2 (en) 2009-11-18 2012-12-11 American Express Travel Related Services Company, Inc. File listener system and method
CN110020940A (zh) * 2019-04-02 2019-07-16 中电科大数据研究院有限公司 信用名单的处理方法、装置、设备及存储介质

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4868866A (en) * 1984-12-28 1989-09-19 Mcgraw-Hill Inc. Broadcast data distribution system

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5274547A (en) * 1991-01-03 1993-12-28 Credco Of Washington, Inc. System for generating and transmitting credit reports
US5930776A (en) * 1993-11-01 1999-07-27 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5611052A (en) * 1993-11-01 1997-03-11 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5878403A (en) * 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4868866A (en) * 1984-12-28 1989-09-19 Mcgraw-Hill Inc. Broadcast data distribution system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO0011586A1 *

Also Published As

Publication number Publication date
WO2000011586A8 (fr) 2000-05-25
WO2000011586A9 (fr) 2000-07-13
AU5677199A (en) 2000-03-14
WO2000011586A1 (fr) 2000-03-02
CA2341039A1 (fr) 2000-03-02
EP1114380A1 (fr) 2001-07-11

Similar Documents

Publication Publication Date Title
US6192381B1 (en) Single-document active user interface, method and system for implementing same
USRE37730E1 (en) Computer method for collecting on money judgments
US20070011090A1 (en) Electronic exchange and settlement system for cash letter adjustments for financial institutions
EP0683465A2 (fr) Réseau médical à accès à distance
US20030009418A1 (en) Systems and methods for electronically verifying and processing information
US20040064404A1 (en) Computer-based method for automatic remote coding of debtor credit databases with bankruptcy filing information
CA2524062A1 (fr) Production de recus electroniques sur le point de vente
US20080091700A1 (en) Network-based document generation and processing
WO2004095324A2 (fr) Systeme informatique destine a fournir des donnees d'informations de credit
Vehorn 5 Tax Administration
US7054833B1 (en) Method and system for processing unclaimed property information
WO1998009237A1 (fr) Systeme de diffusion et d'archivage d'informations sur l'entreprise
US20040138973A1 (en) Method and system for exchange of currency related instructions
US20050091135A1 (en) System and method for intelligent document generation and printing
EP1114380A1 (fr) Systeme et procede permettant de transmettre des informations de credit de systeme a systeme
US20050189410A1 (en) System and method for calculating applicable recording charges for a transaction
US20030014384A1 (en) Document exchange system
US20040167835A1 (en) Record keeping system supporting tax determination
KR100428053B1 (ko) 인터넷을 이용한 유가증권 결제 시스템
CN114462982B (zh) 一种财务凭证自动生成方法及装置、电子设备及存储介质
JPH10134125A (ja) 入金データ変換方法、及び入金データ変換システム
Corfmat et al. Computerization of Customs Procedures
EP1434155A1 (fr) Procédé et système pour la génération automatique d'un bilan électronique
JPH08202786A (ja) データ処理装置
Filing Volume II

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20010316

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE

AX Request for extension of the european patent

Free format text: AL;LT;LV;MK;RO;SI

A4 Supplementary search report drawn up and despatched

Effective date: 20011017

AK Designated contracting states

Kind code of ref document: A4

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN WITHDRAWN

18W Application withdrawn

Withdrawal date: 20020109