KR20150024320A - Credit behavior network mapping - Google Patents

Abstract

The method includes receiving an identifier of a first entity, performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity, performing a first search of the third entity Performing a second search of the database that returns an identifier and configuring a data structure in the storage device that defines the path between the first entity and the third entity via the second entity. The method may be executed by an apparatus having a processor and a memory having instructions. These instructions, when read by the processor, cause the processor to perform the method described above.

Description

Credit Form Network Mapping {CREDIT BEHAVIOR NETWORK MAPPING}

This disclosure relates to credit evaluation, and more particularly to a credit form network mapping procedure.

The approach described in this section is an approach that can be pursued, but it is not necessarily an approach that has been considered or pursued in advance. Thus, unless stated otherwise, the approach described in the present disclosure may not be prior art to the claims of the present application and is not considered to be prior art by the inclusion of the subject matter.

Traditional techniques for credit or credit scores, such as the FICO (Fair Isaac Corporation Credit Score), indicate the likelihood that a company will pay its current debt. Lenders, such as banks and credit card companies, use credit scores to assess the potential risks posed by lending money to consumers. The widespread use of credit scores is more widely available and cheaper for consumers.

FICO scores and other similar skills analyze the company's financial history to generate credit scores. For example, FICO may be a company with a variety of factors such as payment history, credit utilization, duration of credit history, type of credit used, such as installments, revolving, consumer finance and mortgages, recent searches for credit, To analyze the financial history of

However, the FICO assessment only analyzes the financial history of a single company to generate credit scores. Ultimately, this limits the scope of the FICO assessment and also fails to recognize and consider factors related to a more global supply chain.

Therefore, there remains a need for a broader, global assessment of the credit form for the company.

The approach described in this section is an approach that can be pursued, but it is not necessarily an approach that has been considered or pursued in advance. Thus, unless stated otherwise, the approach described in the present disclosure may not be prior art to the claims of the present application and is not considered to be prior art by the inclusion of the subject matter.

In the present invention, a credit form network mapping procedure is provided for evaluating a cash flow, i.e., an account receivable for a business.

The present invention also includes a method for performing a method comprising: receiving an identifier of a first entity; performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity; Performing a second search of the database that returns an identifier of the third entity and configuring a data structure within the storage device that defines the path between the first entity and the third entity via the second entity / RTI >

Further, in the present invention, the method includes receiving an identifier of a first entity, performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity, Performing a second search of the database that returns an identifier and configuring a data structure in the storage device that defines the path between the first entity and the third entity via the second entity.

The method further includes receiving an identifier of the first entity, performing a first search of the database that returns an identifier of a second entity hierarchically related to the first entity, Performing a second search of the database that returns an identifier of the third entity and configuring a data structure within the storage device that defines the path between the first entity and the third entity via the second entity, / RTI >

The present invention also provides a method of transmitting a message comprising: receiving an identifier of a first entity; performing a first search of a database for returning an identifier of a second entity for which a credit inquiry is made to the first entity; Performing a second search of the database that returns an identifier of the third entity and configuring a data structure within the storage device that defines the path between the first entity and the third entity via the second entity, / RTI >

According to another aspect of the present invention, there is provided an information processing method comprising the steps of: receiving an identifier of a first entity; Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity; Performing a second search of the database for returning an identifier of a third entity for which a credit inquiry is made to the second entity; And configuring a data structure within the storage device that defines a path between the first entity and the third entity via the second entity.

According to another aspect of the present invention, there is provided an information processing method comprising the steps of: receiving an identifier of a first entity; Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity; Performing a second search of the database for returning an identifier of a third entity for which a credit inquiry is made to the second entity; And configuring a data structure within the storage device that defines a path between the first entity and the third entity via the second entity.

Further, in the present invention, an apparatus for executing the above-described method is provided. The apparatus includes a processor and a memory. The memory includes instructions that can be read by the processor and cause the processor to perform operations of the steps of the method described above when read by the processor.

There is also a non-volatile storage medium containing instructions that can be read by the processor. These instructions, when read by the processor, cause the processor to perform the operations of the provided method.

1 shows a system for generating a credit form network map;
2 is a diagram showing an example of a financial relationship map;
Figure 3 shows another financial relationship map;
4 is a diagram showing another example of a financial relationship map;
5 illustrates a method for evaluating the credit form of an entity;
Figure 6 illustrates another method for evaluating the credit form of an entity;
Figure 7 illustrates another method for evaluating the credit form of an entity;
8 is a diagram illustrating another method for evaluating the credit form of an entity;
Figure 9 illustrates another method for evaluating the credit form of an entity;
The components or features common to one or more of the figures are designated by the same reference numerals in the respective figures.

This disclosure describes a method and system for providing a forward looking credit network map that provides financial data for a company of interest through a monitoring company with various separations. This anticipated credit network map provides a globally accurate financial model that identifies, for example, credit interruptions at various points in the credit supply chain and can relate these outages to the ultimate impact on the operations of interested companies .

Referring to the drawings, and particularly to FIG. 1, a system 100 for generating a credit form network map is provided.

Figure 1 includes a computer 105 that is connected to a user terminal 130 and a database via a network 135. [

A database can be one or more physical databases. Collectively, the database includes a credit inquiry 137, trade data 140, business link 145, business parameters 150, credit network map 155 and output parameters 160.

The computer 105 further includes a processor 110 in communication with the memory 115. The memory 115 includes a program module 120. The processor consists of a logic circuit that responds to instructions and executes instructions. The term "module" is used herein to designate a functional operation that may be implemented as a sole component or as an integrated configuration of a plurality of sub-components.

Although a system 100 having instructions for the method of the present disclosure set forth in the memory 115 is described herein, the instructions may be explicitly implemented on an external computer readable storage medium 125 for sequential loading into the memory 115 . The storage medium 125 includes a floppy disk, a compact disk, a magnetic tape, a read only memory (ROM), an optical storage medium, a universal serial bus (USB) flash drive, a digital versatile disc (DVD) And may be any conventional storage medium that is not limited. The instructions may be embodied in a random access memory (RAM), or other type of electronic storage medium, disposed in a remote storage system and coupled to memory 115.

Also, although the program module 120 is described herein as being set up in the memory 115 and implemented in software, it may be implemented in any of hardware (e.g., electronic circuitry), firmware, software, .

The credit inquiry 137 stores data such as a request by a loan order to search for a credit history for a company of ordinary interest, a renter or an employer. A credit inquiry may also include a request from a third party for credit history, for example, perspective lenders. The credit inquiry 137 stores data indexed by a company for which credit history is typically requested, for example, a company of interest.

Trade data 140 includes financial data for the company, such as account data. Receivable account data is information such as the amount owed to a particular company by the debtor of the company. The receivable account data also identifies the entity as a debtor to the creditor and marks the amount of credit. The receivable account data is usually indexed according to the creditor information and includes a receivable account for the supplier of the company of particular interest. Under the command of the program module 120, the processor 110 receives the numeric account data from the company and populates the trade data 140.

Enterprise Linkage 145 includes enterprise relationship data for the company. The business relationship data is a hierarchical relationship between the affiliates of the company of interest, and also the affiliates of the supplier of the company of interest. For example, the enterprise link 145 includes hierarchical relationship identifiers such as parent company, subsidiary company, branch office, business partner, and subsidiary company, for example, a company having a common parent company, and an affiliate other than the parent company.

The business parameters 150 include bankruptcy data, company statistical data, inquiry data, and company market cap data. The bankruptcy data include indicators of the supplier at the time of bankruptcy. Company statistical data includes company data such as the number of employees, industry type and size. The inquiry data includes information about the company that makes inquiries about the company of interest, and also the number of companies that make inquiries about the company of interest, for example, figures. The market cap data includes the market cap information of the company at various times, for example, daily, weekly and monthly.

The credit network map 155 includes a financial relationship map for interested companies and affiliated companies separated by various segregations. Typically, the financial relationship map expresses the cash flows and trends of the suppliers of the interested company and of the supplying companies of the supplying company. A supplier is a company that offers goods or provides businesses that are of interest. The supply companies include utilities, temporary staff agencies and office supply companies. The financial relationship map may also include hierarchically related companies, as well as suppliers of supply companies and supply companies to the hierarchically related companies. Examples of the financial relationship map are shown in Figs. 2 and 3 and will be described below.

The output parameter 160 is the evaluation result of the entity 205. For example, the output parameter 160 may include a change in the market value of the entity 205 or a delta.

The user terminal 130 is an input / output device capable of receiving an input from a user and outputting a result to a user. For example, the user terminal 130 may include a keyboard or a speech recognition subsystem to allow a user to communicate information and command selections with the processor 110. The user terminal 130 also includes an output device such as a display or a printer. Cursor control, such as a mouse, trackball, or joystick, allows the user to manipulate the cursor on the display to communicate additional information and command selections to the processor 110.

FIG. 2 is an example of a financial relationship map, for example, a credit network map 200. FIG. The credit network map 200 shows the credit supply for a global supply chain, e.g., a particular company of interest, i. E. The credit network map 200 illustrates a company that shares various separations, particularly with respect to the entity 205. Financial information provided by various branches of the global credit supply chain, such as a company, ultimately ultimately affects the financial health of the entity 205, for example, the credit risk of the entity 205.

Companies within a global supply chain that share diverse segregations with entities 205 include companies such as creditors, hierarchically related companies, and industry peers. Eventually, the financial health of each of these companies may provide a precautionary alert to the entity 205.

The creditor of the entity 205 includes an entity 210 and an entity 220. In addition, the credit network map 200 provides additional companies within the global supply chain, such as creditor creditors. The entity 215 is the creditor of the entity 210 and the entity 225 is the creditor of the entity 220 and the entity 240 is the creditor of the entity 235. The dashed line connected to each of entities 215, entities 225 and entities 24 represents the creditors of an infinite number of creditors in the global supply chain. That is, the credit network map 200 may be extended to include any desired depth or width of the associated company.

A company with a hierarchical relationship to an entity 205 includes an entity 230. This hierarchical relationship can include parent company relationships, subsidiary relationships, or affiliate relationships that are neither parent nor subsidiary. As shown, the entity 230 is a subsidiary of the entity 205.

In addition, the credit network map 200 includes an identical entity 250 of the entity 205. The job 250 is a company from the same industry as the entity 205 and is summarized as a comparison group for the entity 205.

The processor 110 executes instructions from the program module 120 to produce a financial network map 155, such as the credit network map 200 provided in FIG.

For example, instructions from program module 120 perform a first search of the database in which processor 110 receives an identifier of a first entity and returns an identifier of a second entity having a relationship with the first entity , And to perform a second search of the database that returns the identifier of the third entity that is the creditor of the second entity. These instructions also allow the processor 110 to configure a data structure in the storage device that defines the path between the first entity and the third entity via the second entity.

Referring to the credit network map 200, the first entity may be an entity 205, the second entity may be an entity 210, and the third entity may be an entity 215. The first search returns the identifier of the entity 210, the second search returns the identifier of the entity 215, and the entity 215 is the creditor of the entity 210. The relationship between the entity 210 and the entity 205 is that the entity 210 is the creditor of the entity 205. The credit network map 200 also shows a data structure that defines the path between the entity 205 and the entity 215 via the entity 210.

Instructions from program module 120 may be used by processor 110 as a feature of a third entity, e.g., entity 215 and entity 235, e.g., as a function of a cash flow, 205), for example credit risk.

Also, the first search may return a first credit amount extending from the second entity, e.g., entity 210, to the first entity, e.g., entity 205, and the second search may return the third entity, For example, a second credit amount extending from entity 215 to a second entity, e.g., entity 210.

In another embodiment, the second entity may be hierarchically related to the first entity. For example, the second entity may be an entity 230, i.e., a subsidiary of the entity 205. Thus, when the processor 110 performs a first lookup of the database to return the identifier of the second entity, the processor 110 returns the identifier of the entity 210 and the processor 110 returns the identifier of the second entity To return the identifier of the third entity, the processor 110 returns the identifier of the entity 235. [

FIG. 3 shows another financial relationship map, for example, a credit network map 300.

The credit network map 300 is another embodiment of a global financial chain relating to the entity 205. [ In particular, the credit network map 300 also shows an inquiry company interested in the entity 205 or entity 230 through a credit inquiry, and also a creditor of a company associated with the inquiry company, e.g., an inquiry company.

The processor 110 executes instructions from the program module 120 to produce a financial network map 155, such as a credit network map 300. Commands from the program module 120 that cause the processor 110 to calculate the credit network map 200 are likewise employed to calculate the credit network map 300.

Specifically, these instructions perform a first search of the database in which the processor 110 receives the identifier of the first entity and returns an identifier of the second entity having a relationship with the first entity, To perform a second search of the database for returning the identifier of the third entity that is the second entity and to configure a data structure in the storage device that defines the path between the first entity and the third entity via the second entity. These instructions may also cause the processor 110 to evaluate the characteristics of the first entity as a function of the features of the third entity.

For example, the identifier of the first entity may be the entity 205. The first search returns the identifier of the entity 305, e.g., the second entity having a relationship with the first entity. The relationship between the entity 205 and the entity 305 is that the entity 305 is the maker of the credit inquiry for the entity 205. The second retrieval of the database returns the identifier of the third entity, which is the creditor of the entity 310, e.g., the second entity. The second search also returns a credit amount extending from the entity 310 to the entity 305. The credit network map 300 includes data that defines the path between an entity 305, e.g., an entity 205 via a second entity, e.g., a first entity and an entity 310, e.g., The structure is also shown. The credit network map 300 may further include an identifier of the entity 205, an identifier of the entity 305, an identifier of the entity 310 and a credit amount extending from the entity 310 to the entity 305.

In yet another embodiment, instructions from program module 120 are stored in a database 110 that causes processor 110 to receive an identifier of a first entity and to return an identifier of a second entity that is hierarchically related to the first entity Performing a second search of the database that returns an identifier of a third entity for which a credit inquiry is made to the second entity and for defining a path between the first entity and the third entity via the second entity The data structure can be configured in the storage device. In addition, these instructions may cause the processor 110 to evaluate the characteristics of the first entity as a function of the features of the third entity.

For example, the first entity is the entity 205 and the second entity is the entity 230. The entity 230 is hierarchically related to the entity 205 since it is a subsidiary of the entity 205. The second search may return the identifier of the entity 325 since the entity 325 has made a credit inquiry to the entity 230. The credit network map 300 includes data that defines the path between an entity 230, e.g., an entity 205 via a second entity, e.g., a first entity and an entity 325, e.g., Lt; / RTI > This feature may also be a credit risk of the entity 205 as a function of the entity 325. [

Figure 4 is another example of a financial relationship map, e.g., a credit network map 400.

The credit network map 400 illustrates a global supply chain, e.g., credit, for a particular company, entity 205 of interest. The credit network map 400 specifically illustrates a company that shares various separations with respect to an entity 205, such as an entity 405 and an entity 410. Entity 405 is the creditor of entity 205 and entity 410 is the maker of the credit inquiry to entity 405. [

The processor 110 executes instructions from the program module 120 to the credit network map 400.

In particular, these instructions perform a first search of the database in which the processor 110 receives the identifier of the first entity and returns the identifier of the second entity, which is the creditor of the first entity, A second search of the database for returning the identifier of the third entity in which the first entity and the second entity are located and configures a data structure in the storage device that defines the path between the first entity and the third entity via the second entity.

For example, referring to FIG. 4, the identifier of the first entity may be the entity 205. The first search returns the identifier of the entity 405, e.g., the creditor of the first entity. The second search returns the identifier of the third entity for which a credit inquiry is made to the entity 410, e.g., the entity 405 (the second entity). 4 also shows the data structure configured in the storage device, which defines the path between the entity 205 and the entity 410 via the connection line.

In yet another embodiment, these instructions may be enabled to evaluate a feature of a first entity as a function of a feature of a third entity. In addition, the first search may return a first credit amount extending from the second entity to the first entity, and when the processor constructs the data structure, the processor may determine the identifier of the first entity, 3 < / RTI > entity, and a credit amount.

For example, the processor 110 may evaluate the characteristics of the entity 205, i. E. The credit risk of the first entity, as a function of the credit risk of the entity 410, i. E.

5 is a method, or method 500, for evaluating the credit form of an entity.

In particular, the method 500 refers to the relationships between the entities shown in the financial relationship map 200 of FIG. Specifically, the method 500 refers to the relationship between the entity 205, the entity 210 and the entity 215. Entity 210 is the creditor of entity 205 and entity 215 is the creditor of entity 210. [

The method 500 begins at step 505. Step 505 provides for receiving an identifier of the first entity, e.g., entity 205. [ After step 505, the method 500 proceeds to step 510.

Step 510 provides for retrieving the database for a second entity, e. G. Entity 210 that is a creditor of the first entity. After step 510, the method 500 proceeds to step 515.

Step 515 provides for retrieving the database for the entity 215, which is the creditor of the third entity, e.g., the second entity. After step 515, the method 500 proceeds to step 520.

Step 520 provides for configuring a data structure that defines the path between the first entity and the third entity via the second entity. After step 520, the method 500 proceeds to step 525.

Step 525 provides for evaluating the characteristics of the first entity as a function of the features of the third entity. After step 525, the method 500 ends.

Figure 6 is another method, i.e., method 600, for evaluating the credit form of an entity.

In particular, the method 600 refers to the relationship between the entries shown in the financial relationship map 200 of FIG. Specifically, the method 600 refers to the relationship between the entity 205, the entity 230 and the entity 235. The entity 230 is hierarchically related to the entity 205 and the entity 235 is the creditor of the entity 230.

The method 600 begins at step 605. Step 605 provides for receiving an identifier of the first entity, e.g., entity 205. [ After step 605, the method 600 proceeds to step 610.

Step 610 provides for retrieving the database for a second entity, e. G., An entity 230 that is hierarchically related to the first entity. After step 610, the method 600 proceeds to step 615.

Step 615 provides for retrieving the database for the entity 235, which is the creditor of the third entity, e.g., the second entity. After step 615, the method 600 proceeds to step 620.

Step 620 provides for constructing a data structure that defines the path between the first entity and the third entity via the second entity. After step 620, the method 600 proceeds to step 625.

Step 625 provides for evaluating the characteristics of the first entity as a function of the features of the third entity. After step 625, the method 600 ends.

Figure 7 is another method for evaluating the credit form of an entity.

In particular, the method 700 refers to the relationship between the entries shown in the financial relationship map 300 of FIG. Specifically, the method 700 refers to the relationship between the entity 205, the entity 305 and the entity 310. The entity 305 is the maker of the credit inquiry for the entity 205 and the entity 310 is the creditor of the entity 305.

The method 700 begins at step 705. Step 705 provides for receiving the identifier of the first entity, e.g., entity 205. [ After step 705, the method 700 proceeds to step 710.

Step 710 provides for retrieving the database for a second entity, e. G., Entity 305 where a credit inquiry is made to the first entity. After step 710, the method 700 proceeds to step 715. [

Step 715 provides for retrieving the database for an entity 310 that is a creditor of a third entity, e.g., a second entity. After step 715, the method 700 proceeds to step 720.

Step 720 provides for configuring a data structure that defines the path between the first entity and the third entity via the second entity. After step 720, the method 700 proceeds to step 725.

Step 725 provides for evaluating the characteristics of the first entity as a function of the features of the third entity. After step 725, the method 700 ends.

Figure 8 is another method for evaluating the credit form of an entity.

In particular, the method 800 refers to the relationship between the entries shown in the financial relationship map 400 of FIG. Specifically, method 400 refers to the relationship between entity 205, entity 405 and entity 410. Entity 405 is the creditor of entity 205 and entity 410 is the maker of the credit inquiry to entity 405. [

The method 800 begins at step 805. Step 805 provides for receiving the identifier of the first entity, e.g., entity 205. [ After step 805, the method 800 proceeds to step 810.

Step 810 provides retrieving the database for the entity 405, which is the creditor of the second entity, e.g., the first entity. After step 810, the method 800 proceeds to step 815.

Step 815 provides retrieving the database for the entity 410, which is the maker of the credit inquiry for the third entity, e.g., the second entity. After step 815, the method 800 proceeds to step 820. [

Step 820 provides for configuring a data structure that defines the path between the first entity and the third entity via the second entity. After step 820, the method 800 proceeds to step 825.

Step 825 provides for evaluating the characteristics of the first entity as a function of the features of the third entity. After step 825, the method 800 ends.

Figure 9 is another method for evaluating the credit form of an entity.

In particular, the method 900 refers to the relationship between the entries shown in the financial relationship map 300 of FIG. Specifically, method 900 refers to the relationship between entity 205, entity 230 and entity 325. The entity 230 is hierarchically related to the entity 205 and the entity 325 is the maker of the credit inquiry to the entity 230.

The method 900 begins at step 905. Step 905 provides for receiving the identifier of the first entity, e.g., entity 205. [ After step 905, the method 900 proceeds to step 910.

Step 910 provides for retrieving the database for a second entity, e. G., Entity 230 that is hierarchically related to the first entity. After step 910, the method 900 proceeds to step 915. [

Step 915 provides for retrieving the database for the entity 325 where the credit inquiry for the third entity, e.g., the second entity, is made. After step 915, the method 900 proceeds to step 920. [

Step 920 provides for constructing a data structure that defines the path between the first entity and the third entity via the second entity. After step 920, the method 900 proceeds to step 925.

Step 925 provides for evaluating the characteristics of the first entity as a function of the features of the third entity. After step 925, the method 900 ends.

The techniques described herein are illustrative and are not to be construed as indicating any specific limitation with respect to this disclosure. It should be understood that various substitutions, combinations, and alterations may occur to those skilled in the art. For example, the steps associated with the process described herein may be performed in any order, so long as the steps themselves are not specified or enforced. This disclosure is intended to cover all such alternatives, modifications and variations that fall within the scope of the appended claims.

Claims (60)

Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > The method according to claim 1,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. The method according to claim 1,
Wherein the relationship is that the second entity is a creditor of the first entity,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the amount of the first credit amount (amount of the first entity); and credit, and (e) the second credit amount in the data structure. The method according to claim 1,
The relationship being that the second entity is hierarchically related to the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring step comprises the steps of: (a) identifying the identifier of the first entity, (b) the identifier of the second entity, (c) the identifier of the third entity, and (d) . The method according to claim 1,
Wherein the relationship is that the second entity performs a credit inquiry for the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring step comprises the steps of: (a) identifying the identifier of the first entity, (b) the identifier of the second entity, (c) the identifier of the third entity, and (d) . Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > The method according to claim 6,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. The method according to claim 6,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the first credit amount; and (d) the second credit amount. The method of claim 1, e) the second credit amount is included in the data structure. Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > 10. The method of claim 9,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. 10. The method of claim 9,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring step comprises the steps of: (a) identifying the identifier of the first entity, (b) the identifier of the second entity, (c) the identifier of the third entity, and (d) . Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity for which a credit inquiry for the first entity is made;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > 13. The method of claim 12,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. 13. The method of claim 12,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring step comprises the steps of: (a) identifying the identifier of the first entity, (b) the identifier of the second entity, (c) the identifier of the third entity, and (d) . Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > 16. The method of claim 15,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. 16. The method of claim 15,
The first search also returns a first credit amount extending from the second entity to the first entity,
Wherein the configuring step comprises the steps of: (a) identifying the identifier of the first entity, (b) the identifier of the second entity, (c) the identifier of the third entity, and (d) . Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring within the storage device a data structure defining a path between the first entity and the third entity via the second entity
≪ / RTI > 19. The method of claim 18,
And evaluating a characteristic of the first entity as a function of the characteristic of the third entity. 19. The method of claim 18,
Wherein the configuring comprises including in the data structure: (a) the identifier of the first entity; (b) the identifier of the second entity; and (c) the identifier of the third entity. A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 22. The method of claim 21,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 22. The method of claim 21,
Wherein the relationship is that the second entity is a creditor of the first entity,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the first credit amount; and (d) the second credit amount. The method of claim 1, e) the second credit amount is included in the data structure. 22. The method of claim 21,
The relationship being that the second entity is hierarchically related to the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) . 22. The method of claim 21,
Wherein the relationship is that the second entity performs a credit inquiry for the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) . A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 27. The method of claim 26,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 27. The method of claim 26,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the first credit amount; and (d) the second credit amount. The method of claim 1, e) the second credit amount is included in the data structure. A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 30. The method of claim 29,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 30. The method of claim 29,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) . A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity for which a credit inquiry for the first entity is made;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 33. The method of claim 32,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 33. The method of claim 32,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) . A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 36. The method of claim 35,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 36. The method of claim 35,
The first search also returns a first credit amount extending from the second entity to the first entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) . A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
. ≪ / RTI > 39. The method of claim 38,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 39. The method of claim 38,
Wherein the configuring comprises in the data structure: (a) the identifier of the first entity, (b) the identifier of the second entity, and (c) the identifier of the third entity. Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 42. The method of claim 41,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 42. The method of claim 41,
Wherein the relationship is that the second entity is a creditor of the first entity,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the first credit amount; and (d) the second credit amount. The method of claim 1, and e) the second credit amount is included in the data structure. 42. The method of claim 41,
The relationship being that the second entity is hierarchically related to the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) Lt; RTI ID = 0.0 > a < / RTI > 42. The method of claim 41,
Wherein the relationship is that the second entity performs a credit inquiry for the first entity,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) Lt; RTI ID = 0.0 > a < / RTI > Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor
A processor; And
A memory containing instructions readable by the processor,
Including,
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 47. The method of claim 46,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 47. The method of claim 46,
The first search also returns a first credit amount extending from the second entity to the first entity,
The second search also returns a second credit amount extending from the third entity to the second entity,
(C) the identifier of the third entity; (d) the first credit amount; and (d) the second credit amount. The method of claim 1, and e) the second credit amount is included in the data structure. Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor
A processor; And
A memory containing instructions readable by the processor,
Including,
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 50. The method of claim 49,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 50. The method of claim 49,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) Lt; RTI ID = 0.0 > a < / RTI > Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor
A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity for which a credit inquiry for the first entity is made;
Performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 53. The method of claim 52,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 53. The method of claim 52,
The second search also returns a credit amount extending from the third entity to the second entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) Lt; RTI ID = 0.0 > a < / RTI > Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor to: And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity that is a creditor of the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 56. The method of claim 55,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 56. The method of claim 55,
The first search also returns a first credit amount extending from the second entity to the first entity,
Wherein the configuring comprises: (a) identifying the identifier of the first entity, (b) identifying the identifier of the second entity, (c) identifying the identifier of the third entity, and (d) Lt; RTI ID = 0.0 > a < / RTI > Comprising instructions readable by a processor,
Wherein the instructions, when read by the processor, cause the processor
A processor; And
A memory including instructions readable by the processor,
/ RTI >
Wherein the instructions, when read by the processor, cause the processor
Receiving an identifier of a first entity;
Performing a first search of a database that returns an identifier of a second entity hierarchically related to the first entity;
Performing a second search of a database that returns an identifier of a third entity for which a credit inquiry for the second entity is made; And
Configuring in the storage device a data structure that defines a path between the first entity and the third entity via the second entity
To perform a non-volatile storage medium. 59. The method of claim 58,
Wherein the instructions further cause the processor to perform an operation of evaluating a characteristic of the first entity as a function of a characteristic of the third entity. 59. The method of claim 58,
Wherein the configuring comprises: (a) storing the identifier of the first entity, (b) the identifier of the second entity, and (c) the identifier of the third entity in a non- .

Images