ZA200903243B - A method of processing a credit application - Google Patents
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- ZA200903243B ZA200903243B ZA200903243A ZA200903243A ZA200903243B ZA 200903243 B ZA200903243 B ZA 200903243B ZA 200903243 A ZA200903243 A ZA 200903243A ZA 200903243 A ZA200903243 A ZA 200903243A ZA 200903243 B ZA200903243 B ZA 200903243B
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- 230000015654 memory Effects 0.000 description 8
- 238000004590 computer program Methods 0.000 description 2
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- 238000004458 analytical method Methods 0.000 description 1
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Description
Title: A method of processing a credit application
Ne eee rr me —
THIS INVENTION relates to applications for credit and specifically to a method of processing a credit application, a method of applying for credit, and a system for processing a credit application.
The Applicant (of this patent application) is aware of the current practice whereby a credit applicant can apply for credit, in which the credit applicant fills out an application form, either a hard copy or an electronic : copy, of a credit provider. The credit provider then performs an inquiry on the credit applicant and processes the credit applicant's risk profile. ~~ The outcome of the process indicates whether the credit application is approved or declined.
This process can be lengthy and taxing on resources, especially if the credit provider processes numerous applications and needs to capture much information. The Applicant desires a solution to overcome or at least alleviate this problem.
Accordingly, the invention provides a method of processing a credit application, the method including:
® receiving an electronic request message from a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant; resolving from the request message a destination address to which the request message was sent; : interrogating a credit provider database which includes a plurality of destination addresses, each destination address associated with a credit provider and a related credit policy of the credit provider, thereby to determine a credit provider with whom the credit applicant seeks credit; determining, “based on the information of the credit applicant, an outcome of the credit application in accordance with the credit policy of the credit provider; and sending automatically an electronic response message indicative of the outcome of the credit application.
The request message may be received from a mobile communication device, such as a mobile or cellular telephone, a PDA (Personal Digital Assistant), or the like. The message may be sent across a telecommunications network, such as a cellular telecommunications network, in which case the request message may be an SMS (Short Message Service) message, a WAP (Wireless Application Protocol) message, a USSD (Unstructured Supplementary Service Data) message, or the like. Instead, or in addition, the telecommunications network may include the Internet, in which case, the request message may be an e-mail message, an IM (Instant
Message), or the like.
The response message may be sent in the same format in which the request message was received, and may be sent back to a source address of the request message. By “automatically” is meant that there is not necessarily any human intervention between receiving the request message and sending the response message.
® The information of the credit applicant may include at least the information identifying the credit applicant and the information indicative of income status of the credit applicant.
In an example embodiment, the request message may be an
SMS (or USSD) message which is sent to a destination address in the form of a telephone number. The telephone number may be a Short Code telephone number.
In another example embodiment, the request message may be a WAP message which is sent to a destination address in the form of a URL (Uniform Resource Locator) or web address.
The credit provider database may include a plurality of (Short
Code) telephone numbers, each uniquely associated with a credit provider and a related credit policy of that credit provider. Thus, resolving from the request message a destination address may include resolving the telephone number and thereafter interrogating the credit provider database to determine the credit provider, and related credit policy, associated with that particular telephone number.
It is thus to be appreciated that the method may include receiving a plurality of different request messages, the request messages having different destination addresses respectively associated therewith.
Instead of having a single credit provider uniquely associated with a particular credit policy, a plurality of credit providers may be associated with a single credit policy. For example, a credit policy may be developed for credit providers in a particular industry, such as clothing retail, micro lending, personal loans, asset finance, furniture, etc, and each credit provider within a particular industry may be associated with the same Short Code. Thus, the method may include providing a credit provider with the option of selecting
® either a generic credit policy suitable for their particular industry or a specific credit policy suitable for the particular credit provider.
Thus, the method may include the prior step of receiving a policy message from a credit provider or potential credit provider, indicative of a desired credit policy to be associated with that credit provider.
Determining the outcome of the credit application may be done in accordance with existing credit approval and risk vetting processes.
Optionally, the step of determining the outcome of the credit application may include automatically sending a query message to a credit bureau (which may be a remote third-party), so that the credit bureau can, in accordance with their usual procedure, determine an outcome of the credit application. The query message may include the information of the request message together with an indication of the credit provider's credit policy. The method may then include receiving an outcome message indicative of whether or not credit should be granted.
The method may include authenticating the credit applicant based on the information submitted by the credit applicant.
If desired, a particular credit provider or group of credit providers may specify that the request message is to include additional information, in accordance with their operational requirements. The method may include sending an error message requesting the credit applicant to resend the request message, this time with the correct information, if the request message does not include at least the basic information (i.e. information identifying the credit applicant and information indicative of income status of the credit applicant), and optionally the additional information specified by the particular credit provider. In an example embodiment, the information identifying the credit applicant may include a name and an identification number of the credit applicant, and information
I EE indicative of income status may include an income amount and an expense amount.
The outcome of the credit application. may include approving the credit application, rejecting the credit application, or referring the credit application.
The response message may include instructions directing the credit applicant to visit a premises of the credit provider if the credit application is approved or referred.
The method may include sending a notification message to the credit provider to notify the credit provider of the fact that the application has been received and of the details thereof if the credit application is approved.
The invention extends to a credit provider database as defined . above.
The invention extends to a method of applying for credit, the method including: sending an electronic request message by a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant, to a destination address which uniquely identifies a credit provider; and receiving automatically an electronic response message indicative of the outcome of the credit application.
The messages may be sent and received from a mobile : communications device, such as a cellular telephone. In such case, the messages may be in SMS, USSD, WAP or like format.
® The invention extends further to a computer-readable medium embodying a set of instructions which, when executed by a machine, causes the machine to perform a method as defined above.
The invention extends still further to a system for processing a credit application, the system including: a communication arrangement for sending and receiving electronic messages; a credit provider database which includes a plurality of destination addresses, each associated with a credit provider and a related credit policy of the credit provider; and a control module operable to: receive, via the communication arrangement, an electronic request message from a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant; resolve from the request message a destination address to which the request message was sent; interrogate the credit provider database, based on the destination address of the request message thereby to determine a credit provider with whom the credit applicant seeks credit; determine, based on the information of the credit applicant, an outcome of the credit application in accordance with the credit policy of the credit provider; and send automatically, via the communication arrangement, an electronic response message indicative of the outcome of the credit application.
The system may be embodied, at least partially, by a computer server. The system may include a processor and the control module may then be a conceptual module which corresponds to a functional task performed by the processor. To this end, the server may include a machine-
® readable medium, e.g. main memory, and/or a hard disk drive, which carries thereon a set of instructions to direct the operation of the processor, for example being in the form of a computer program. It is to be understood that the processor may be one or more microprocessors, controllers, or any other suitable computing device, resource, hardware, software, or embedded logic. Further, the system need not necessarily be consolidated into one device, but may be distributed among a number of devices.
The communication arrangement may be in contact with a telecommunications network thereby to send and receive messages. The telecommunications network may include a telephone network, such as a cellular telephone network, and/or the Internet. The communication arrangement may be configured to send and receive messages from a mobile communications device, such as a cellular telephone. The messages may then be in SMS, USSD, WAP or like format.
The credit provider database may be as defined above.
The control module may be operable to determine the outcome of the credit application credit application by: interrogating an existing credit profile database, based on the information identifying the credit applicant thereby to determine a credit history; and interrogating the credit provider database thereby to determine whether or not the applicant should be granted credit in accordance with the credit providers credit policy based on the income status and credit history of the credit applicant.
Alternatively, the control module may be operable to determine the outcome - by sending a query message, comprising at least the information of the request message, to a third party, such as a credit bureau, thereby to
® determine whether or not the credit applicant should be granted credit in accordance with the credit policy of the credit provider.
The invention will now be further described, by way of example, with reference to the accompanying diagrammatic drawings.
In the drawings,
Figure 1 shows a schematic view of a system for processing a credit application, in accordance with the invention;
Figure 2 shows a schematic view of a further version of the system of
Figure 1;
Figure 3 shows a flow diagram of a method of processing a credit application and of a method of applying for credit, both in accordance with : the invention; and
Figure 4 shows a diagrammatic representation of a machine in the example form of a computer system within which a set of instructions, for causing the machine to perform any one or more of the methodologies discussed herein, may be executed.
Referring now to Figure 1, reference numeral 100 generally indicates a system for processing a credit application, in accordance with the invention. In this example, the system 100 is embodied, at least partially, by a computer server 101. The server 101 includes a communication arrangement, which could be in the form of a network card or a modem, which is operable to send and receive electronic messages.
The server 101 further includes a processor 104 which, in turn, includes a control module 106. Accordingly, the server 101 includes a set of instructions, in the form of a computer program (not illustrated), to direct the operation of the processor 104 and to provide the functionality of the control module 106. Under control of the control module 106, the communication arrangement 102 is operable to send and receive request and response messages, and optionally query and outcome messages, in accordance with the invention (further described below).
The server 101 further includes a memory module 108, which could be in the form of a hard disk drive. The memory module 108 has stored thereon a credit provider database 110 which includes a plurality of destination addresses, each associated with a credit provider and a related credit policy of the credit provider.
While the system 100 could be applicable to many different electronic messaging formats, this example is further described with reference to SMS messages, although could be applicable, with the necessary changes, to WAP, USSD or other formats. The server 100 is operable to receive SMS messages sent to a plurality of different destination addresses in the form of telephone numbers. In other words, the server 101 has associated therewith a plurality of different telephone numbers. Therefore, the credit provider database 110 includes a plurality of credit providers, each credit provider - having a telephone number uniquely associated therewith as well as a credit policy associated therewith.
The communication arrangement 102, under the direction of the control module 106, is therefore operable to receive and send SMS messages, and the control module 106 is configured to act upon the SMS messages (see further below).
® Conveniently, the telephone numbers are so-called Short Codes, which are shorter than usual telephone numbers. In South Africa, for example, a Short Code is typically five digits long, e.g. 12345. Accordingly, each credit provider has a particular short code uniquely associated therewith, and the details of this are stored on the credit provider database 110.
Referring now also to Figure 2, the system 100 is illustrated to include a telecommunications network 200, which in this example includes a cellular telephone network and the Internet. The system 100 further includes a mobile communications device 202. As this example is described with reference to SMS messages, the mobile communications device 202 is typically a cellular telephone. Further, the system 100 includes a credit bureau 204 (or a credit bureau computer system) which has stored thereon a credit history of a plurality of entities such as individuals. Such a credit bureau 204 is conventionally used for checking a credit rating of a person.
For example, some individuals may have bad credit or may be blacklisted, while other individuals may have good credit or be very creditworthy.
The cellular telephone 202 is in communication with the telecommunications network 200. The cellular telephone 202 is operable, in conventional fashion, to send and receive SMS messages. Also, the credit bureau 204 and the server 101 are in electronic communication with each other, for example across the Internet portion of the telecommunications network 200.
The invention will now be further described, in use, with reference to an example in the form of a credit applicant (such as an individual consumer) applying for credit in accordance with the invention.
Reference is now also made to Figure 3, which shows two methods 300, 310, in accordance with the invention. It is to be appreciated that the methods are implemented by different devices 101, 202 at remote locations, but that they are shown on a single flow diagram to illustrate their interaction. The method
® 300 is from the perspective of the cellular telephone 202 and the method 310 is from the perspective of the server 101.
A credit applicant (i.e. prospective consumer) wishes to obtain credit from a credit provider (a clothing store, in this example) so that he can purchase clothes on credit. Conventionally, the credit applicant would need to enter the store and complete a credit application form which the store would then process and, in due course, inform the credit applicant of whether or not his credit application has been approved. This conventional process can be time-consuming and resource intensive, as human intervention is required during at least some of the steps.
In this example, the credit applicant sees a notice informing him of how to apply for credit in accordance with the invention. The notice includes the Short Code (e.g. 34567) associated with the store and instructions to send an SMS message to that Short Code.
The notice further indicates what information the credit applicant is required to include in the SMS message. In this example, the credit applicant is required to include his name and ID number (i.e. information identifying the credit applicant) and monthly income and expense amounts (i.e. information indicative of income status of the credit applicant).
The notice may also indicate how the SMS message should be formatted, e.g. by separating the individual fields with a white space.
Therefore, the credit applicant types the contents of the SMS message on his cellular telephone 202 and then sends, at block 302, the SMS message, which serves as a request message, to the Short Code associated with the clothing store. Correspondingly, the server 101 receives, at block 312, the request message, via the communication arrangement 102.
® First, the control module 106 analyses of the contents of the request message to determine, at block 314, whether or not it is in the correct format and all the required information has been included or is defective in some other way (e.g. the credit applicant is not of consenting age). If it is not in the correct format, the control module 106 generates and sends, at block 316, an error message (in SMS format) indicative of the nature of the error. The cellular telephone 202 of the credit applicant then receives, at block 304, the SMS error message. If desired, the credit applicant can redraft and then resend the request message, and the process will repeat from block 302.
On the other hand, if the request message was correctly formatted and included the requisite information, the control module 106 then resolves, at block 318, the destination address (i.e. the Short Code) to which the request message was sent. It is to be appreciated that this Short Code will likely not occur in the body or contents of the request message and the control module 106 will therefore interrogate a header or like data of the request message.
Once the Short Code has been obtained, the control module 106 interrogates, at block 320, the credit provider database 110 in order to determine, firstly, which credit provider is associated with the Short Code of the request message (thereby to determine with which credit provider the credit applicant seeks credit) and, secondly, to determine the credit policy associated with that credit provider.
Although not illustrated, the method 310 may include prior steps of assigning Short Codes to respective credit providers and determining a credit policy for the respective credit providers. This can be done by the credit provider sending a policy message to the server 101. In this regard, the credit provider can merely select a generic credit policy suitable for businesses of its type. Thus, there is a plurality of predefined generic credit
® policies. One credit policy relates to clothing retail. Thus, the clothing store in this example could merely have selected the credit policy relating to clothing retail. Instead, if the clothing store wished instead to create a custom or tailor-made credit policy, it is also free to do so. Regardless of the particular credit policy chosen, the details of the credit policy are communicated from the credit provider to the server 101 and are then stored on the credit provider database 110 for later use.
The outcome of the credit application is then determined, at block 322. One manner in which the outcome of the credit application can be determined is by composing a query message comprising the details of the request message from the credit applicant together with the credit policy of the credit provider and then sending automatically the query message to the credit bureau 204. Thus, the credit bureau 204 receives, at block 322.1, the query message and, using the information contained therein, the credit bureau 204 then determines whether or not the credit application should be approved.
This determination may be done in accordance with conventional practices, such as using risk scorecards and affordability models which are then cross-referenced with the credit policy of the credit provider.
The process may include a background check of the credit history of the credit applicant. Regardless of the exact method in which the outcome is determined, the credit bureau 204 generates and sends, at block 322.3, an outcome message indicative of the outcome.
In this example, there are three possible outcomes: accepted, referred and rejected. “Accepted” means that the credit applicant complies with the requirements of the credit policy and the credit provider can approve credit to the credit applicant for a specific amount. The exact amount may also be determined by the credit bureau 204 and/or by the particular credit policy of the credit provider. “Referred” means that there is insufficient
® information available to the credit bureau 204 to make a determination and the credit applicant is then requested to enter the store and provide additional information to enable an outcome of either accepted or rejected to be reached. “Rejected” means that the credit applicant does not meet the requirements of the credit provider.
Regardless of the actual outcome, the control module generates a response message (again in SMS format) and sends, at block 324, the response message to the cellular telephone 202 of the credit applicant. The cellular telephone 202 receives, at block 306, the response message and the credit applicant may then act in accordance with the response. Although not illustrated, a notification message is typically also sent to the clothing store, to inform the clothing store that the credit applicant has been approved for a certain amount of credit in accordance with the selected policy of the clothing store. The notification message will be used by the clothing store to open an : account for the credit applicant. _
It is to be noted that, in the above methods 300, 310, from the time the request message is sent at block 302 until either the error message or the response messages received, at block 304 or block 306, the entire process is automatic and no human intervention is necessarily required. This renders the methods quick and reliable.
Figure 4 shows a diagrammatic representation of a machine in the example form of a computer system 400 within which a set of instructions, for causing the machine to perform any one or more of the methodologies discussed herein, may be executed. In alternative embodiments, the machine operates as a standalone device or may be connected (e.g., networked) to other machines. In a networked deployment, the machine may operate in the capacity of a server or a client machine in server-client network environment, or as a peer machine in a peer-to-peer (or distributed) network environment. The machine may be a personal computer
® (PC), a tablet PC, a set-top box (STB), a Personal Digital Assistant (PDA), a cellular telephone, a web appliance, a network router, switch or bridge, or any machine capable of executing a set of instructions (sequential or otherwise) : that specify actions to be taken by that machine. Further, while only a single machine is illustrated, the term “machine” shall also be taken to include any collection of machines that individually or jointly execute a set (or multiple : sets) of instructions to perform any one or more of the methodologies discussed herein.
The example computer system 400 includes a processor 402 (e.g., a central processing unit (CPU) or a graphics processing unit (GPU)), a main memory 404 and a static memory 406, which communicate with each other via a bus 408. The computer system 400 may further include a video display unit 410 (e.g., a liquid crystal display (LCD) or a cathode ray tube (CRT)). The computer system 400 also includes an alphanumeric input device 412 (e.g., a keyboard), a user interface (UI) navigation device 414 (e.g., a : mouse), a disk drive unit 416, a signal generation device 418 (e.g., a speaker) and a network interface device 420.
The disk drive unit 416 includes a computer-readable medium 422 on which is stored one or more sets of instructions and data structures (e.g., software 424) embodying or utilised by any one or more of the methodologies or functions described herein. The software 424 may also reside, completely or at least partially, within the main memory 404 and/or within the processor 402 during execution thereof by the computer system 400, the main memory 404 and the processor 402 also constituting computer- readable media.
The software 424 may further be transmitted or received over a network 426 via the network interface device 420 utilising any one of a number of well-known transfer protocols (e.g., HTTP).
® While the computer-readable medium 422 is shown in an example embodiment to be a single medium, the term “computer-readable medium” should be taken to include a single medium or multiple media (e.g., a centralised or distributed database, and/or associated caches and servers) that store the one or more sets of instructions. The term "computer-readable medium" shall also be taken to include any medium that is capable of storing, encoding or carrying a set of instructions for execution by the machine and that cause the machine to perform any one or more of the methodologies of the present embodiments, or that is capable of storing, encoding or carrying data structures utilised by or associated with such a set of instructions. The term "computer-readable medium" shall accordingly be taken to include, but : not be limited to, solid-state memories, optical and magnetic media, and carrier wave signals.
The computer server 101 may be in the form of the computer system 400, or may at least include some of the components thereof.
The Applicant believes that the invention as exemplified provides a convenient and efficient method 300, 310 of applying for credit and of processing a credit application. From the credit applicant's perspective, the outcome is reported very quickly, with the time taken typically being in the order of a few seconds. This alleviates the need for the . credit applicant to fill out lengthy forms or to wait for long periods to determine whether or not or she he has received credit.
From the point of view of the credit provider, a credit policy can be pre-selected and the results of credit applications by credit applicants can be communicated to the credit provider immediately, without the need for any further intervention on the part of the credit provider.
Claims (31)
1. A method of processing a credit application, the method including: receiving an electronic request message from a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant; resolving from the request message a destination address to which the request message was sent; interrogating a credit provider database which includes a plurality of destination addresses, each destination address associated with a credit provider and a related credit policy of the credit provider, thereby to determine a credit provider with whom the credit applicant seeks credit; determining, based on the information of the credit applicant, an outcome of the credit application in accordance with the credit policy of the : credit provider; and sending automatically an electronic response message indicative of the outcome of the credit application.
2. A method as claimed in claim 1, in which the request message is received from a mobile communication device.
3. A method as claimed in claim 1 or claim 2, in which the response is be sent in the same format in which the request message was received and is sent back to a source address of the request message.
4. A method as claimed in any of the preceding claims, in which the request message is an SMS message which is sent to a destination address in the form of a telephone number.
® 5. A method as claimed in claim 4, in which the credit provider database includes a plurality of telephone numbers, each uniquely associated with a credit provider and a related credit policy of that credit provider.
6. A method as claimed in claim 5, in which resolving from the request message a destination address includes resolving the telephone number and thereafter interrogating the credit provider database to determine the credit provider, and related credit policy, associated with that particular telephone number. :
7. A method as claimed in any of claims 1 to 3 inclusive, in which the request message is a USSD message which is sent to a destination address in the form of a USSD code.
8. A method as claimed in any of claims 1 to 3 inclusive, in which the request message is a WAP message which is sent to a destination address in the form of a URL.
9. A method as claimed in any of the preceding claims, which includes receiving a plurality of different request messages, the request messages having different destination addresses respectively associated therewith.
10. A method as claimed in any of the preceding claims, in which a plurality of credit providers are associated with a single credit policy.
11. A method as claimed in claim 10, which includes providing a credit provider with the option of selecting either a generic credit policy suitable for their particular industry or a specific credit policy suitable for the particular credit provider.
® 12. A method as claimed in claim 11, which includes receiving a policy message from a credit provider or potential credit provider, indicative of a desired credit policy to be associated with that credit provider.
13. A method as claimed in any of the preceding claims, in which determining the outcome of the credit application includes automatically sending a query message to a credit bureau, so that the credit bureau can, in accordance with their usual procedure, determine an outcome of the credit application.
14, A method as claimed in claim 13, in which the query message includes the information of the request message together with an indication of the credit provider's credit policy.
15. A method as claimed in claim 13 or claim 14, which includes receiving an outcome message indicative of whether or not credit should be granted.
16. A method as claimed in any of the preceding claims, which includes sending an error message requesting the credit applicant to resend the request message, this time with the correct information, if the request message does not include at least the basic information. :
17. A method as claimed in any of the preceding claims, in which the information identifying the credit applicant includes a name and an identification number of the credit applicant, and in which information indicative of income status includes an income amount and an expense amount.
18. A method as claimed in any of the preceding claims, in which the outcome of the credit application includes approving the credit application, rejecting the credit application, or referring the credit application.
®
19. A method as claimed in claim 18, in which the response message includes instructions directing the credit applicant to visit a premises of the credit provider if the credit application is approved or referred.
20. A method as claimed in claim 18 or claim 19, which includes sending a notification message to the credit provider to notify the credit provider of the fact that the application has been received and of the details thereof if the credit application is approved.
21. A credit provider database as defined in any of the preceding: claims.
22. A method of applying for credit, the method including: sending an electronic request message by a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant, to a destination address which uniquely identifies a credit provider; and receiving automatically an electronic response message indicative of the outcome of the credit application.
23. A method as claimed in claim 22, in which the messages are sent and received from a mobile communications device.
24. A computer-readable medium embodying a set of instructions which, when executed by a machine, causes the machine to perform a method as claimed in any of the preceding claims.
25. A system for processing a credit application, the system including: a communication arrangement for sending and receiving electronic messages;
a credit provider database which includes a plurality of destination addresses, each associated with a credit provider and a related credit policy of the credit provider; and a control module operable to: receive, via the communication arrangement, an electronic request message from a credit applicant, the request message including at least information identifying the credit applicant and information indicative of income status of the credit applicant; resolve from the request message a destination address to which the request message was sent; interrogate the credit provider database, based on the destination address of the request message thereby to determine a credit provider with whom the credit applicant seeks credit; determine, based on the information of the credit applicant, an outcome of the credit application in accordance with the credit policy of the credit provider; and send automatically, via the communication arrangement, an electronic response message indicative of the outcome of the credit application.
26. A system as claimed in claim 25, which is embodied, at least partially, by a computer server which includes a processor, the control module being a conceptual module corresponding to a functional task performed by the processor.
27. A system as claimed in claim 25 or claim 26, in which the control module is operable to determine the outcome of the credit application by: interrogating an existing credit profile database, based on the information identifying the credit applicant thereby to determine a credit history; and interrogating the credit provider database thereby to determine whether or not the applicant should be granted credit in accordance with the a £2000/03243 credit providers credit policy based on the income status and credit history of the credit applicant.
28. A system as claimed in claim 25 or claim 26, in which the control module is operable to determine the outcome by sending a query message, comprising at least the information of the request message, to a third party, such as a credit bureau, thereby to determine whether or not the credit applicant should be granted credit in accordance with the credit policy of the credit provider.
29. A method as claimed in claim 1 or claim 22, substantially as : herein described with reference to and as illustrated in any of the drawings.
30. A computer-readable medium as claimed in claim 24, substantially as herein described with reference to and as illustrated in any of : the drawings.
31. A system as claimed in claim 25, substantially as herein described with reference to and as illustrated in any of the drawings. DATED THIS 12 DAY OF MAY 2009 Pg ADAMS & ADAMS APPLICANT'S PATENT ATTORNEYS
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ZA200903243A ZA200903243B (en) | 2008-07-25 | 2009-05-12 | A method of processing a credit application |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ZA200806500 | 2008-07-25 | ||
| ZA200903243A ZA200903243B (en) | 2008-07-25 | 2009-05-12 | A method of processing a credit application |
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| Publication Number | Publication Date |
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| ZA200903243B true ZA200903243B (en) | 2010-03-31 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| ZA200903243A ZA200903243B (en) | 2008-07-25 | 2009-05-12 | A method of processing a credit application |
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|---|---|
| BR (1) | BRPI0902743A2 (en) |
| MX (1) | MX2009007970A (en) |
| ZA (1) | ZA200903243B (en) |
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| US10685133B1 (en) | 2015-11-23 | 2020-06-16 | Experian Information Solutions, Inc. | Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria |
| US10810605B2 (en) | 2004-06-30 | 2020-10-20 | Experian Marketing Solutions, Llc | System, method, software and data structure for independent prediction of attitudinal and message responsiveness, and preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository |
| US11257117B1 (en) | 2014-06-25 | 2022-02-22 | Experian Information Solutions, Inc. | Mobile device sighting location analytics and profiling system |
| US11682041B1 (en) | 2020-01-13 | 2023-06-20 | Experian Marketing Solutions, Llc | Systems and methods of a tracking analytics platform |
-
2009
- 2009-05-12 ZA ZA200903243A patent/ZA200903243B/en unknown
- 2009-07-27 MX MX2009007970A patent/MX2009007970A/en not_active Application Discontinuation
- 2009-07-27 BR BRPI0902743 patent/BRPI0902743A2/en not_active Application Discontinuation
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10810605B2 (en) | 2004-06-30 | 2020-10-20 | Experian Marketing Solutions, Llc | System, method, software and data structure for independent prediction of attitudinal and message responsiveness, and preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository |
| US11657411B1 (en) | 2004-06-30 | 2023-05-23 | Experian Marketing Solutions, Llc | System, method, software and data structure for independent prediction of attitudinal and message responsiveness, and preferences for communication media, channel, timing, frequency, and sequences of communications, using an integrated data repository |
| US11257117B1 (en) | 2014-06-25 | 2022-02-22 | Experian Information Solutions, Inc. | Mobile device sighting location analytics and profiling system |
| US11620677B1 (en) | 2014-06-25 | 2023-04-04 | Experian Information Solutions, Inc. | Mobile device sighting location analytics and profiling system |
| US10685133B1 (en) | 2015-11-23 | 2020-06-16 | Experian Information Solutions, Inc. | Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria |
| US11748503B1 (en) | 2015-11-23 | 2023-09-05 | Experian Information Solutions, Inc. | Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria |
| US10678894B2 (en) | 2016-08-24 | 2020-06-09 | Experian Information Solutions, Inc. | Disambiguation and authentication of device users |
| US11550886B2 (en) | 2016-08-24 | 2023-01-10 | Experian Information Solutions, Inc. | Disambiguation and authentication of device users |
| US11682041B1 (en) | 2020-01-13 | 2023-06-20 | Experian Marketing Solutions, Llc | Systems and methods of a tracking analytics platform |
Also Published As
| Publication number | Publication date |
|---|---|
| MX2009007970A (en) | 2010-03-22 |
| BRPI0902743A2 (en) | 2010-05-25 |
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