초록 ▼

Systems and methods for generating credit reports. The system includes a central data processing facility (also referred to as a data processor or host computer) which is connectable to the three national credit repositories dedicated data links. The central data processor requests credit informatio

Systems and methods for generating credit reports. The system includes a central data processing facility (also referred to as a data processor or host computer) which is connectable to the three national credit repositories dedicated data links. The central data processor requests credit information on an applicant from one or more of the repositories, generates a credit report, and transmits the report to the requesting user (i.e., customer). Requests and reports are transmitted via a communications system or network which includes: local telephone lines; Redi-Access; Accunet; and a dedicated, high speed, data transmission channel. If data is inputted from more than one repository, the central data processing facility eliminates duplicated data, selects the best data if there are conflicts, and merges the remaining data into a single report.

대표청구항 ▼

A system for generating a credit report which comprises: plural repositories of credit information; a central data processing means; a user terminal; a first data link for connecting said user terminal to said central data processing means; and additional data links for connecting said central data

A system for generating a credit report which comprises: plural repositories of credit information; a central data processing means; a user terminal; a first data link for connecting said user terminal to said central data processing means; and additional data links for connecting said central data processing means to each of said repositories of credit information; said central data processing means including; means responsive to a message reaching it via the first data link for activating the additional data links and consequentially retrieving from each of the plural repositories items of credit information related to an entity identified from the user terminal; means for comparing the items of credit information retrieved from the different repositories, eliminating items of credit information duplicated in the different repositories, and selecting the most accurate of different versions of items of credit information retrieved from different ones of the repositories, sorting and merging the surviving items of credit information into a single credit report of selected format, and thereafter activating the first data link and transmitting the credit report over that data link to the user terminal.