• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    A method and Web site system for conducting credit checks and producing credit reports. The system contains prospect credit information against which queries will be executed based on search criteria provided from a user to the Web site system, and the results of such a query will then be transmitted back to the requesting party as a credit report. This will allow for efficient and affordable credit assessment to take place before new credit privileges are extended. It can be used by companies or individuals without large in-house accounting or computing resources to lessen their credit risk.
    公开号:CA2328001A1
    申请号:C002328001
    申请日:2000-12-12
    公开日:2001-09-17
    发明作者:Wayne K. Knipple；Troy K. Knipple；Kenneth R. Kupchyk
    申请人:FALCON GROUP OF Cos Inc；
    IPC主号:G06Q40-02
    专利说明:
    [1" class="description-paragraph] ABSTRACT A method and Web site system for conducting credit checks and producing credit reports. The system contains prospect credit information against which queries will be executed based on search criteria provided from a user to the Web site system, and the results of such a query will then be transmitted back to the requesting party as a credit report. This will allow for efficient and affordable credit assessment to take place before new credit privileges are extended. It can be used by companies or individuals without large in-house accounting or computing resources to lessen their credit risk. METHOD AND APPARATUS FOR ON-LINE PROSPECT CREDIT ASSESSMENTThis invention is in the field of electronic commerce, and more particularly deals with a system allowing merchants to perform credit risk assessments and obtain credit reports over the Internet in advance of extending credit privileges. A continual problem faced by businesses of all sizes is that of risk assessment in the extension of credit terms to new or existing customers. A business will often times wish to check the previous credit rating or credit experience of a customer before extending credit to them. The method by which such a credit check is currently performed, generally speaking, consists of contacting one of a very few credit bureau and data collection companies who are involved in the credit bureau business, which companies through interface with banks, financial institutions and other credit granting companies or institutions administer large bodies of credit information including such things as past outstanding debts, experience of institutions with payment terms and the like. The process of obtaining credit clearance information from these companies can be costly and time consuming. It would be beneficial to provide a method by which a business could conduct a quick credit check on a potential new customer, hereinafter referred to as a "prospect", without the cost and time delays associated with traditional credit bureau clearance techniques. The Internet appears to lend itself to the provision of such a solution, given its widespread adoption and availability. It is the object of the present invention to provide a system available over the Internet whereby a potential creditor could conduct a quick credit check on a prospect. It is the further object of the present invention to provide such an online credit checking facility whereby a user could provide search criteria which would be used in the execution of a query against a database of prospect credit information, and the results of the query would then be transmitted back to the user as a credit report for their review and use in their credit decision process. The invention, a Web site system for use in the production of prospect credit reports, includes a credit database system which maintains at least one credit database of prospect credit information. There is also a receiving system for receiving credit search requests transmitted from users. Each credit search request will contain at least one search criteria relating to a prospect for whom a credit report is desired by the user . A query system will upon receipt of a credit search request from the receiving system perform a credit search of the credit databases) using the search criteria contained in the credit search request. A reporting system will transmit the prospect credit information yielded from such credit searches conducted by the query system back to the users who initiated the credit search requests. In another embodiment, the Web site system of the present invention might also comprise an authentication system which would authenticate credit search requests received by the receiving system in advance of passing them through to the query system. For example, the authentication might consist of verifying that the user who submitted the credit search request was a registered user of the system with system access privileges, and if this was not the case the credit search request could be rejected. The Web site system of the present invention might also include an accounting system which could be used to charge a user fee for the execution of credit search requests. In another aspect, the invention is a computer system for producing credit reports. This computer system would comprise at least one server connected to a computer network, with at least one credit database residing in the server. The credit database contains prospect credit information. The system would also include means for receiving credit search requests in the server over the computer network from user computers. Each search request would contain at least one search criteria relating to the prospect for whom it was desired to prepare a credit report. Also included would be a means for performing queries on the credit database using the search criteria provided and means for transmitting the prospect credit information yielded from such queries back to the user computer which initiated such credit search request. The computer network used might be the Internet or some other computer network. The computer system of this embodiment might also include at least one user computer connected to said computer network.Also disclosed is a method of preparing credit reports, said method comprising providing a Web site system that includes at least one credit database containing prospect credit information and allows for submission of credit search requests from users. In response to the submission of a credit search request from a user to the Web site system, the credit search request containing at least one search criteria relating to a prospect for whom a credit report is desired by the user, the Web site system performing a query against the credit history database using the search criteria contained in the credit search request and transmitting the results of such query back to the user. DESCRIPTION OF THE DRAWINGS: While the invention is claimed in the concluding portions hereof, preferred embodiments are provided in the accompanying detailed description which may be best understood in conjunction with the accompanying diagrams where like parts in each of the several diagrams are labeled with like numbers, and where: Figure 1 is a general architectural drawing of a Web site system of the present invention. Figure 2 demonstrates the flow of information from a user to the Web site system of the present invention in generation of a credit search request;Figure 3 is a sample Web page which might be a component of the receiving system of the Web site system of the present invention; Figure 4 demonstrates the interaction of the query system with the remainder of the Web site system in the embodiment of Figures 1 to 3; and Figure 5 is a Web page showing the results of execution of a credit search request, in accordance with the present invention.1. Glossary of Terms and Acronyms The following terms and acronyms are used throughout the detailed description: Client-Server. A model of interaction in a distributed system in which a program at one site sends a request to a program at another site and waits for a response. The requesting program is called the "client," and the program which responds to the request is called the "server." In the context of the World Wide Web (discussed below), the client is a "Web browser" (or simply "browser") which runs on a computer of a user; the program which responds to browser requests by serving Web pages is commonly referred to as a "Web server." Hypertext System. A computer-based informational system in which documents (and possibly other types of data entities) are linked together via hyperlinks to form a user-navigable "web." Internet. A collection of interconnected (public and/or private) networks that are linked together by a set of standard protocols (such as TCP/IP and HTTP) to form a global, distributed network.(While this term is intended to refer to what is now commonly known as the Internet, it is also intended to encompass variations which may be made in the future, including changes and additions to existing standard protocols.) World Wide Web ("Web"). Used herein to refer generally to both (i) a distributed collection of interlinked, user-viewable hypertext documents (commonly referred to as Web documents or Web pages) that are accessible via the Internet, and (ii) the client and server software components which provide user access to such documents using standardized Internet protocols. Currently, the primary standard protocol for allowing applications to locate and acquire Web documents is HTTP, and the Web pages are encoded using HTML. However, the terms "Web" and "World Wide Web" are intended to encompass future markup languages and transport protocols which may be used in place of (or in addition to) HTMLand HTTP. Web site. A computer system that serves informational content over a network using the standard protocols of the World Wide Web. Typically, a Web site corresponds to a particular Internet domain name, such as "abc.com," and includes the content associated with a particular organization. As used herein, the term is generally intended to encompass both (i) the hardware/software server components that serve the informational content over the network, and (ii) the "back end" hardware/software components, including any non-standard or specialized components, that interact with the server components to perform services for Web site users. HTTP (HyperText Transport Protocol). The standard World Wide Web client-server protocol used for the exchange of information (such as HTML documents, and client requests for such documents) between a browser and a Web server. HTTP includes a number of different types of messages which can be sent from the client to the server to request different types of server actions. For example, a "GET" message, which has the format GET , causes the server to return the document or file located at the specified URL.
    [2" class="description-paragraph] 2. Overview of System Components and Operation Figure 1 demonstrates the general architecture of a credit reporting Web site system operating in accordance with the present invention. It includes a user computer (1) and a credit reporting Web site system (2), which are linked together by the Internet (6). The customer computer (1) might be any type of computing device that would allow a user/customer to interactively browse Web sites via a Web browser (7). For example, the customer computer (1) might be a personal computer running any one of the Microsoft WindowsTM operating systems. It will be understood that other types of computing devices running other operating systems could also be used as the customer computer (1), so long as they were able to connect to the Internet (6) and accommodate the perusal and interaction with the credit reporting Web site system (2) by a Web browser (7) installed therein and that such other devices are contemplated within the scope of the present invention. The credit reporting Web site system (2) includes at least one Web server (3) which houses the server-side components of the Web site system. The credit reporting Web site system (2) includes at its heart a credit database (4) which contains various prospect credit information (8). Also included within the Web site system (2), as a part of the computer program (15) in the Web server (3), would be database maintenance software (14) which would be tasked with the maintenance of the credit database (4). In operation, a user would access the credit reporting Web site (2) with a standard Web browser (7), using a protocol such as HTTP to communicate with the Web server (3). The user would be able to request the preparation of a credit report on a prospect by submitting a credit search request to the Web site (2). The credit search request might be submitted from the user via their browser (7) by filling in an HTML form and transmitting the results thereof back to the Web server (3), or in any number of other manners which would use the connection between the browser (7) and the Web server (3) via the Internet (6) to transmit the credit search request from the browser (7) to the Web server (3). The credit search request might be received by a search request receiving software (10) which was a component of computer program (15) within the Web server (3). The credit search request (5) would include at least one search criteria (9) pertaining to the prospect, for which the credit report was desired to be created. The search criteria (9) would be provided by the user in order to properly frame a search of the credit database (4). For example, the search criteria (9) might include a name, one or more pseudo names, a geographic location within which the prospect might be expected to be found, or other identifying matter such as government identification numbers or the like. It will be understood that search criteria (9) could be as broad or more broad than the types of prospect credit information (8) stored within the database (4), and that any type of search criteria (9) which would assist a user in narrowing and focussing a search of the database (4) to select only the most relevant prospect credit information (8) in a search is contemplated within the scope of the present invention. Upon receipt of a credit search request, the search request receiving software (10) would forward the search criteria (9) contained therein as well as any other necessary information to the query software (12), which was also a component of the computer program (15), which query software (12) would execute a query, being a credit search, against the credit database (4) using the search criteria (9) contained in the credit search request (5). Upon completion of a query, the query software (12) would pass the results of the query, being selected prospect credit information (8), along to a reporting element (13) within the computer program (15). The reporting software element (13) would generate a credit report based on the results of the query and transmit that back to the user's browser (7).
    [3" class="description-paragraph] 3. Credit Database System As indicated above, the Web site (2) includes at least one credit database (4) containing prospect credit information (8) which will be used in the generation of credit reports for users of the system. Where more than one credit database (4) was contained in the system (2), one of the search criteria (9) which might be provided in a search request could be used to switch the performance of the credit search query to a particular one of said databases
    [4" class="description-paragraph] (4). Prospect credit information (8) which might be included in the credit databases) (4) could be selected from a large group of information pertaining to previous business dealings between debtors and creditors, the creditor being the prospective user of the Web site system (2) and the debtor being the potential prospect which it is desired to screen using the system (2). For example, prospect credit information might be selected from the group of debtor names, debtor addresses, or other debtor location information such as places of employment or the like, personal identification information of any kind pertaining to debtors, creditor names, addresses or other details, details of outstanding account balances owed by debtors to creditors or of collection or payment histories between debtors and creditors, creditor location information or the like. It is also particularly contemplated that other types of prospect credit information (8) might include debtor account numbers issued by past creditors to a debtor, such as a credit card number or the like, and it is particularly contemplated that personal identification information of debtors might also include photographs. This would allow a users submitting a credit search request to, amongst other things, verify with a photograph that the prospect is actually who they say they are vis-a-vis any credit card reference or the like which they might provide. The system (2) might also assign credit ratings of some type to debtors contained in the system (2), and these credit ratings as they are assigned could be stored as prospect credit information (8) within the system as well and cross-referenced to their respective debtor records. The credit ratings assigned in this fashion might be calculated on any number of different formulas and it might be the case that the system (2) might include more than one different credit rating calculated in more than one different fashion as prospect credit information (8) contained within the database. It will be understood that the definition of relevant prospect credit information (8) could be quite broad depending upon the type of user requesting the information and, as such, any type of information which could be used by a user to determine the credit worthiness of a prospect would fall within the definition of prospect credit information contemplated herewithin. The database (4) could contain the prospect credit information (8) in a conventional database fashion, namely as a plurality of records within a database structure and whereby there is at least one index of the database against which a search query can be ran. Insofar as any such other type of database structure might still provide the access to the prospect credit information (8) to a query system executing a query against the database (4), it will be understood that any database or file structure accomplishing this objective is contemplated within the scope of the present invention. The prospect credit information (8) contained in the database (4) might be collected either directly by the proprietor of the Web site system (2) or might be submitted to the Web site system (2) by one or more credit reporting entities. The Web site (2) via the database maintenance software (14) or otherwise might also provide the facility for an authorized user to upload prospect credit information (8) to the credit database (4) from their browser (7). It will be understood that this type of a database maintenance software tool (14) is contemplated within the scope of the present invention as well. The Web site (2) would include a database maintenance component (14) which would generally speaking be software stored in and used by the Web server (3) to maintain the database (4) as well as potentially interacting with the query component (12) in the performance of queries of the credit database (4). It will be understood that various types of software could be used to maintain the credit database (4), dependent upon the data structure thereof amongst other things, and that any type of a software component (14) which had the ability to modify, update or maintain a credit database (4) in that data structure is contemplated within the scope of the present invention.4. Credit Request Receiving System The Web site system (2) also includes a receiving system for receiving a credit search request from a user. The receiving system (10) is particularly contemplated as a software component within the Web server (3). It is particularly contemplated that the receiving system (10) might include a Web page (17) served by the Web server (3) to the user's Web browser (7) which includes a form through which the user could transmit a credit search request back to the system (2) by filling in the form fields and transmitting the contents of the form back to the Web server (3) and the receiving system (10). The receiving system (10) would then parse or reformat the credit search request into the necessary format for use by the remainder of the system to generate a credit report. As is shown in Figure 1, the Web server (3) would store or have access to a collection of HTML documents (16), which would include any request pages (17) or the like which were required to be potentially served to a user in a credit checking session. The credit search request would consist of at least one search criteria (9). The search criteria (9) are the criteria which the query system discussed below will use to execute a credit search against the credit database (4) and return relevant prospect credit information (8) to the user via their browser (7) in the form of a credit report. For example, the search criteria (9) which a user might wish to provide might include a name, a geographical location or any other identifying information which might be used to seek out and provide relevant prospect credit information S in the form of a credit report. It is contemplated that the credit search request, upon its receipt by the receiving software (10), would be formatted, extracted or otherwise prepared for passing along to the query system (12), discussed in more detail below. This might include extracting only the search criteria (9) from the credit search request for passing to the query system (12), authenticating the search request by comparison of authentication data transmitted along with the credit search request to previously determined authenticated values stored within the web server (3), whereby only registered users or the like could be authenticated and allowed to use the system, or other authentication tasks could be carried out as well. Figure 2 illustrates the general flow of information between a user and the Web site (2) in the processing of a credit search request. Figure 2 demonstrates the process of receipt and handling of a credit search request by the system (2) of the present invention. The first step is for the user computer (1) via their browser (7) to send a request to the Web server (3) to process a credit search request. This is shown at Step A. Upon receipt of such a request from a browser (7), the Web server (3) will transmit the HTML document (17), allowing for the entry of a credit search request, back to the browser (7). This is outlined at Step B. Step C in the process will be for the user to enter the particulars of their credit search request in the request form (17) at the browser (7). Upon completion of entry of the particulars of the credit search request in the form (17), the user through the browser (7) will post the request back to the server (3), shown at Step D. Upon receipt of the request, the receiving software component (10) in the Web server (3) would prepare that request for transmission to the query software (12). Figure 3 demonstrates an example Web page which might be used by the receiving system (10) to acquire a credit search request from the user browser (7). In the form shown, the user can enter up to five search criteria (9) in their credit search request, and the type of search criteria (9) (21) could be selected from a menu associated with each criteria input, for example where it was desired to search three different names, name could be selected as the identifying characteristic of the information in each search criteria (9) field, which would then indicate to the query system, discussed below, which of the indexes of the database (4) should be searched using that search criteria (9) . In one typical embodiment, a pull-down menu might be provided whereby the type of each search criteria (9) could be selected as well as any operator it was wished to use in the qualification or searching for the target search criteria (9) which was entered. The down arrows (19) which could be used to activate such menus are shown in this figure. Also shown in this figure is the entry of a user name and password which would be the authentication information discussed above which could be used by the Web site system (2) to authenticate a credit search request. The credit search request might also optionally include relations (22) between the search criteria (9), whereby a more elaborate search query could be executed. The relations might include, as will be understood to one skilled in the art of database searching, "and", "or" or "not" relations between certain search criteria (9) in order to allow for further flexibility in the refining of the query results. In this particular case, it is shown that the user has selected anyone with the last name "Smith" and the first name starting with "J", located around Regina, Saskatchewan, but not anyone named "James Smith". Also shown is a user name and password field for submission (20) along with a credit search request, which would allow for authentication of the user, to be discussed further below. It will be understood that the authentication function is not necessary, but could be an added option. Similarly, it will be understood that any number of search criteria (9) could be entered in the credit search request, and that the example Web page shown is simply one specimen of a data entry structure for such a credit search request
    [5" class="description-paragraph] (5) . Upon filling in these various information and search criteria (9), along with any operators or types (22) or (21), the user could transmit their credit search request outlined in the form (17) by clicking on an HTML link (23) or in any other such fashion as might be used by the browser (7) to transmit the search criteria (9) and the remainder of the search request back to the server (3).5. Query System Upon receipt of a credit search request from the browser (7), the next step is to execute a query of the credit database (4). This is done by the query system (12) upon receipt of the relevant portions of a request for the receiving system (10). Shown at Step E in Figure 2, the Web server (3) receives the data forming a credit search request and that is forwarded to the query software (12). The query software (12) will then perform a query of the credit database (4) based on the search criteria (9) contained in the search request, and this query will yield prospect credit information (8) from the database (4) which corresponds to the search criteria (9). These query results will then be passed along to the reporting software (13) which will generate a credit report and transmit that report, shown at Step F, back to the browser (7). Figure 4 demonstrates the processing of a credit search request by the query software (12) and its related components. Shown therein is the query software (12), along with the receiving software (10) and the reporting software (13). The credit database (4) is shown with a sampling of data which might for example be contained in the system as the prospect credit information upon which queries will be exercised. In Steps A to F outlined in Figure 4, the receiving software (10) will receive a credit search request from a user and translate that for handling by the query software (12). This is shown at Step A. At Step B, the receiving software (10) will pass along the relevant portions of a credit search request to the query software (12), which as shown at C will perform a query of the credit database (4) and pass the results of the query, being prospect credit information (8) which corresponds to the search criteria (9), along to the reporting software (13) at Step D. The reporting software, as further outlined below, will generate a report as shown at E and transmit that back to the user, likely in the form of an HTML document or otherwise. The sample data shown in Figure 4 match in most respects the credit search criteria (9) entered by the user as shown in Figure 3 and will be used to demonstrate the output of the reporting software (13) as well in the next section of this document. The query system (12), which is shown in Figure 5, comprises software which can execute a search against the credit database (4) using the search criteria (9) contained in the credit search request. For example, where an individual's name was provided as one credit search criteria (9), the query system (12) would search the database (4) for any records matching that name and provide the information associated therewith as the results of the query. It will be understood that any type of software or tool which can be used to search the database (4) to yield a query result is contemplated within the scope of the present invention as comprising the query system.
    [6" class="description-paragraph] 6. Reporting System The Web site system (2) also includes a reporting system (13) which can receive the results of a credit search performed by the query system (12), corresponding to a credit search request received from a user browser (7), and generate a credit report for transmission back to the browser (7). The reporting system (13) would likely be a software component within the server (3). The reporting system (13) might comprise software on the Web server (3) which will serve the results of a query executed by the query system (12) back to the user browser
    [7" class="description-paragraph] (7) in the form of a Web page. Figure 5 shows one sample of a credit report generated by a reporting software (13) of one embodiment of the present invention, as might be transmitted back to the user in the form of an HTML document. The report of Figure 5 is based upon the sample data shown in Figure 4 and the credit search request outlined in Figure 3. Based on the relatively instantaneous feedback of this reporting result to the user browser (7) from the server (3), the user is provided with a quick and efficient method of performing a credit search on a prospective new client or customer, or an existing client or customer, to whom they are contemplating extending new or further credit privileges. It will be understood that rather than serving the query results back to the browser (7) from the Web server (3) to provide a credit report, other electronic means could also be used. For example, the results of a query executed on the database (4) in accordance with a search request could be e-mailed to the user at a predetermined e-mail address, or faxed to the user at a preset fax number. It will be understood that any type of a transmission of a query result yielded from the execution of a credit search in accordance with a related credit search request back to the user in a prompt and timely fashion, using electronic means, are contemplated within the scope of the present invention. The reporting system (13) might also include means by which the user at their browser (7) could specify parameters for the credit report to be generated by the reporting system (13). For example, an on-line menu might be provided whereby the user through their browser (7) could specify the format of the report that they desired, a sort order for the prospect credit information to be included in the report or other types of sorting or formatting parameters to be applied to a query result being translated into a credit report by the reporting system (13). 7. Authentication Function As also outlined above, authentication of the credit search request upon its receipt by the receiving system (10), and before passing it along to the query system (12), is an additional optional function of the present invention. The authentication might consist of providing a user name and/or password (20) which would limit the use of the Web site system (2) of the present invention to registered users. It will be understood that other types of authentication may also be necessary, such as where a payment was being obtained for the execution of credit search requests (5), it might be desired to authorize the credit card purchase details or the like in advance of yielding the search results back to the user browser (7). It will be understood that any type of authentication allowing only registered users to use the system, or authenticating payment or other security details of a user in advance of execution and feedback for a credit search request are contemplated within the scope of the present invention. It will also be seen that contemplated within the scope of the present invention is to add an accounting system which might also be software which would charge a user fee for the execution of credit search requests.
    [8" class="description-paragraph] 8. Conclusion While the invention has been described herein with reference to certain preferred embodiments, these embodiments have been presented by way of example only, and not to limit the scope of the invention. Accordingly, the scope of the invention should be defined only in accordance with the claims that follow. In the following claims, reference characters used to designate claim steps are provided for convenience of description only, and are not intended to imply any particular order for performing the steps.
    权利要求:
    Claims (18)
    [1] 1. A Web site system which allows users to request and receive credit reports on credit prospects electronically, said Web site system comprising:a) a credit database system which maintains at least one credit database containing prospect credit information;b) a receiving system for receiving credit search requests from users, each credit search request containing at least one search criteria upon which a credit report is desired by the user;c) a query system which upon receipt of a credit search request from the receiving system will perform a credit search of said credit database using the search criteria contained in said credit search request; and d) a reporting system which generates and sends credit reports to users based on the results of credit searches received from the query system, each said credit report corresponding to a credit search request.
    [2] 2. The Web site system of Claim 1 further comprising an authentication system which will authenticate credit search requests received by the receiving system, and pass only authenticated credit search requests to the query system.
    [3] 3. The Web site system of Claim 1 further comprising an accounting system to charge a user fee for the execution of credit search requests.
    [4] 4. The web site system of Claim 1 wherein the prospect credit information contained in the credit database pertains to previous business dealings between debtors and creditors, and is selected from the group of debtor names; debtor addresses; debtor location information; debtor account numbers issued by creditors; debtor photographs; personal identification information of debtors; creditor names; creditor addresses; details of outstanding account balances owed by debtors to creditors; collection histories between debtors and creditors; payment histories between debtors and creditors; creditor location information; and credit ratings assigned to debtors.
    [5] 5. The web site system of Claim 4 wherein the search criteria contained in a credit search request are targets to be searched for within the types of prospect credit information outlined in Claim 4.
    [6] 6. The Web site system of Claim 1 wherein the reporting system includes an online menu for allowing users to specify parameters for the generation of credit reports.
    [7] 7. A computer system for producing credit reports, said computer system comprising: b) at least one server connected to a computer network, with at least one credit database residing therein, said credit database containing prospect credit information;c) means for receiving credit search requests in said server over said computer network from user computers, said credit search requests containing at least one search criteria;d) means for performing credit searches on said credit database using the search criteria provided in a credit search request; and e) means for generating and transmitting to the user computers credit reports corresponding to credit search requests.
    [8] 8. The computer system of Claim 7 wherein the computer network is the Internet.
    [9] 9. The computer system of Claim 7 further comprising at least one user computer connected to said computer network.
    [10] 10. The computer system of Claim 7 further comprising means to authenticate a credit search request before the performance of a query therefore.
    [11] 11. The computer system of Claim 7 further comprising means of charging user fees to users for the execution of credit search requests.
    [12] 12. The computer system of Claim 7 wherein the prospect credit information contained in the credit database pertains to previous business dealings between debtors and creditors, and is selected from the group of debtor names; debtor addresses; debtor location information; debtor account numbers issued by creditors; debtor photographs; personal identification information of debtors; creditor names; creditor addresses; details of outstanding account balances owed by debtors to creditors; collection histories between debtors and creditors; payment histories between debtors and creditors; creditor location information; and credit ratings assigned to debtors.
    [13] 13. The computer system of Claim 12 wherein the search criteria contained in a credit search request are targets to be searched for within the types of prospect credit information outlined in Claim 12.
    [14] 14. The computer system of Claim 7 wherein the user computer is able to transmit parameters for credit reports to be generated to the computer system.
    [15] 15. A method of providing credit reports, said method comprising:a) providing a Web site system including at least one credit database containing prospect credit information, said Web site system allowing for submission of credit search requests from users;and b) in response to the submission of a credit search request from a user to said Web site system, said credit search request containing at least one search criteria, executing a query against said credit database using said search criteria and transmitting the results of said query back to said user.
    [16] 16. The method of Claim 15 further comprising authenticating a credit search request upon receipt by the Web site system, in advance of performance of a query against the credit history database.
    [17] l7.The method of Claim 15 wherein the prospect credit information contained in the credit database pertains to previous business dealings between debtors and creditors, and is selected from the group of debtor names; debtor addresses; debtor location information;debtor account numbers issued by creditors; debtor photographs; personal identification information of debtors; creditor names; creditor addresses; details of outstanding account balances owed by debtors to creditors; collection histories between debtors and creditors; payment histories between debtors and creditors; creditor location information; and credit ratings assigned to debtors.
    [18] 18. The method of Claim 17 wherein the search criteria contained in a credit search request are targets to be searched for within the types of prospect credit information outlined in Claim 17.
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    同族专利:
    公开号 | 公开日
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    WO2004049313A2|2002-11-25|2004-06-10|Pal Dharam|An on-line credit information system|
    CN108564462A|2018-03-15|2018-09-21|平安普惠企业管理有限公司|Acquisition methods, terminal device and the medium of collage-credit data|
    法律状态:
    2004-12-13| EEER| Examination request|
    2010-09-27| FZDE| Dead|
    优先权:
    申请号 | 申请日 | 专利标题
    US52828900A| true| 2000-03-17|2000-03-17||
    US09/528,289||2000-03-17||
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