System and method for system to system credit information...

Details System and method for system to system credit information... System and method for system to system credit information...

G - Physics

06

G

G06G 7/52 (2006.01) G06F 17/30 (2006.01) G06F 17/60 (1995.01)

Patent

CA 2341039

The invention relates to a credit updating system (16) which permits credit files stored in different formats, and possibly in different countries, to be seamlessly exchanged and updated without conversion on the end users' part. A central credit repository (20) stores credit information in a universal format, such as the ICCIF format formulated by Equifax, In., but contains an interpreter module (40) to accept and map data from idiosyncratic foreign credit systems (24) to that database. The client (10a) of the credit system, such as banks issuing credit cards, can specify language, currency denomination, exchange rate and other information according to their needs. System-to-system credit file updating is enhanced.

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

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