WO2005124619A1 - Credit management system - Google Patents
Credit management system Download PDFInfo
- Publication number
- WO2005124619A1 WO2005124619A1 PCT/NZ2004/000126 NZ2004000126W WO2005124619A1 WO 2005124619 A1 WO2005124619 A1 WO 2005124619A1 NZ 2004000126 W NZ2004000126 W NZ 2004000126W WO 2005124619 A1 WO2005124619 A1 WO 2005124619A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- credit
- database
- debt
- debtor
- users
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Definitions
- This invention relates to the field of credit management, and more particularly to systems providing credit and credit worthiness information and to an accounts receivable management system for managing the collection, tracking, reporting, and fund remittance functions of debt recovery activity, all within the context of an on-line, real time, environment.
- a "successful" business can be defined as one where sufficient profit is retained in the form of cash to pay the business' expenses when they fall due or, in the case of a small business or professional, the business owner's personal and business expenses when they fall due. There can often be a fine balance between the cost of providing a product or service to the client or customer and making a profit for the owner.
- Credit rating agencies provide historical information about debtors who have defaulted in making payment, typically determined only after 4 or more months have passed from the time the goods or services were supplied. Credit worthiness information is not available about slow payers - only about defaulting payers. Credit providers are generally prohibited by privacy laws from sharing information about slow payers.
- Collection agencies typically charge a fee calculated as a percentage of what is collected. This percentage can be significant, and is often more than the profit on the original transaction. Further, because of the way the agency gets paid the debt collection agency typically has a "pay up now and don't come back" approach and mentality. This often results in the total breakdown of business relationships.
- the present invention provides a multi-user credit management system integrating an accounts receivable management system for managing the collection, tracking, reporting, and fund remittance functions of debt recovery activity with a credit checking system wherein the credit and credit worthiness information is derived and updated automatically by operation of the accounts receivable management system, the system operating within the context of an on-line, real time, environment.
- Internet based functionality is achieved via credit providers subscribing to a secure web enabled database and application facility.
- Credit information for all debtors recorded in the database is available to all subscribers.
- Information in the credit rating database is derived automatically from the debt collection function of the application used by the multiple subscribers.
- a significant advantageous feature of the system is that it inherently provides an incentive to a debtor to prioritise any debts owed to a subscriber ahead of others debts that they may owe.
- the result occurs because everyone generally wants a good credit rating, and in the system of the present invention all debtors start with a clean slate.
- the system uses that as an incentive to pay.
- Correspondence, generated in-house, to a delinquent debtor desirably specifically asks for payment to ensure their credit rating is not damaged by their tardiness.
- An individual debtor may well have a serious credit rating with others but not with subscribers to the system of the present invention.
- the system of the present invention places control with the credit provider. It enables them to affect any debtor's credit rating until such time as the debt is paid. When the debt is paid the debtor's credit rating becomes A1 again.
- Figure 1 illustrates a functional overview of a preferred embodiment of the credit management system of the present invention
- Figure 2 illustrates a functional decomposition chart of the system of figure 1 ;
- Figure 3 illustrates a functional diagram of the debt collection process operated by the debt collection module of the system of figure 1
- Figure 4 illustrates a flow diagram of the steps in the debt collection process operated by the debt collection module of the system of figure 1 ;
- Figure 5 illustrates by way of example a letter of the type generated during the debt collection process operated by the debt collection module of the system of figure 1.
- the invention comprises a credit management system 1 having an online database 2 and application software through which one or more credit providers, or agents, can interact with the database 2.
- the application software has a login security module 3 through which each agent must successfully pass before they can interact in any way with the database 2. Key interactions possible are firstly to query the database 2 via a credit check module 4 to establish what information is contained within the database 2 as to the creditworthiness of a customer or potential customer, and secondly, to perform debt collection processing via a debt collection module 5 in respect of that agent's debts as recorded in the database 2.
- Figure 2 provides a functional deposition chart of the entire system 1 within the context of a website map. Initialising the process of joining the system 1 and being set up as an agent can be commenced online.
- a prospective agent cannot use the system 1 of the preferred embodiment until the system manager has received the documents necessary as required by applicable laws and has approved the agent. Once this has been done the new agent will have their online account activated and a user identification and password will be provided. This will then allow them to progress through the login module 3.
- the new agent be required to read, and more preferably download, documentation as to how the debt collection process works and the essential legal requirements necessary in their interactions with customers. These can then be checked to ensure that the agent's own terms of trade enable them to gain maximum advantage from the system 1. It is desirable that the agent provide some form of verification or undertaking that they have read the documentation. This would typically be by clicking on an icon or re-entering their login password or the like.
- the agent can either move to the credit checking module 4 or the debt collection module 5.
- a search is initiated using the search function 10 by the agent entering the name of the debtor (or potential debtor). Depending on the debtor's name it may be necessary to provide additional details to narrow the search down. Optionally the full details for the potential debtor can be entered, and if they are not already in the database 2 a record for them can be created. If the debtor is located in the database 2 the View History function 11 allows all of the debtor's history to be examined.
- Optional features of the system 1 include Current Debtor Report 12, which lists all of the inquiring agent's debtors with each of their debts. This feature provides and easy way to print out all of the current debts owed to the agent and their status.
- a further optional feature includes List Current Debtors 13, i.e. debtors of the agent who have outstanding debts, giving the option of viewing each of their debt history, or entering a debt for them. This feature has the advantage of saving time searching by name for each debtor.
- the credit checking module 4 can be used to enter a new debt that has not been paid. Regardless of which module 4/5 is used as the entry point the process of entering a new debt is substantially the same.
- the agent After the debtor is identified, or in the case of a debtor new to the system 1 after their details have been entered, the agent enters the month of the debt and its amount. The month of the debt only is necessary in the preferred embodiment of the invention, as the debt collection module 5 operates on the 20 th of the month after the debt is due rather than a certain amount of weeks from the debt.
- a significant advantage flows from that, particularly for small business and sole traders, as it means that debt collection can be done in batches, rather than every day. This also means that the agent has the option of not entering every invoice they issue into the system, but has the option of only entering those debts which are just past due.
- the agent can initiate the debt collection process for a new debt, or can continue to process debts already on the system.
- Figure 3 illustrates the functioning of the debt collection module 5 in the form of a chart, showing how the debt collection process flows from Invoice to Legal Action and revolves around the View History 11 functionality, which is a feature shared with the credit check module 4.
- Figure 4 illustrates the steps in the debt collection process as a flow diagram.
- the debt collection module 5 prompts the agent to send a "friendly" reminder letter 20.
- a sample of such a letter is illustrated in figure 5, and is entirely generated by the debt collection module 5 of the system 1.
- the letter 20 is designed to show that a third party, namely the organisation operating the system 1 to which the agent owed the debt is affiliated by virtue of use of the system 1 , is involved with the credit management process, and is also designed not to unduly intimidate the debtor.
- the debt collection module 5 automatically jumps forward to the appropriate automated action relevant to the current status of that debtor, and the agent is thus prompted to send a letter such as a credit watch or credit stop letter instead of the "Friendly" reminder.
- this function of the system 1 prevents a debtor from moving from one credit provider to the next creating a string of debts owed as a cascading time line. In the present invention all agent users of the system 1 have to be paid before the debtor's credit status is restored to A1 and thus there is an incentive for the debtor to clear the debts owed to all of the member agents.
- the collection process continues such that after the "friendly" reminder letter is sent the next letter will be due to be sent at a preset thereafter, typically 10 days later.
- the agent logs into the system 1 10 days further on they are prompted to send a system generated letter advising the debtor of their current credit rating, the debt owed and who to, and that prompt payment direct to the agent is required if a downgrade of the credit rating is to be avoided.
- the debtor's status within the database 2 stays at A1 status until the next system generated letter is sent placing the debtor on notice that they are on "credit watch”.
- the system 1 alerts to agents that a debtor on credit watch may be still given credit by an agent at their discretion, but that the debtor may be a potential credit risk as this debt is now two months overdue.
- a debtor's status is already credit watch when a new debt is entered then the first letter sent out for the new debt will be "credit watch" as well, which means the second debt will have to be paid before the debtor's credit rating is restored to A1.
- collection fees can be added at this stage.
- the debt collection module 5 sets a default fee level of 20% of the debt amount. Higher or lower collection fees can be charged as long as they are "reasonable” in terms of how much effort is required to collect the debt. Alternatively the debt collection module 5 allows the collection charges to be raised at the "credit stop” stage if the debt continues not to be paid. These collection fees belong to the agent i.e. the person or company sending out the letters.
- the debt collection module 5 prompts the agent to send out a "credit stop” letter. If the debtor's status is already “credit stop” when a new debt is entered then this will be the first letter sent for the new debt. This highly accelerates the debt collection process, which means agent's debts are much more likely to be paid rather than waiting for months before action is taken.
- the final step within the debt collection module 5 is the setting of a date for the debt to be referred for legal action. Again this is a predetermined period after the "credit stop" letter, but the period of time can be adjusted to fit in with the agent's credit management policy.
- the debt can be flagged as being paid.
- This function 14 forms part of the view history 11 feature. Once the debt is paid the debt collection module 5 resets the debtor's status in the database 2 back to A1 unless they have other outstanding debts.
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/NZ2004/000126 WO2005124619A1 (en) | 2004-06-18 | 2004-06-18 | Credit management system |
AU2004320845A AU2004320845A1 (en) | 2004-06-18 | 2004-06-18 | Credit management system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/NZ2004/000126 WO2005124619A1 (en) | 2004-06-18 | 2004-06-18 | Credit management system |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2005124619A1 true WO2005124619A1 (en) | 2005-12-29 |
Family
ID=35509916
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/NZ2004/000126 WO2005124619A1 (en) | 2004-06-18 | 2004-06-18 | Credit management system |
Country Status (2)
Country | Link |
---|---|
AU (1) | AU2004320845A1 (en) |
WO (1) | WO2005124619A1 (en) |
Cited By (24)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US9558519B1 (en) | 2011-04-29 | 2017-01-31 | Consumerinfo.Com, Inc. | Exposing reporting cycle information |
US9563916B1 (en) | 2006-10-05 | 2017-02-07 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US9569797B1 (en) | 2002-05-30 | 2017-02-14 | Consumerinfo.Com, Inc. | Systems and methods of presenting simulated credit score information |
US9576030B1 (en) | 2014-05-07 | 2017-02-21 | Consumerinfo.Com, Inc. | Keeping up with the joneses |
US9684905B1 (en) | 2010-11-22 | 2017-06-20 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US9690820B1 (en) | 2007-09-27 | 2017-06-27 | Experian Information Solutions, Inc. | Database system for triggering event notifications based on updates to database records |
US9697263B1 (en) | 2013-03-04 | 2017-07-04 | Experian Information Solutions, Inc. | Consumer data request fulfillment system |
US9870589B1 (en) | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
US10102536B1 (en) | 2013-11-15 | 2018-10-16 | Experian Information Solutions, Inc. | Micro-geographic aggregation system |
US10242019B1 (en) | 2014-12-19 | 2019-03-26 | Experian Information Solutions, Inc. | User behavior segmentation using latent topic detection |
US10417704B2 (en) | 2010-11-02 | 2019-09-17 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
US10586279B1 (en) | 2004-09-22 | 2020-03-10 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
US10671749B2 (en) | 2018-09-05 | 2020-06-02 | Consumerinfo.Com, Inc. | Authenticated access and aggregation database platform |
US10678894B2 (en) | 2016-08-24 | 2020-06-09 | Experian Information Solutions, Inc. | Disambiguation and authentication of device users |
US10735183B1 (en) | 2017-06-30 | 2020-08-04 | Experian Information Solutions, Inc. | Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network |
US10757154B1 (en) | 2015-11-24 | 2020-08-25 | Experian Information Solutions, Inc. | Real-time event-based notification system |
US10909617B2 (en) | 2010-03-24 | 2021-02-02 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US10937090B1 (en) | 2009-01-06 | 2021-03-02 | Consumerinfo.Com, Inc. | Report existence monitoring |
US11157997B2 (en) | 2006-03-10 | 2021-10-26 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
US11227001B2 (en) | 2017-01-31 | 2022-01-18 | Experian Information Solutions, Inc. | Massive scale heterogeneous data ingestion and user resolution |
US11410230B1 (en) | 2015-11-17 | 2022-08-09 | Consumerinfo.Com, Inc. | Realtime access and control of secure regulated data |
US11620403B2 (en) | 2019-01-11 | 2023-04-04 | Experian Information Solutions, Inc. | Systems and methods for secure data aggregation and computation |
CN117078400A (en) * | 2023-08-31 | 2023-11-17 | 宁夏恒信创达数据科技有限公司 | Big data-based collection priority allocation system |
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2004
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- 2004-06-18 AU AU2004320845A patent/AU2004320845A1/en not_active Abandoned
Patent Citations (3)
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US11373261B1 (en) | 2004-09-22 | 2022-06-28 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
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US11004147B1 (en) | 2008-08-14 | 2021-05-11 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
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US10115155B1 (en) | 2008-08-14 | 2018-10-30 | Experian Information Solution, Inc. | Multi-bureau credit file freeze and unfreeze |
US10650448B1 (en) | 2008-08-14 | 2020-05-12 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US10937090B1 (en) | 2009-01-06 | 2021-03-02 | Consumerinfo.Com, Inc. | Report existence monitoring |
US10909617B2 (en) | 2010-03-24 | 2021-02-02 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US10417704B2 (en) | 2010-11-02 | 2019-09-17 | Experian Technology Ltd. | Systems and methods of assisted strategy design |
US9684905B1 (en) | 2010-11-22 | 2017-06-20 | Experian Information Solutions, Inc. | Systems and methods for data verification |
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