Patent ID: 8615464

Claim:
A computer system for managing information relating to credit of a customer, the computer system comprising: a credit information manager component, implemented on a computer, that obtains an external credit score from third party credit information providers, and collects credit data about the customer, wherein collecting credit data includes analyzing internal customer data, obtaining customer data from at least one business partner, monitoring credit data validity, and automatically updating credit data; a credit limit manager component, implemented on the computer, which manages credit limit master data by calculating open and used credit for the customer; a credit decision support component, implemented on the computer, which performs analyses of accounting information relating to the customer; and a credit rules engine, implemented on the computer, which: receives the collected credit data from the credit information manager; and calculates an internal credit score and internal credit limits by combining: the external credit score; the credit data received from the credit information manager; the credit limit master data: the calculated open and used credit; and the accounting information related to the customer.