Patent ID: 7133935

Claim:
A computer program product for enabling a computer to transmit a credit bureau inquiry pertaining to a client customer to a credit bureau and receive a response to the inquiry from the credit bureau, said computer program product comprising: software instructions for enabling the computer to perform predetermined operations; and a computer readable medium bearing the software instructions, the predetermined operations including the steps of: (a) displaying the credit bureau inquiry and the credit bureau response in a web browser-supported format, (b) directing and controlling the formatting and transmitting of the credit bureau inquiry and credit bureau response between a client terminal and the credit bureau, (c) connecting the web browser to said at least one web application via the Internet, thereby facilitating the transfer of the credit bureau inquiry from the web browser to said at least one web application and the transfer of the credit bureau response from said at least one web application to the web browser, (d) displaying the credit report in a web browser-supported format, (e) formatting and transmitting the credit bureau inquiry and the credit bureau response between the client terminal and the credit bureau, and (f) connecting the web browser to said at least one web application via the Internet, thereby facilitating the transfer of the credit bureau report from the web browser to the web application; whereby the client is able to send credit information about a client customer electronically to the service provider, the service provider then forwarding the credit information to the credit bureau, providing the ability for the client to generate an on-line credit report for submission to the credit bureau, and whereby the client is able to enter the credit report in the web browser of the client terminal in web browser-supported format, rather than using the format required by the credit bureau, providing easier and better understandable entry of the credit information.