Patent ID: 7698206

Claim:
In a method for collecting a debt of a debtor to a creditor, the method comprising: entering in a data processing system data at least comprising data concerning the debtor and the debt, permitting for the debt access for at least two parties to at least a part of the data entered in the system, and initiating an action for collecting the debt on a basis of the data entered in the database, an improvement consisting of: a) entering accounting data regarding accounts payable to the creditor and payments to the creditor into the system; b) enabling a financing party providing a loan to the creditor on the payable accounts to inspect at least a part of the accounting data for determining an amount of the loan based on at least the part of the accounting data; c) determining a rating from the at least part of the accounting data; d) determining an amount of the loan based on the rating; and e) providing the loan in the determined amount by the financing party to the creditor.