Patent Document ID: 7552086
Application ID: 10005102
Patent Status: 1

Claim One:
1. A computer-implemented method for a credit grantor to manage a credit of a credit requestor, comprising the steps of: upon the occurrence of an event: assigning a Credit Classification to the credit requestor, the Credit Classification being related to a credit risk of the credit requestor; determining a Type of Review to carry out for the credit requestor based upon a nature of the event; providing a plurality of checklists of data items required to be collected, the data items of each provided checklist being determined at least by a combination of the assigned Credit Classification and the determined Type of Review; storing the plurality of checklists of data items to be collected; selecting, using a computer, one of the stored plurality checklists of data items based upon the combination of the assigned Credit Classification and the determined Type of Review; creating or updating a case folder for the requestor, the case folder including the selected checklist of data items to be collected; collecting each required data item of the selected checklist and storing each collected data item in the case folder; analyzing the collected data items in the case folder according to a score sheet and a workflow, the score sheet being determined at least by the combination of the assigned Credit Classification and determined Type of Review and calculating a credit score for the credit requestor, and generating a recommended action based upon the calculated credit score.