Patent Document

FIELD OF THE INVENTION  
         [0001]    The present invention relates to a system and a method for processing credit applications. More specifically, the invention relates to a system and a method for processing credit applications wherein the consumer&#39;s identification is removed from credit application, and the remaining information is organized in a predetermined fashion, encrypted, and transmitted to a financial institution for approval or disapproval.  
         BACKGROUND OF THE INVENTION  
         [0002]    Systems and methods for the automatic review of credit applications are well known. Typically in such systems and methods, credit information is retrieved from credit bureaus, and credit history and transaction information are transmitted to financial institutions for review. In some such systems and methods, information about the consumer&#39;s credit history is organized and formatted in a predetermined fashion before transmittal. The financial institution then processes this information and decides whether to approve or disapprove of the transaction.  
           [0003]    Several of these automatic credit application review systems and methods have been patented. For example, U.S. Pat. No. 5,930,776, to Dykstra, et al., is for an automated credit evaluation and loan processing system. In this system, a potential borrower accesses the system through remote terminal, which is authenticated by a simple call-back, PIN protocol. Information about the borrower is transmitted to a host computer, a credit report is retrieved and credit scoring is used to approve or decline the loan at the host computer.  
           [0004]    Similarly, U.S. Pat. No. 5,878,403 to DeFrancesco, et al., is for an automated credit application and routing system. Applications are received at a central processor from remote terminals, where they are forwarded to financial institutions along with credit bureau reports. Decisions from the financial institutions are forwarded back to the central processor.  
           [0005]    U.S. Pat. No. 5,274,547, to Zoffel, et al., is for a system for collating, formatting and transmitting credit reports. Credit reports are retrieved from multiple credit bureaus. The information in the bureau reports are compared and the best data is collected into a formatted credit report. The formatted credit report is then transmitted via modem to a customer.  
           [0006]    Consumers also have a legitimate interest in keeping their names and identities private during the initial stages of the credit application process. In addition to the consumer&#39;s basic privacy interest, a person&#39;s name alone may convey certain information such as gender and ethnicity that is, by law, extraneous to the lending transaction. Normally, credit applications, including those submitted electronically, include the applicant&#39;s name for purposes of tracking, but that information is not vital to the initial credit application process and in fact may be a hindrance to efficient, reliable, and trustworthy processing. Even if a lending institution&#39;s decision making is in fact entirely in keeping with the requirements of the Fair Lending Act and similar requirements, the fact that this extraneous information is part of the application may result in false accusations of bias or discrimination.  
         SUMMARY OF THE INVENTION  
         [0007]    The present invention includes a method and a system for processing credit applications, wherein credit data is “anonymized,” appended with specific transactional information, organized into a predetermined format, and encrypted, forming a “summary packet”. This summary packet is then transmitted to a lending institution. At the lending institution, the application can be decrypted and processed and the lending decision returned to the requestor.  
           [0008]    Alternatively, the present invention includes a method for processing credit applications, including several steps. A credit request is received including consumer identification data. Credit report data is received corresponding to the consumer identification data. The credit report data is organized to form formatted credit report data. Consumer identification data is removed from the formatted credit report data and credit request data to form anonymized credit data. Pre-defined application data, credit report data, and credit request data characteristics are appended. The anonymized credit data is encrypted to form an encrypted credit file. The encrypted credit file is transmitted to a lending institution. A response is received indicating credit approval corresponding to the encrypted credit file.  
           [0009]    Further features and advantages of the invention will become apparent from the following detailed description and accompanying drawings.  
       
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0010]    Other objects, advantages, features and characteristics of the present invention, as well as methods, operation and functions of related elements of structure, and the combination of parts and economies of manufacture, will become apparent upon consideration of the following description and claims with reference to the accompanying drawings, all of which form a part of this specification, wherein like reference numerals designate corresponding parts in the various figures, and wherein:  
         [0011]    [0011]FIG. 1 shows a credit-processing system diagram, according to an embodiment of the present invention.  
         [0012]    [0012]FIG. 2 depicts a different view of a similar credit-processing system, according to an embodiment of the present invention.  
         [0013]    [0013]FIG. 3 illustrates a flowchart of a method for processing credit applications, according to an embodiment of the present invention.  
     
    
     DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS  
       [0014]    In the following detailed description of the preferred embodiments, reference is made to the accompanying drawings, which form a part hereof, and in which is shown by way of illustration specific preferred embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention, and it is to be understood that other embodiments may be utilized and that logical, mechanical, electrical and software changes may be made without departing from the spirit or scope of the invention. To avoid detail not necessary to enable those skilled in the art to practice the invention, the description may omit certain information known to those skilled in the art. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is defined only by the appended claims.  
         [0015]    [0015]FIG. 1 depicts a credit processing system. FIG. 2 is a different depiction of a similar system. A credit originator ( 110 ) creates a credit request ( 120 ) that is sent to a credit-processing center ( 140 ). FIG. 3 depicts a method for processing credit applications by the credit-processing center ( 140 ). The credit request will typically include consumer identification data, a transaction identifier such as an identification number, and transaction data such as credit product, terms, transaction amount, collateral, interest rates, deposits, down payments, possible payment options. Table 1, located in the Appendix, below, contains a request for credit layout example. The consumer identification data could be the consumer&#39;s name, social security number or any other data used by a credit bureau to identify a consumer. The originator ( 110 ) of the credit request ( 120 ) may be a consumer, a credit-processing center, a financial institution, institutions in a service bureau arrangement for credit transactions, or institutions wishing to market or broker applications of creditworthy consumers. Other originators could be institutional or consumer auction environments of credit applications, institutions using a type of transactional clearing house, or the consumer themselves wishing to shop their credit transaction applications to a number of institutions while remaining anonymous.  
         [0016]    The transmission of the credit request ( 120 ) from the originator ( 110 ) to the credit-processing center ( 140 ) is preferably made through standard communication channels, such as a telephone call, fax or Internet. Other forms of communication could be used, as will be apparent to one having skill in the art, as would be appropriate to the parties.  
         [0017]    The credit-processing center ( 140 ) receives the credit request ( 120 ) and extracts consumer identification data from the credit request ( 120 ). Using the consumer identification data, the credit-processing center ( 140 ) requests one or more credit reports ( 150 ) associated with the consumer identified by the consumer identification data from one or more credit bureaus ( 160 ). Credit bureaus provide credit information about particular consumers and presently include such bureaus as Experian, Equifax and Trans Union. The requests are preferably made by a secure direct connection between the credit-processing center, but other forms of transmission could be used, as appropriate. The credit bureaus ( 160 ) transmit the credit reports ( 165 ) of credit report data for the identified consumer back to the credit-processing center ( 140 ), using an appropriate communication channel.  
         [0018]    The credit-processing center ( 140 ) arranges the data in the credit reports into a predetermined format of formatted credit report data. Table 2, located in the Appendix, below, contains an example of a standard, predetermined format for an anonymized credit request. Other formats could be used, as will be apparent to those skilled in the art. Formatting preferably includes a “normalization” of the credit data received from one or more of the credit bureaus into a standardized method of representing the data uniformly, so that the normalized data is transparent with regard to the data source. Table 3, located in the Appendix, below, contains a “normalized” credit report layout example. The data is then categorized, summarized, or used in calculations to create a set of predefined attributes. These attributes provide a consistent representation of the credit information received.  
         [0019]    The credit-processing center ( 140 ) compiles the credit request ( 120 ) and the formatted credit reports ( 165 ) to form a compiled credit file. The credit-processing center ( 140 ) then anonymizes the compiled credit file to form an anonymized compiled credit file. In the alternative, the credit-processing center ( 140 ) would anonymize the credit request ( 120 ) and formatted credit reports ( 165 ) individually, and subsequently compile the anonymized credit request and anonymized credit reports to form an anonymized compiled credit file.  
         [0020]    The “anonymization” process removes all customer identifiable data from the compiled credit file. Customer identifiable data is any information that could reveal the identity of the customer, such as the customer&#39;s name, address, social security number, driver&#39;s license number, taxpayer identification number, application data, debit transaction history, public record information, retail company, identification, legal actions, collection activities or similar data.  
         [0021]    The credit-processing center encrypts the anonymized compiled credit file using an Advanced Encryption Standard (AES) FIPS-approved cryptographic algorithm that can be used to protect electronic data. The AES algorithm is a symmetric block cipher that can encrypt (encipher) and decrypt (decipher) information. Encryption converts this anonymized compiled credit file to an unintelligible form (ciphertext) to create the encrypted summary packet of credit and application data. The encrypted summary packet is transmitted ( 180 ) by the credit-processing center ( 140 ) to one or more lending institutions ( 190 ). The ciphertext file may be transmitted to the lending institution by standard communication techniques such as the Internet, intranet, telephone, wireless communication, or facsimile or other similar techniques. The method used to convey the encrypted summary packet may depend primarily on the type of transaction requested. If the transaction were a credit application that is to be bid out to multiple lending institutions ( 190 ), the primary transmission method would preferably be the Internet. The encrypted summary packet is sent ( 180 ) to the pre-defined IP addresses of lending institutions ( 190 ) that monitor or “listen” for these unsolicited transactions. The credit-processing center ( 140 ) generates these parallel transmissions of encrypted summary packets ( 180 ) from a list of lending institutions ( 190 ) interested in receiving those particular transaction types.  
         [0022]    The lending institution ( 190 ) decrypts the encrypted summary packet ( 180 ) to recover the anonymized compiled credit file. The decryption process will convert the ciphertext back to its original form called plaintext. The AES algorithm is capable of using cryptographic keys of 128, 192, and 256 bits to encrypt and decrypt data in blocks of 128 bits. Other forms of encryption could be used, as will be apparent to one having skill in the art, as would be appropriate to the parties involved in the transactions.  
         [0023]    Using the anonymized compiled credit file, the lending institutions use their individual credit evaluation systems to evaluate the creditworthiness of a hypothetical consumer for the proposed transaction. The evaluation is typically done using scorecards and/or decision tree scenarios that are standard in the credit evaluation field, or proprietary to the particular lending institution. Loan origination systems, credit decisioning systems, loan application scoring/processing systems or specialty platforms would be coded to accept the formatted credit information and could therefore analyze that packet without the need for further translation.  
         [0024]    Co-ops could easily share the encrypted packets for multiple product decisioning as well as multiple lending institution offerings. Scoring and decisioning on these credit transactions would provide cross-selling types of multiple decisioning from a single consumer generated transaction request. The consumer generating the initial request could exclude themselves from such cross-selling types of analysis by an application flag within the summary packet.  
         [0025]    If the lending institution ( 190 ) determines that the hypothetical applicant would be an acceptable risk by that lending institution&#39;s standards and would be willing to accept any conditional terms outlined in the anonymized compiled credit file, the lending institution ( 190 ) transmits a response ( 195 ) to the credit-processing center ( 140 ) that the lending institution ( 190 ) would be willing to consider accepting the proposed transaction. Such notification may be via the Internet, intranet, telephone, wireless communication, or facsimile. This may be expedited by transmitting the transaction identifier associated with the credit request and the acceptance. If a lending institution would not accept the proposed transaction, then no action is taken by the credit-processing center ( 140 ). Only the acceptance of transactions generates a response ( 200 ) from the credit-processing center ( 140 ) to the credit originator ( 110 ). Multiple lending institutions ( 190 ) accepting the terms of an individual summary packet can be handled by assigning priority by first response or on a right of first refusal basis.  
         [0026]    Although the invention has been described with a certain degree of particularity, it should be recognized that elements thereof may be altered by persons skilled in the art without departing from the spirit and scope of the invention. The invention is limited only by the following claims and their equivalents.  
       APPENDIX  
       [0027]    [0027]                                               TABLE 1                           Request for Credit Layout Example.            Input segment: “IN”   (Type, Size)   Field Description                    1   INsegid   Text, 4   set to “IN02”       2   INsourcesegid   Text, 10   Company Source ID Number       3   INreqdate   Date, 8   Date of Request       4   INbureaurequested   Text, 9   Bureaus Requested                   (i.e. EFX, TU, XPN)       5   INmergeflag   Text, 1   Merge = 1, Non-Merged                   Reports = 2       6   INtracking   Text, 15   Tracking ID Number       7   INname   Text, 40   Applicant&#39;s Full Name       8   INappidnum   Text, 9   Applicant&#39;s ID Number       9   INcoapp   Text, 40   Co-Applicant&#39;s Full Name       10   INcoappidnum   Text, 9   Co-Applicant&#39;s ID Number       11   INstreet   Text, 35   Street Name       12   INcity   Text, 50   City, State, Province,                   Mail Code &amp; Zip code       13   INuser   Text, 32   User ID of requestor                   (User name used to                   select printer,       14   INappid   Text, 20   Application ID number       15   INtxnid   Text, 20   Transaction ID Number       16   INproduct   Text, 35   Loan Product Name       17   INterms   Text, 50   Proposed Terms of Loan       18   INtxnamount   Amount, 12   Loan Amount Requested       19   INcollateral   Text, 35   Collateral Offered       20   INvin   Text, 20   Vehicle ID Number       21   INapr   Text, 12   Annual Percentage Rate       22   INdownpay   Amount, 12   Down Payment Amount       23   INpayamount   Amount, 12   Regular Payment Amount       24   INpayoption   Text, 50   Payment Option Text       25   INinstype1   Text, 35   Insurance Type 1       26   INinsrate1   Text, 9   Insurance Rate 1       27   INinstype2   Text, 35   Insurance Type 2       28   INinsrate2   Text, 9   Insurance Rate 2       29   INballoonamt   Amount, 12   Balloon Amount       30   INballoondate   Date, 8   Balloon Date       31   INappincome   Amount, 12   Applicant&#39;s Income       32   INappemployer   Text, 35   Applicant&#39;s Employer       33   INappempaddr   Text, 50   Applicant&#39;s Employer                   Address (City, State,       34   INappempphone   Text, 15   Applicant&#39;s Employer Phone       35   INcoappincome   Amount, 12   Co-Applicant&#39;s Income       36   INcoappemployer   Text, 35   Co-Applicant&#39;s Employer       37   INcoappempaddr   Text, 50   Co-Applicant&#39;s Employer                   Address (City, State, Pro-                   vince, Mail Code &amp; Zip code)       38   INcoappempphone   Text, 15   Co-Applicant&#39;s Employer Phone       39   INcototothincome   Amount, 12   Total Additional Income for                   Consideration       40   INcootherincsource   Text, 35   Source of Other Income       41   INuserfield1   Text, 35   User Defined Field #1       42   INuserfield2   Text, 35   User Defined Field #2       43   INuserfield3   Text, 35   User Defined Field #3       44   INuserfield4   Text, 35   User Defined Field #4       45   INuserfield5   Text, 35   User Defined Field #5       46   INuserfield6   Text, 35   User Defined Field #6                            
         [0028]    [0028]                                                                                                           TABLE 2                       “Anonymized” Credit Packet Layout Example                                Input segment: “IN”   (Type, Size)   Field Description                    1   INsegid   Text, 4   Set to “IN02”       2   INsourcesegid   Text, 10   Company Source ID Number       3   INreqdate   Date, 8   Date of Request       4   Inbureaurequested   Text, 9   Bureaus Requested                   (i.e. EFXTU XPN)       5   INmergeflag   Text, 1   Merge = 1, Non-Merged                   Reports = 2       6   INtracking   Text, 15   Tracking ID Number       7   INuser   Text, 32   User ID of requestor (User                   name used to select                   printer, account, etc.)       8   INappid   Text, 20   Application ID number       9   INtxnid   Text, 20   Transaction ID Number       10   INproduct   Text, 35   Loan Product Name       11   INterms   Text, 50   Proposed Terms of Loan       12   INtxnamount   Amount, 12   Loan Amount Requested       13   INcollateral   Text, 35   Collateral Offered       14   Invin   Text, 20   Vehicle ID Number       15   Inapr   Text, 12   Annual Percentage Rate       16   INdownpay   Amount, 12   Down Payment Amount       17   INpayamount   Amount, 12   Regular Payment Amount       18   INpayoption   Text, 50   Payment Option Text       19   INinstypel   Text, 35   Insurance Type 1       20   INinsratel   Text, 9   Insurance Rate 1       21   INinstype2   Text, 35   Insurance Type 2       22   INinsrate2   Text, 9   Insurance Rate 2       23   INballoonamt   Amount, 12   Balloon Amount       24   INballoondate   Date, 8   Balloon Date       25   INappincome   Amount, 12   Applicant&#39;s Income       26   INcoappincome   Amount, 12   Co-Applicant&#39;s Income       27   INcototothincome   Amount, 12   Total Additional Income                   for Consideration       28   INcootherincsource   Text, 35   Source of Other Income       29   INuserfield1   Text, 35   User Defined Field #1       30   INuserfield2   Text, 35   User Defined Field #2       31   INuserfield3   Text, 35   User Defined Field #3       32   INuserfield4   Text, 35   User Defined Field #4       33   INuserfield5   Text, 35   User Defined Field #5       34   INuserfield6   Text, 35   User Defined Field #6                    Consumer Information Segment: CI   Type/Size                    1   SUCIsegid   Text/4       2   SUCIsourcesegid   Text/4       3   SUCIbureauhitlevelid   Text/10       4   SUCIdedupflag   Num/1       5   SUCIdedupids   Text/250       6   SUCIcategory   Text/2       7   SUCI001   Num/11       8   SUCI002   Num/11       9   SUCI003   Num/11       10   SUCI004   Num/11       11   SUCI005   Num/11       12   SUCI006   Num/11       13   SUCI007   Num/11       14   SUCI008   Num/11       15   SUCI009   Num/11       16   SUCI010   Num/11       17   SUCI011   Num/11       18   SUCI012   Num/11       19   SUCI013   Num/11       20   SUCI014   Num/11       21   SUCI015   Num/11       22   SUCI016   Num/11       23   SUCI017   Num/11       24   SUCI018   Num/11       25   SUCI019   Num/11       26   SUCI020   Num/11       27   SUCI021   Num/11       28   SUCI022   Num/11       29   SUCI023   Num/11       30   SUCI024   Num/11       31   SUCI025   Num/11       32   SUCI026   Num/11       33   SUCI027   Num/11       34   SUCI028   Num/11       35   SUCI029   Num/11       36   SUCI030   Num/11       37   SUCI031   Num/11       38   SUCI032   Num/11       39   SUCI033   Num/11       40   SUCI034   Num/11       41   SUCI035   Num/11       42   SUCI036   Num/11       43   SUCI037   Num/11       44   SUCI038   Num/11       45   SUCI039   Num/11       46   SUCI040   Num/11       47   SUCI041   Num/11       48   SUCI042   Num/11       49   SUCI043   Num/11       50   SUCI044   Num/11       51   SUCI045   Num/11       52   SUCI046   Num/11       53   SUCI047   Num/11       54   SUCI048   Num/11       55   SUCI049   Num/11       56   SUCI050   Num/11       57   SUCI051   Num/11       58   SUCI052   Num/11       59   SUCI053   Num/11       60   SUCI054   Num/11       61   SUCI055   Num/11       62   SUCI056   Num/11       63   SUCI057   Num/11       64   SUCI058   Num/11       65   SUCI059   Num/11       66   SUCI060   Num/11       67   SUCI061   Num/11       68   SUCI062   Num/11       69   SUCI063   Num/11       70   SUCI064   Num/11       71   SUCI065   Num/11       72   SUCI066   Num/11       73   SUCI067   Num/11       74   SUCI068   Num/11       75   SUCI069   Num/11       76   SUCI070   Num/11       77   SUCI071   Num/11       78   SUCI072   Num/11       79   SUCI073   Num/11       80   SUCI074   Num/11       81   SUCI075   Num/11       82   SUCI076   Num/11       83   SUCI077   Num/11       84   SUCI078   Num/11       85   SUCI079   Num/11       86   SUCI080   Num/11       87   SUCI081   Num/11       88   SUCI082   Num/11       89   SUCI083   Num/11       90   SUCI084   Num/11       91   SUCI085   Num/11       92   SUCI086   Num/11       93   SUCI087   Num/11       94   SUCI088   Num/11       95   SUCI089   Num/11       96   SUCI090   Num/11       97   SUCI091   Num/11       98   SUCI092   Num/11       99   SUCI093   Num/11       100   SUCI094   Num/11       101   SUCI095   Num/11       102   SUCI096   Num/11       103   SUCI097   Num/11       104   SUCI098   Num/11       105   SUCI099   Num/11       106   SUCI100   Num/11       107   SUCI101   Num/11       108   SUCI102   Num/11       109   SUCI103   Num/11       110   SUCI104   Num/11       111   SUCI105   Num/11       112   SUCI106   Num/11       113   SUCI107   Num/11       114   SUCI108   Num/11       115   SUCI109   Num/11       116   SUCI110   Num/11       117   SUCI111   Num/11       118   SUCI112   Num/11       119   SUCI113   Num/11       120   SUCI114   Num/11       121   SUCI115   Num/11       122   SUCI116   Num/11       123   SUCI117   Num/11       124   SUCI118   Num/11       125   SUCI119   Num/11       126   SUCI120   Num/11       127   SUCI121   Num/11       128   SUCI122   Num/11       129   SUCI123   Num/11       130   SUCI124   Num/11       131   SUCI125   Num/11       132   SUCI126   Num/11       133   SUCI127   Num/11       134   SUCI128   Num/11       135   SUCI129   Num/11       136   SUCI130   Num/11       137   SUCI131   Num/11       138   SUCI132   Num/11       139   SUCI133   Num/11       140   SUCI134   Num/11       141   SUCI135   Num/11       142   SUCI136   Num/11       143   SUCI137   Num/11       144   SUCI138   Num/11       145   SUCI139   Num/11       146   SUCI130   Num/11       147   SUCI141   Num/11       148   SUCI142   Num/11       149   SUCI143   Num/11       150   SUCI144   Num/11       151   SUCI145   Num/11       152   SUCI146   Num/11       153   SUCI147   Num/11       154   SUCI148   Num/11       155   SUCI149   Num/11       156   SUCI150   Num/11       157   SUCI151   Num/11       158   SUCI152   Num/11       159   SUCI153   Num/11       160   SUCI154   Num/11       161   SUCI155   Num/11       162   SUCI156   Num/11       163   SUCI157   Num/11       164   SUCI158   Num/11       165   SUCI159   Num/11       166   SUCI160   Num/11       167   SUCI161   Num/11       168   SUCI162   Num/11       169   SUCI163   Num/11       170   SUCI164   Num/11       171   SUCI165   Num/11       172   SUCI166   Num/11       173   SUCI167   Num/11       174   SUCI168   Num/11       175   SUCI169   Num/11       176   SUCI170   Num/11       177   SUCI171   Num/11       178   SUCI172   Num/11       179   SUCI173   Num/11       180   SUCI174   Num/11       181   SUCI175   Num/11       182   SUCI176   Num/11       183   SUCI177   Num/11       184   SUCI178   Num/11       185   SUCI179   Num/11       186   SUCI180   Num/11       187   SUCI181   Num/11       188   SUCI182   Num/11       189   SUCI183   Num/11       190   SUCI184   Num/11       191   SUCI185   Num/11       192   SUCI186   Num/11       193   SUCI187   Num/11       194   SUCI188   Num/11       195   SUCI189   Num/11       196   SUCI190   Num/11       197   SUCI191   Num/11       198   SUCI192   Num/11       199   SUCI193   Num/11       200   SUCI194   Num/11       201   SUCI195   Num/11       202   SUCI196   Num/11       203   SUCI197   Num/11       204   SUCI198   Num/11       205   SUCI199   Num/11       206   SUCI200   Num/11       207   SUCI201   Num/11       208   SUCI202   Num/11       209   SUCI203   Num/11       210   SUCI204   Num/11       211   SUCI205   Num/11                        Checksum Segment: CK       Type/Size                            1   CKsegid   Text/4           2   CKnosegments   Num/4           3   CKnocharacters   Num/5           4   CKchecksum   Num/13                                    
         [0029]    [0029]                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               TABLE 3                       “Normalized” Credit Report Layout Example                                Input segment: “IN”   (Type, Size)   Field Description                    1   INsegid   Text, 4   Set to “IN02”       2   INsourcesegid   Text, 10   Company Source ID Number       3   INreqdate   Date, 8   Date of Request       4   INbureaurequested   Text, 9   Bureaus Requested (i.e.                   EFXTU XPN)       5   INmergeflag   Text, 1   Merge = 1, Non-Merged                   Reports = 2       6   INtracking   Text, 15   Tracking ID Number       7   INuser   Text, 32   User ID of requestor                   (User name used to                   select printer,                   account, etc.)       8   INappid   Text, 15   Application ID number       9   INtxnid   Text, 15   Transaction ID Number       10   INproduct   Text, 35   Loan Product Name       11   INterms   Text, 50   Proposed Term of Loan       12   INtxnamount   Amount, 12   Loan Amount Requested       13   INcollateral   Text, 35   Collateral Offered       14   INapr   Text, 12   Annual Percentage Rate       15   INdownpay   Amount, 12   Down Payment Amount       16   INpayamount   Amount, 12   Regular payment Amount       17   INpayoption   Text, 50   Payment Option Text       18   INinstypel   Text, 35   Insurance Type 1       19   INinsratel   Text, 9   Insurance Rate 1       20   INinstype2   Text, 35   Insurance Type 2       21   INinsrate2   Text, 9   Insurance Rate 2       22   INballoonamt   Amount, 12   Balloon Amount       23   INballoondate   Date, 8   Balloon Date       24   INappincome   Amount, 12   Applicant&#39;s Income       25   INcoappincome   Amount, 12   Co-Applicant&#39;s Income       26   INcototothincome   Amount, 12   Total Additional Income for                   Consideration       27   INcootherincsource   Text, 35   Source of Other Income       28   INuserfield1   Text, 35   User Defined Field #1       29   INuserfield2   Text, 35   User Defined Field #2       30   INuserfield3   Text, 35   User Defined Field #3       31   INuserfield4   Text, 35   User Defined Field #4       32   TNuserfield5   Text, 35   User Defined Field #5       33   INuserfield6   Text, 35   User Defined Field #6                    Alias Segment: AK   Type/Size                    1   Aksegid   Text/4       2   Aksourcesegid   Text/4       3   Akbureauhitlevelid   Text/10       4   AKdedupflag   Num/1       5   AKdedupids   Text/250       6   AKfirst   Text/15       7   AKmiddle   Text/15       8   AKlast   Text/25       9   AKprefix   Text/3       10   AKsuffix   Text/3       11   AKnamesource   Text/1       12   AKnameind   Text/1       13   AKgender   Text/1       14   AKage   Text/3       15   AKdatebirth   Date/8       16   AKssnverif   Text/1       17   AKssn   SSN/9       18   AKssnno   Text/2       19   AKsourceind   Text/1       20   AKspouse   Text/15       21   AKsssn   SSN/9                    Bank Account Segment: BA   Type/Size                    1   BAsegid   Text/4       2   BAsourcesegid   Text/4       3   BAbureauhitlevelid   Text/10       4   BAdedupflag   Num/1       5   BAdedupids   Text/250       6   BAmember   Text/10       7   BAdaterep   Date/8       8   BAdateopened   Date/8       9   BAacctype   Text/2       10   BAamount   Text/15       11   BAhold   Text/2       12   BAcomment   Code=Text/255       13   BAcomment2   Code=Text/255       14   BAfbcode   Text/1                    Bureau Segment: BU   Type/Size                    1   BUsegid   Text/4       2   BUsourcesegid   Text/4       3   BUbureauhitlevelid   Text/10       4   BUdedupflag   Num/1       5   BUdedupids   Text/250       6   BUcode   Text/4       7   BUname   Text/50       8   BUstreet   Text/128       9   BUstreet2   Text/50       10   BUcityonly   Text/64       11   BUstate   Text/2       12   BUzip   Text/10       13   BUphone   Text/22       14   BUphonelang   Text/1                    Address Segment: CA   Type/Size                    1   CAsegid   Text/4       2   CAsourcesegid   Text/4       3   CAbureauhitlevelid   Text/10       4   CAdedupflag   Num/1       5   CAdedupids   Text/250       6   CAqualifier   Text/1       7   CAparseind   Text/1       8   CAstreet   Text/72       9   CAhouseno   Text/10       10   CApredirect   Text/2       11   CAstreetname   Text/27       12   CApostdirect   Text/2       13   CAstreettype   Text/26       14   CAapart   Text/5       15   CAcityonly   Text/72       16   CAstate   Text/2       17   CAzip   Text/10       18   CAcountycode   Text/2       19   CAstatecode   Text/2       20   CAmsacode   Text/4       21   CAdwelltype   Text/1       22   CAdatesince   Date/8       23   CAstatus   Text/1       24   CAdaterep   Date/8       25   CAsourceind   Text/1       26   CAadrvarind   Text/1       27   CAreportno   Text/2       28   CAlastsubcode   Text/7       29   CAcensusgeo   Text/7       30   CAphone   Text/10       31   CAphoneext   Text/5       32   CAphonesource   Text/1       33   CAphonequal   Text/1       34   CAphonetype   Text/2       35   CAphoneavail   Text/10       36   CAphonedate   Date/8       37   CAformer   Num/1               0 = current               1 = former               2 = 2 nd  former                    Consumer Statement Segment: CS   Type/Size                    1   CSsegid   Text/4       2   CSsourcesegid   Text/4       3   CSbureauhitlevelid   Text/10       4   CSdedupflag   Num/1       5   CSdedupids   Text/250       6   Csstatementmatchid   Text/75           (to associate a CS           segment with other           segments if filled in)       7   CSsubcode   Text/24       8   CSaccount   Text/40       9   CStype   Text/2       10   Csstatement (blanks   Text/5000           will be trimmed)       11   CSdaterep   Date/8       12   CSpurgedate   Date/8                    Decode Segment: DC   Type/Size                    1   DCsegid   Text/4       2   DCsourcesegid   Text/4       3   DCbureauhitlevelid   Text/10       4   DCdedupflag   Num/1       5   DCdedupids   Text/250       6   DCsubcode   Text/40       7   DCsubtel   Text/40       8   DCsubphoneext   Text/5       9   DCsubphonesource   Text/1       10   DCsubphonequal   Text/1       11   DCsubphonetype   Text/2       12   DCsubphoneavail   Text/10       13   DCsubname   Text/80       14   DCsubaddrs   Text/120       15   DCsubaddrs2   Text/120       16   DCsubcity   Text/27       17   DCsubstate   Text/40       18   DCsubzip   Text/10       19   DCsubdaterep   Date/8       20   DCsubsegdc   Text/2       21   DCsubmarket   Text/4       22   DCsubcontact   Text/1       23   DCsubfbcode   Text/1                    Delinquency Alert Segment: DL   Type/Size                    1   DLsegid   Text/4       2   DLsourcesegid   Text/4       3   DLbureauhitlevelid   Text/10       4   DLdedupflag   Num/1       5   DLdedupids   Text/250       6   DLproduct   Code = Text/50       6   DLproduct (cont)   Code = Text/50       7   DLscore   Text/25       8   DLsign   Text/1       9   DLreason1   Code = Text/105       10   DLreason2   Code = Text/105       11   DLreason3   Code = Text/105       12   DLreason4   Code = Text/105       13   DLreject   Code = Text/1 00       14   DLprodstat   Code = Text/70       15   DLmodcharid   Text/8       16   DLmodcharv   Text/10                    Employment Segment: EM   Type/Size                    1   EMsegid   Text/4       2   EMsourcesegid   Text/4       3   EMbureauhitlevelid   Text/10       4   EMdedupflag   Num/1       5   EMdedupids   Text/250       6   EMname   Text/35       7   EMqualifier   Text/1       8   EMparseind   Text/1       9   EMstreet   Text/48       10   EMstreet2   Text/32       11   EMhouse   Text/10       12   EMpredirect   Text/2       13   EMstreetname   Text/27       14   EMpostdirect   Text/2       15   EMstreettype   Text/2       16   EMapart   Text/5       17   EMcityonly   Text/32       18   EMstate   Text/2       19   EMzip   Text/10       20   EMadrsourceind   Text/1       21   EMadrdaterep   Date/8       22   EMoccupation   Text/35       23   EMdatehired   Date/8       24   EMdateleft   Date/8       25   EMincome   Text/11       26   EMpaybasis   Text/1       27   EMdateveri   Date/8       28   EMvericode   Text/1       29   EMsourceind   Text/1       30   EMphone   Text/10       31   EMphoneext   Text/5       32   EMphonesource   Text/1       33   EMphonequal   Text/1       34   EMphonetype   Text/2       35   EMphoneavail   Text/10       36   EMformer   Num/1               0 = current               1 = former               2 = 2 nd  former                    Error Segment: ER   Type/Size                    1   ERsegid   Text/4       2   ERsourcesegid   Text/4       3   ERbureauhitlevelid   Text/10       4   ERdedupflag   Num/1       5   ERdedupids   Text/250       6   ERmsg   Code = Text/81                    Hit Level Segment: HI   Type/Size                    1   HIsegid   Text/4       2   HIsourcesegid   Text/4       3   HIbureauhitlevelid   Text/10       4   HIdedupflag   Num/1       5   HIdedupids   Text/250       6   HIhitlevelinit   Text/2       7   HIhitlevelmsg   Text/99       8   HImessagecode   Text/6       9   HIsourceind   Text/1       10   HIidqual   Text/2       11   HIssn   SSN/9       12   HIssndatestart   Date/8       13   HIssnyearscov   Text/2       14   HIssnfirst   Date/8       15   Hlssnlast   Date/8       16   HIssnstateissued   Text/2       17   HIssndateretired   Date/8       18   HIssnstateretired   Text/2       19   HIssndatebirth   Date/8       20   HIssnsignagefirst   Text/1       21   HIssnsignagelast   Text/1       22   HIssnagefirst   Text/2       23   HIssnagelast   Text/2       24   HIssnstatus   Text/2       25   HIssncount   Text/4       26   HIssnerrorcode   Text/1       27   HImiscyearscov   Text/2       28   HImiscfirst   Date/8       29   HImisclast   Date/8       30   HIindicatorl   Text/2       31   HIindicator2   Text/2       32   HIindicator3   Text/2       33   HIindicator4   Text/2       34   HIdateaddr   Date/8       35   HIaddrcount   Text/4       36   HIaddrerrorcode   Text/1       37   HIaddrmatch   Text/1       38   HIaddrind   Text/1       39   HIaddress   Text/10       40   HInoother   Text/3       41   HIoccurtime   Text/2       42   HIthreshold   Text/3                    Identification Segment: ID   Type/Size                    1   IDsegid   Text/4       2   IDsourcesegid   Text/4       3   IDbureauhitlevelid   Text/10       4   IDdedupflag   Num/1       5   IDdedupids   Text/250       6   IDsubjectid   Num/1       7   IDfirst   Text/15       8   IDmiddle   Text/15       9   IDlast   Text/25       10   IDprefix   Text/3       11   IDsuffix   Text/3       12   IDgender   Text/1       13   IDssn   SSN/11       14   IDspouse   Text/58       15   IDsssn   SSN/11       16   IDage   Num/3       17   IDdatebirth   Date/8       18   IDdateonfile   Date/8       19   IDdatelastacc   Date/8       20   IDdatereport   Date/8       21   IDdatedeceased   Date/8       22   IDnamesource   Text/1       23   IDnameind   Text/1       24   IDproduct   Code = Text/50       25   IDpersonalsource   Text/1       26   IDfileno   Num/2       27   IDfilehit   Text/1       28   IDfraud   Text/1       29   IDssnmatch   Text/2       30   IDindicator   Text/50       31   IDindicator2   Text/50       32   IDmarketfile   Text/2       33   IDsubmarketfile   Text/2       34   IDversion   Text/2       35   IDcountry   Text/1       36   IDlanguage   Text/1       37   IDuserref   Text/24       38   IDmarket   Text/4       39   IDmember   Text/10       40   IDreferral   Text/3       41   IDdatetrans   Date/8       42   IDtimetrans   Text/6       43   IDecoa   Text/1       44   IDoutputfmt   Text/2       45   IDmthsinq   Text/1       46   IDmthsMOP   Text/1       47   IDaddmultip   Text/1       48   IDsegcounters   Text/120       49   IDbussoldata   Text/13       50   IDdriverlic   Text/20                    Inquiry Segment: IQ   Type/Size                    1   IQsegid   Text/4       2   IQsourcesegid   Text/4       3   IQbureauhitlevelid   Text/10       4   IQdedupflag   Num/1       5   IQdedupids   Text/250       6   IQdaterep   Date/8       7   IQmember   Text/18       8   IQmembername   Text/24       9   IQecoa   Text/1       10   IQloantype   Code = Text/75       11   IQamount   Amount/9       12   IQterms   Text/3       13   IQkob   Text/2       14   IQmarket   Text/4       15   IQaccount   Text/40       16   IQphone   Text/15                    Miscellaneous Segment: MI   Type/Size                    1   MIsegid   Text/4       2   MIsourcesegid   Text/4       3   MIbureauhitlevelid   Text/10       4   MIdedupflag   Num/1       5   MIdedupids   Text/250       6   MImsg1 - MImsg7   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120       6   MImsg1 - MImsg7 (cont)   Text/120                    Public Records Segment: PU   Type/Size                    1   PUsegid   Text/4       2   PUsourcesegid   Text/4       3   PUbureauhitlevelid   Text/10       4   PUdedupflag   Num/1       5   PUdedupids   Text/250       6   PUcourt   Text/60       7   PUcourtname   Code = Text/80               For XPN, EFX, contains               Name only       8   PUcourtcity   Text/27       9   PUcourtstate   Text/2       10   PUdocket   Text/60       11   PUplaintiff   Text/75       12   PUattorney   Text/60       13   PUdefendant   Text/75       14   PUgarnishee   Text/40       15   PUtype   Code = Text/40       15   PUtype (cont)   Code = Text/40       16   PUtype 1   Text/2       17   PUtype2   Text/2       18   PUdaterep   Date/8       19   PUdateveri   Date/8       20   PUdatepaid   Date/8       21   PUamount   Amount/42       22   PUassets   Amount/10       23   PUliab   Amount/10       24   PUexempt   Amount/7       25   PUecoa   Text/1       26   PUcomment   Code = Text/255               May be empty code field       27   PUcomment2   Code = Text/255       28   PUfbcode   Text/1       29   PUeval   Text/1       30   PUdispute   Text/1       31   PUrepaypct   Text/3       32   PUadjustpct   Text/2       33   PUbookpage   Text/24       34   PUvolinvol   Text/1       35   PUdateorigfile   Date/8       36   PUkob   Text/2                    Raw Segment: RW   Type/Size                    1   RWsegid   Text/4       2   RWsourcesegid   Text/4       2   RWsourcesegid (cont)   Text/4       2   RWsourcesegid (cont)   Text/4       3   RWbureauhitlevelid   Text/10       4   RWdedupflag   Num/1       5   RWdedupids   Text/250       6   RWrawsegment   Text/5000       6   RWrawsegment (cont)   Text/5000                    Summary Consumer Information           Segment: SUCI   Type/Size                    1   SUCIsegid   Text/4       2   SUCIsourcesegid   Text/4       3   SUCIbureauhitlevelid   Text/10       4   SUCIdedupflag   Num/1       5   SUCIdedupids   Text/250       6   SUCIcategory   Text/2       7   SUCI001   Num/11       8   SUCI002   Num/11       9   SUCI003   Num/11       10   SUCI004   Num/11       11   SUCI005   Num/11       12   SUCI006   Num/11       13   SUCI007   Num/11       14   SUCI008   Num/11       15   SUCI009   Num/11       16   SUCI010   Num/11       17   SUCI011   Num/11       18   SUCI012   Num/11       19   SUCI013   Num/11       20   SUCI014   Num/11       21   SUCI015   Num/11       22   SUCI016   Num/11       23   SUCI017   Num/11       24   SUCI018   Num/11       25   SUCI019   Num/11       26   SUCI020   Num/11       27   SUCI021   Num/11       28   SUCI022   Num/11       29   SUCI023   Num/11       30   SUCI024   Num/11       31   SUCI025   Num/11       32   SUCI026   Num/11       33   SUCI027   Num/11       34   SUCI028   Num/11       35   SUCI029   Num/11       36   SUCI030   Num/11       37   SUCI031   Num/11       38   SUCI032   Num/11       39   SUCI033   Num/11       40   SUCI034   Num/11       41   SUCI035   Num/11       42   SUCI036   Num/11       43   SUCI037   Num/11       44   SUCI038   Num/11       45   SUCI039   Num/11       46   SUCI040   Num/11       47   SUCI041   Num/11       48   SUCI042   Num/11       49   SUCI043   Num/11       50   SUCI044   Num/11       51   SUCI045   Num/11       52   SUCI046   Num/11       53   SUCI047   Num/11       54   SUCI048   Num/11       55   SUCI049   Num/11       56   SUCI050   Num/11       57   SUCI051   Num/11       58   SUCI052   Num/11       59   SUCI053   Num/11       60   SUCI054   Num/11       61   SUCI055   Num/11       62   SUCI056   Num/11       63   SUCI057   Num/11       64   SUCI058   Num/11       65   SUCI059   Num/11       66   SUCI060   Num/11       67   SUCI061   Num/11       68   SUCI062   Num/11       69   SUCI063   Num/11       70   SUCI064   Num/11       71   SUCI065   Num/11       72   SUCI066   Num/11       73   SUCI067   Num/11       74   SUCI068   Num/11       75   SUCI069   Num/11       76   SUC1070   Num/11       77   SUCI071   Num/11       78   SUCI072   Num/11       79   SUCI073   Num/11       80   SUCI074   Num/11       81   SUCI075   Num/11       82   SUCI076   Num/11       83   SUCI077   Num/11       84   SUCI078   Num/11       85   SUCI079   Num/11       86   SUCI080   Num/11       87   SUCI081   Num/11       88   SUCI082   Num/11       89   SUCI083   Num/11       90   SUCI084   Num/11       91   SUCI085   Num/11       92   SUCI086   Num/11       93   SUCI087   Num/11       94   SUCI088   Num/11       95   SUCI089   Num/11       96   SUCI090   Num/11       97   SUCI091   Num/11       98   SUCI092   Num/11       99   SUCI093   Num/11       100   SUCI094   Num/11       101   SUCI095   Num/11       102   SUCI096   Num/11       103   SUCI097   Num/11       104   SUCI098   Num/11       105   SUCI099   Num/11       106   SUCI100   Num/11       107   SUCI101   Num/11       108   SUCI102   Num/11       109   SUCI103   Num/11       110   SUCI104   Num/11       111   SUCI105   Num/11       112   SUCI106   Num/11       113   SUCI107   Num/11       114   SUCI108   Num/11       115   SUCI109   Num/11       116   SUCI110   Num/11       117   SUCI111   Num/11       118   SUCI112   Num/11       119   SUCI113   Num/11       120   SUCI114   Num/11       121   SUCI115   Num/11       122   SUCI116   Num/11       123   SUCI117   Num/11       124   SUCI118   Num/11       125   SUCI119   Num/11       126   SUCI120   Num/11       127   SUCI121   Num/11       128   SUCI122   Num/11       129   SUCI123   Num/11       130   SUCI124   Num/11       131   SUCI125   Num/11       132   SUCI126   Num/11       133   SUCI127   Num/11       134   SUCI128   Num/11       135   SUCI129   Num/11       136   SUCI130   Num/11       137   SUCI131   Num/11       138   SUCI132   Num/11       139   SUCI133   Num/11       140   SUCI134   Num/11       141   SUCI135   Num/11       142   SUCI136   Num/11       143   SUCI137   Num/11       144   SUCI138   Num/11       145   SUCI139   Num/11       146   SUCI130   Num/11       147   SUCI141   Num/11       148   SUCI142   Num/11       149   SUCI143   Num/11       150   SUCI144   Num/11       151   SUCI145   Num/11       152   SUCI146   Num/11       153   SUCI147   Num/11       154   SUCI148   Num/11       155   SUCI149   Num/11       156   SUCI150   Num/11       157   SUCI151   Num/11       158   SUCI152   Num/11       159   SUCI153   Num/11       160   SUCI154   Num/11       161   SUCI155   Num/11       162   SUCI156   Num/11       163   SUCI157   Num/11       164   SUCI158   Num/11       165   SUCI159   Num/11       166   SUCI160   Num/11       167   SUCI161   Num/11       168   SUCI162   Num/11       169   SUCI163   Num/11       170   SUCI164   Num/11       171   SUCI165   Num/11       172   SUCI166   Num/11       173   SUCI167   Num/11       174   SUCI168   Num/11       175   SUCI169   Num/11       176   SUCI170   Num/11       177   SUCI171   Num/11       178   SUCI172   Num/11       179   SUCI173   Num/11       180   SUCI174   Num/11       181   SUCI175   Num/11       182   SUCI176   Num/11       183   SUCI177   Num/11       184   SUCI178   Num/11       185   SUCI179   Num/11       186   SUCI180   Num/11       187   SUCI181   Num/11       188   SUCI182   Num/11       189   SUCI183   Num/11       190   SUCI184   Num/11       191   SUCI185   Num/11       192   SUCI186   Num/11       193   SUCI187   Num/11       194   SUCI188   Num/11       195   SUCI189   Num/11       196   SUCI190   Num/11       197   SUCI191   Num/11       198   SUCI192   Num/11       199   SUCI193   Num/11       200   SUCI194   Num/11       201   SUCI195   Num/11       202   SUCI196   Num/11       203   SUCI197   Num/11       204   SUCI198   Num/11       205   SUCI199   Num/11       206   SUCI200   Num/11       207   SUCI201   Num/11       208   SUCI202   Num/11       209   SUCI203   Num/11       210   SUCI204   Num/11       211   SUCI205   Num/11                    Tradeline Segment: TR   Type/Size                    1   TRsegid   Text/4       2   TRsourcesegid   Text/4       3   TRbureauhitlevelid   Text/10       4   TRdedupflag   Num/1       5   TRdedupids   Text/250       6   TRmember   Text/10       7   TRkob   Text/12       8   TRmembername   Text/40       9   TRaccount   Text/50       10   TRindicator   Text/36       11   TRstatus   Code = Text/140       12   TRloantype   Code = Text/85       13   TRcomment   Code = Text/255       14   TRcomment2   Code = Text/255       15   TRecoa   Text/1       16   TRamount   Amount/9       17   TRamounttype   Text/1       18   TRamount2   Amount/9       19   TRamount2type   Text/1       20   TRhighcredit   Amount/9       21   TRcreditlimit   Amount/9       22   TRbalance   Amount/9       23   TRpastdue   Amount/9       24   TRpastdueno   Num/2       25   TRmaxdelrate   Code = Text/70       26   TRmaxdelamount   Amount/9       27   TRdateopen   Date/11       28   TRdaterep   Date/11       29   TRdatebalance   Date/8       30   TRdatemaxdel   Date/8       31   TRdateclosed   Date/8       32   TRdatelastpaid   Date/8       33   TRpayprofile   Text/48       34   TRcommonprofile   Text/48       35   TRmonsrev   Num/3       36   TRrawterms   Text/13       37   TRmonthpayamt   Amount/9       38   TRmonthpaytype   Text/1       39   TR301ate   Num/2       40   TR601ate   Num/2       41   TR901ate   Num/2       42   TRclosind   Text/1       43   TRveriind   Code = Text/50       44   TRaccounttype   Text/1       45   TRdatestatus   Date/11       46   TRprofilestartdate   Date/11       47   TRcreditor   Text/38       48   TRcollateral   Text/36       49   TRdatelastact   Date/8       50   TRdateverif   Date/8       51   TRcurrency   Text/1       52   TRhistverif   Text/1       53   TRfbcode   Text/1       54   TRdelinqrate1   Text/1       55   TRdatedelinq1   Date/8       56   TRdelinqrate2   Text/1       57   TRdatedelinq2   Date/8       58   TRdelinqrate3   Text/1       59   TRdatedelinq3   Date/8       60   TRsourceind   Text/1       61   TRdatepaydue   Date/8       62   TRballpayamt   Amount/9       63   TRfreq   Text/1       64   TRsoldto   Text/30       65   TRdispute   Text/1       66   TRdateinitpay   Date/11       67   TRacctcond   Text/2       68   TRpaystatus   Text/15       69   TRtypecode   Tex/2                    Checksum Segment: CK   Type/Size                    1   CKsegid   Text/4       2   CKnosegments   Num/4       3   CKnocharacters   Num/5       4   CKchecksum   Num/13

Technology Category: g