SYSTEMS AND METHODS FOR ELECTRONIC ACCOUNT CERTIFICATION AND ENHANCED CREDIT REPORTING

摘要

Systems and methods are provided for electronically certifying financial account data and providing enhanced credit reporting capabilities. The systems and methods may include electronically receiving a certification request from a requesting computer, wherein the request is associated with a financial account requiring certification, collecting financial data from at least one financial data provider, where the financial data provider is associated with at least one financial account requiring certification.

主权项

1. A computer-implemented method for providing certified financial data indicating financial risk about an individual, comprising:
(a) electronically collecting financial account data about the individual from at least one financial source, (b) transforming the financial account data into a desired format; (c) validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions wherein the exceptions indicate incorrect data or financial risk; (d) marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions; andwherein the algorithm engine identifies a pattern of financial risk; and the method is computer implemented.