| 摘要 |
The invention relates to a credit updating system (16) which permits credit files stored in different formats, and possibly in different countries, to be seamlessly exchanged and updated without conversion on the end users' part. A central credit repository (20) stores credit information in a universal format, such as the ICCIF format formulated by Equifax, In., but contains an interpreter module (40) to accept and map data from idiosyncratic foreign credit systems (24) to that database. The client (10a) of the credit system, such as banks issuing credit cards, can specify language, currency denomination, exchange rate and other information according to their needs. System-to-system credit file updating is enhanced.
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