Abstract: There is provided a method that includes (a) presenting, via a communications network, a first interface that enables a creditor to access a credit application template, to create a customized credit application, and (b) presenting, via the communications network, a second interface that enables a credit applicant to access the customized credit application and provide information required by the customized credit application. There is also provided a system that executes the method.

Abstract: There is provided a method that includes (a) presenting, via a communications network, a first interface that enables a creditor to access a credit application template, to create a customized credit application, and (b) presenting, via the communications network, a second interface that enables a credit applicant to access the customized credit application and provide information required by the customized credit application. There is also provided a system that executes the method.

Abstract: In preferred embodiments, the present invention includes computer-implemented methods and computer systems for know-your-customer risk assessment that assemble a plurality of data elements descriptive of the risk characteristics of a designated customer, wherein at least one data element is descriptive or risk characteristics determined by a government, weigh a selected plurality of the assembled data elements relative to the risk indicated by the determined data element values, and combine the weighted data elements into one or more indices representative of the know-your-customer risk of the designated customer. The present invention also includes computer readable media with computer code for performing these methods.

Abstract: A method for facilitating a transaction in electronic commerce, comprises the steps of identifying a first party to the transaction from a digital identifier, extracting a profile identifier of the first party from the digital identifier, and retrieving data from a database based on the profile identifier.