Abstract: A method for establishing credit services with a merchant account using a computer system comprises receiving at a server computer application information on a merchant applying for a credit service. The application information is stored in a database. At the server computer, a request from a credit investigator is received to view at least some of the application information. The requested information is then sent to the credit investigator from the server computer.

Abstract: A method of processing an application relating to money transfer services includes receiving at a host computer system an electronic transmission from an application computing device. The electronic transmission includes an application having application information relating to an applicant. The method may include electronically evaluating the application at the host computer system, requesting a report relating to the applicant, and receiving the report at the host computer system. The method also may include electronically evaluating the report based on certain criteria to produce a decision as to whether to accept the applicant. The method also may include transmitting a decision relating to the applicant to the application computing device.

Abstract: A method of monitoring credit fraud relating to a plurality of merchants includes, on a server computer, collecting transaction information relating to the merchants and electronically evaluating the collected transaction information for potentially fraudulent activities using specific criteria. The method further includes flagging merchants having transaction information indicating potentially fraudulent activity. Systems for implementing the method are also provided.

Abstract: A method of monitoring credit fraud relating to a plurality of merchants includes, on a server computer, collecting transaction information relating to the merchants and electronically evaluating the collected transaction information for potentially fraudulent activities using specific criteria. The method further includes flagging merchants having transaction information indicating potentially fraudulent activity. Systems for implementing the method are also provided. The method may include collecting transaction records relating to other electronic accounts and electronically monitoring the accounts using specified criteria for potentially fraudulent activity.

Abstract: A method for establishing credit services with a merchant account using a computer system comprises receiving at a server computer application information on a merchant applying for a credit service. The application information is stored in a database. At the server computer, a request from a credit investigator is received to view at least some of the application information. The requested information is then sent to the credit investigator from the server computer.

Abstract: A method for facilitating the collection of outstanding funds from merchants having an outstanding funds balance includes receiving at a server computer transaction information relating to a plurality of merchants and receiving a request to generate a list of merchants exceeding certain payment risk criteria. The method also includes transmitting the list to a collections computer and receiving a request at the server computer to view account information for one of the merchants on the list. The method further includes transmitting requested account information and receiving “follow up” information at the server computer relating to actions taken by a collections officer to reduce the payment risk. Associated systems are also provided.

Abstract: A method of creating a decision tree includes receiving at a server computer information relating to a first node of the decision tree. The information is stored. Additional information is received at a server computer relating to at least one additional node of the decision tree. The additional information is stored such that the information and the additional information are interrelated with respect to a hierarchical structure. Methods for using the decision tree are also provided.