Abstract: A system integration tool integrates an external service to run in conjunction with or as part of a remote business accounting system. The system integration tool includes a front-end component and a back-end component. The front-end component remotely accesses accounts receivable data from the accounting system. The back-end component merge each financial transaction within the accounts receivable data with a credit score of an entity associated with the financial transaction at a date associated with the financial transaction. The back-end component generates an external service that secures the accounting system against insecure financial transactions and embeds the external service to run as part of the accounting system. The external services alert the business as to insecure financial transactions that lead to bad debt or disqualify such transactions from entry into the accounting systems.

Abstract: Some embodiments provide computer or machine generated interfaces for maximizing an entity's credit score by rebalancing values for different credit variables constituting the credit score across different lines of credit obtained by the entity. The rebalancing is performed over primary credit variables including payment history, debt, length of credit history, new credit, and type of credit in use as well as secondary credit variables that form the primary credit variables. Some embodiments provide interfaces with adjustment tools including sliders for modifying different credit variable values and for presenting the actual real-world impact to the entity credit score resulting from the adjusted credit variable. Some embodiments further execute the rebalancing identified in the interfaces to realize the improvements to the entity's credit score.

Abstract: A system integration tool integrates an external service to run in conjunction with or as part of a remote business accounting system. The system integration tool includes a front-end component and a back-end component. The front-end component remotely accesses accounts receivable data from the accounting system. The back-end component merge each financial transaction within the accounts receivable data with a credit score of an entity associated with the financial transaction at a date associated with the financial transaction. The back-end component generates an external service that secures the accounting system against insecure financial transactions and embeds the external service to run as part of the accounting system. The external services alert the business as to insecure financial transactions that lead to bad debt or disqualify such transactions from entry into the accounting systems.

Abstract: Some embodiments provide computer or machine generated interfaces for maximizing an entity's credit score by rebalancing values for different credit variables constituting the credit score across different lines of credit obtained by the entity. The rebalancing is performed over primary credit variables including payment history, debt, length of credit history, new credit, and type of credit in use as well as secondary credit variables that form the primary credit variables. Some embodiments provide interfaces with adjustment tools including sliders for modifying different credit variable values and for presenting the actual real-world impact to the entity credit score resulting from the adjusted credit variable. Some embodiments further execute the rebalancing identified in the interfaces to realize the improvements to the entity's credit score.

Abstract: Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user. The solutions audit user privacy settings, established online friends and contacts, and friend and contact activity online to limit the exposure and disclosure of user information online. The solutions perform white-hat penetration tests. The solutions report on user risk based on available online information. The solutions validate completed transactions based on monitored user movements and site visits. The solutions provide a crowd-sourced approach to identify risk based on common transactions and visits of others. The solutions prevent identity theft by verifying that disbursements are made to the correct entity.

Abstract: Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user. The solutions audit user privacy settings, established online friends and contacts, and friend and contact activity online to limit the exposure and disclosure of user information online. The solutions perform white-hat penetration tests. The solutions report on user risk based on available online information. The solutions validate completed transactions based on monitored user movements and site visits. The solutions provide a crowd-sourced approach to identify risk based on common transactions and visits of others. The solutions prevent identity theft by verifying that disbursements are made to the correct entity.

Abstract: Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user. The solutions audit user privacy settings, established online friends and contacts, and friend and contact activity online to limit the exposure and disclosure of user information online. The solutions perform white-hat penetration tests. The solutions report on user risk based on available online information. The solutions validate completed transactions based on monitored user movements and site visits. The solutions provide a crowd-sourced approach to identify risk based on common transactions and visits of others. The solutions prevent identity theft by verifying that disbursements are made to the correct entity.

Abstract: Some embodiments provide a system that generates different customized decks of cards with each deck being customized for a different user with a condensed and filtered set of business data that is relevant to that user. The customizations are based in part on monitored user behavior and user interactions with the cards. Cards identifying businesses that the user has viewed for the most amount of time, recommended to others, approved, or positively reviewed or rated are assigned high values. Cards identifying businesses that the user has viewed for the least amount of time, rejected, or negatively reviewed or rated are assigned low values. The system then continually updates the deck to remove cards identifying business with the lowest values while adding cards identifying businesses that resemble other businesses with assigned high values.

Abstract: Some embodiments provide a credibility system that computes credibility scores to quantify the credibility of different businesses and to coalesce the generated credibility scores into various indices. The indices comparatively present the credibility of a particular business relative to other businesses along one or more dimensions. Based on the indices, the system identifies trends in the credibility of a particular business. The system derives preliminary credibility for a new business for which credibility data has not yet been obtained based on credibility that has been previously established for other businesses in an index associated with the new business. The system provides automated services for monitoring credibility of a business and for generating alerts to notify the business that its credibility has reached various thresholds. The system identifies business practices that improve upon or adversely affect the credibility of a particular business.

Abstract: Some embodiments provide a credibility system that computes credibility scores to quantify the credibility of different businesses and to coalesce the generated credibility scores into various indices. The indices comparatively present the credibility of a particular business relative to other businesses along one or more dimensions. Based on the indices, the system identifies trends in the credibility of a particular business. The system derives preliminary credibility for a new business for which credibility data has not yet been obtained based on credibility that has been previously established for other businesses in an index associated with the new business. The system provides automated services for monitoring credibility of a business and for generating alerts to notify the business that its credibility has reached various thresholds. The system identifies business practices that improve upon or adversely affect the credibility of a particular business.

Abstract: Some embodiments provide a credibility system including an interface portal for presenting a holistic view of entity credibility. To provide the holistic view, the credibility system aggregates credibility data from multiple data sources. The aggregated credibility data is processed and ordered to present different dimensions of entity credibility, with each dimension graphically presented in the interface portal through an interactive credibility module. In some embodiments, the credibility data associated with each credibility module is processed to produce at least one value that quantifiably represents the credibility data. In some embodiments, the credibility data associated with each credibility module is hierarchically ordered to present the credibility data in a drill-down fashion with each hierarchical layer presenting more detailed credibility data for better understanding the credibility data presented in the preceding layer.

Abstract: Some embodiments provide a system that removes the delineation between credit and credibility and between the personal and business aspects of each. The system constructs an individual-business tuple for an entity. The tuple stores credit and credibility information for the entity and other entities that are associated with the entity. When the entity is a business, the tuple stores credit and credibility information for individuals that can affect creditworthiness of the business. When the entity is an individual, the tuple stores credit and credibility information for businesses that can affect the creditworthiness of the individual. The entity's credit can then be evaluated by shopping the information to loan originators, using the associated information to fill gaps in credit information of the entity, producing a holistic report, and deriving a hybrid credit score based on some combination of the credit and credibility information from the tuple.

Abstract: Some embodiments provide a custom score generation system by offering third parties access to data from a shared database that they can merge with their own proprietary data for the purpose of defining and producing new data services. The system provides interfaces for selecting data elements from the shared database, attributing weights to the selected data elements, and defining scoring rules or parameters to automatically evaluate the significance of the data element values. Additionally, conditions may be specified to include different sets of the selected data elements, to attribute different weights to the different sets of the selected data elements, and to define different scoring rules according to which conditions are satisfied. The system then automatically formulates the algorithm to produce the custom score in conformance with the provided inputs and based on values for the selected data elements that are specific to different entities.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: Some embodiments provide a custom score generation system by offering third parties access to data from a shared database that they can merge with their own proprietary data for the purpose of defining and producing new data services. The system provides interfaces for selecting data elements from the shared database, attributing weights to the selected data elements, and defining scoring rules or parameters to automatically evaluate the significance of the data element values. Additionally, conditions may be specified to include different sets of the selected data elements, to attribute different weights to the different sets of the selected data elements, and to define different scoring rules according to which conditions are satisfied. The system then automatically formulates the algorithm to produce the custom score in conformance with the provided inputs and based on values for the selected data elements that are specific to different entities.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: Some embodiments provide a credibility system including an interface portal for presenting a holistic view of entity credibility. To provide the holistic view, the credibility system aggregates credibility data from multiple data sources. The aggregated credibility data is processed and ordered to present different dimensions of entity credibility, with each dimension graphically presented in the interface portal through an interactive credibility module. In some embodiments, the credibility data associated with each credibility module is processed to produce at least one value that quantifiably represents the credibility data. In some embodiments, the credibility data associated with each credibility module is hierarchically ordered to present the credibility data in a drill-down fashion with each hierarchical layer presenting more detailed credibility data for better understanding the credibility data presented in the preceding layer.

Abstract: Some embodiments provide a credibility system including an interface portal for presenting a holistic view of entity credibility. To provide the holistic view, the credibility system aggregates credibility data from multiple data sources. The aggregated credibility data is processed and ordered to present different dimensions of entity credibility, with each dimension graphically presented in the interface portal through an interactive credibility module. In some embodiments, the credibility data associated with each credibility module is processed to produce at least one value that quantifiably represents the credibility data. In some embodiments, the credibility data associated with each credibility module is hierarchically ordered to present the credibility data in a drill-down fashion with each hierarchical layer presenting more detailed credibility data for better understanding the credibility data presented in the preceding layer.

Abstract: Some embodiments provide a credibility system including an interface portal for presenting a holistic view of entity credibility. To provide the holistic view, the credibility system aggregates credibility data from multiple data sources. The aggregated credibility data is processed and ordered to present different dimensions of entity credibility, with each dimension graphically presented in the interface portal through an interactive credibility module. In some embodiments, the credibility data associated with each credibility module is processed to produce at least one value that quantifiably represents the credibility data. In some embodiments, the credibility data associated with each credibility module is hierarchically ordered to present the credibility data in a drill-down fashion with each hierarchical layer presenting more detailed credibility data for better understanding the credibility data presented in the preceding layer.