Abstract: Systems and methods for establishing a credit account are disclosed. The systems and methods may receive a first encrypted payload comprising application data associated with a credit application by a credit issuer. The first encrypted payload may be decrypted to provide intelligible application data comprising applicant identifying information. A credit application can be processed using the applicant identifying information and a credit account can be established based on the credit worthiness determined and associated with the applicant. A second encrypted payload comprising credit account information associated with the credit account can then be established and transmitted to a client at the first location.

Abstract: The invention, in one embodiment, is directed to a system and related methods of data analysis. According to one aspect, the invention processes a plurality of records, each of the records having an associated plurality of attributes, the plurality of records being divisible into at least two categories. More particularly, the invention assigns an attribute position to each of the plurality of attributes on a locus defined on a multi-dimensional representation; assigns a record position on the multidimensional representation to each of the plurality of records, the record position being dependent at least in part an occurrence and/or a value, of at least one of the plurality of attributes; and reassigns the attribute position of at least one of the plurality of attributes on the locus to divide the plurality of records into at least two categories.

Abstract: The invention, in one embodiment, processes a plurality of records, each of the records having an associated plurality of attributes, the plurality of records being divisible into at least two categories. More particularly, the invention assigns as a class of one dimensional vectors the records and/or the attributes; employs an maximum number K of uncorrelated vectors to be identified from the class of one-dimensional vectors; employs a threshold value; chooses a first vector from the class of one-dimensional vectors as a member of an uncorrelated vector set; and performs iteratively the steps of selecting an additional vector from the class of vectors, computing a correlation parameter using the first vector and the additional vector, comparing the correlation parameter to the threshold value, and adding the additional vector to the uncorrelated set of vectors if the correlation parameter is not greater than the threshold value.