Abstract: A payment performance score is calculated for particular industries, payment ranges, and time periods, such as 3, 6, 9, and 12 month calculations. The score is predictive of how a company will pay a particular party. The score is based on trade experiences and is provided in a report.

Abstract: A system and method for providing access to detailed payment experience includes a data acquisition component, a data calculation component, a data synthesis component, and at least one storage device. The data acquisition component captures detailed trade data from various sources. The data storage component calculates a plurality summarized variables and a manner of payment and a high credit amount based on the detailed trade data. The data synthesis component calculates a plurality of scores using the trade variables. The detailed trade data, summarized variables, and scores are stored for various time periods, such as 3-month, 6-month, 9-month, 12-month, 16-month and 24-month periods.

Abstract: An automated method and apparatus are used for creating data processing application programs in programmer oriented languages such as COBOL from atomic or fundamental program building blocks, i.e., individual programming language statements, based on information provided by the user at the terminal. Host/peripheral input/ output subroutines are selected from a library of existing I/O subroutines, based on the type of I/O indicated by the user; and, the application program can incorporate existing subroutines, tables, files, etc. so as to avoid having to create code which has already been created. The system also provides for a level of validity checks and interactive editing of the application program as it is being created at the terminal. A user may thus change some aspect of the application program, or correct a logic error which has been detected by the system, interactively without having to start over from scratch after compiling the source program to detect errors.