Abstract: A vehicle valuation system supplies accurate wholesale, retail, purchase, and reconditioning values of used automobiles based upon actual transaction data for selected geographical areas. The system validates transaction data to ensure data integrity. A transaction database is populated with validated transaction data received, either automatically from an application such as a dealer management system or upon dealer submission, via online communication. Valuation requests may be submitted from client computers, which may include remote computing devices such as personal computers, laptop computers and handheld computers based upon manual and/or scanned entries. In response to valuation requests, the system searches the transaction database for a matching record and returns the resulting wholesale, retail, purchase, and reconditioning values to a user either via a web application or mobile PDA application.

Abstract: A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, via the Internet. In the preferred embodiment, the system includes a web site that, by using a web browser, allows clients to request credit information from, or provide credit reports to, credit bureaus by entering certain data on pre-built forms in a web browser-supported format. The data is encrypted using means for secure transmission, such as a web browser with at least a 128-bit secure socket layer (SSL) technology, and then sent to at least one web application executed by web server software. The web server software decrypts and reformats the data to a standard format specified by the credit bureau. The web server software initiates a query. The at least one web applications reformat the response from the credit bureau to a web browser-supported format and encrypt the data using the means for secure transmission.

Abstract: A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system includes a web site that, by using a web browser, allows clients to request credit information from, or provide credit reports to, credit bureaus by entering certain data on pre-built forms in HTML format. The data is encrypted using means for secure transmission, such as a web browser with 128-bit secure socket layer (SSL) technology, then sent to a common gateway interface (CGI) application located on a web server. The CGI application decrypts and reformats the data to a standard format specified by the credit bureau. The CGI application initiates a query. Using a dedicated connection circuit to the credit bureau's computer, the CGI application reformats the response from the credit bureau to an HTML format and encrypts the data using the means for secure transmission.

Abstract: A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, via the Internet. In the preferred embodiment, the system includes a web site that, by using a web browser, allows clients to request credit information from, or provide credit reports to, credit bureaus by entering certain data on pre-built forms in a web browser-supported format. The data is encrypted using means for secure transmission, such as a web browser with at least a 128-bit secure socket layer (SSL) technology, and then sent to at least one web application executed by web server software. The web server software decrypts and reformats the data to a standard format specified by the credit bureau. The web server software initiates a query. The at least one web applications reformat the response from the credit bureau to a web browser-supported format and encrypt the data using the means for secure transmission.

Abstract: A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, preferably via the Internet. In the preferred embodiment, the system includes a web site that, by using a web browser, allows clients to request credit information from, or provide credit reports to, credit bureaus by entering certain data on pre-built forms in HTML format. The data is encrypted using means for secure transmission, such as a web browser with 128-bit secure socket layer (SSL) technology, then sent to a common gateway interface (CGI) application located on a web server. The CGI application decrypts and reformats the data to a standard format specified by the credit bureau. The CGI application initiates a query. Using a dedicated connection circuit to the credit bureau's computer, the CGI application reformats the response from the credit bureau to an HTML format and encrypts the data using the means for secure transmission.