Credit management system and method

US8615464B2 · kind B2 · utility

Assignee

• SAP AG · DE

Inventors

• Harald Hinderer · Heidelberg, DE
• Renato Zadro · Münstermaifeld, DE
• Robert Doerner · Offenbach, DE

Key dates

• Filing date: Jan 30, 2004
• Grant date: Dec 24, 2013
• Expiry date: Sep 2, 2026

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided for managing credit information relating to customers and the credit process. A credit management system may include a credit information manager, a credit limit manager, credit decision support and a credit rules engine. The credit management system may communicate with external systems, such as external credit information providers, accounting systems, electronic commerce systems and business partners. The credit rules engine may apply rules to information gathered from such sources to calculate internal credit scoring and credit limits.