The Credit Bureau system is developed based on cross-platform approaches, however, the recommended and proven value framework is the Linux-based one which includes Apache web server, MySQL database system and PHP scripting language (LAMP).

The system is designed on modularity approaches allowing easily adding and removing system modules which will have no influence on the whole system performance criteria at all.

Yes, the Credit Bureau Solution is easily configurable for other businesses which assume availability of data subjects (physical and legal entities) and their financial obligations. An example is Insurance Bureau.

The LAMP framework the system is based on does not require any licensing. The only component that requires acquiring the license is SSL certificate.

Yes, the Credit Bureau system is flexible to customization through available administrative tools, such as members’ creation including setting up data submission rules, user account management, dictionary management which allows specifying the concepts frequently used in the system, system pages definition, privilege groups’ management, and etc.

The system requires public-key encryption in advance for all data packages to be submitted into the system database which protects data from third-party access. Moreover, the system uses HTTPS secure transfer protocol guaranteeing safe data uploading into the system database.

• Data package containing 20.000 records is converted in max. 20 seconds.
• Simultaneous support at least 1000 active/online users.
• Credit report generation is fulfilled in 3 seconds in case of uninterrupted Internet connection with speed of min. 128Kbps.

• Server (up to 12 units) - CPU: 2xQuad Core Intel© Xeon© 2.0GHz/2X6MB/1333MHz; RAM: 2x1GB 667MHz DIMMs; HDD: 2x73GB/15.000rpm/hot plug; 24X CDRW/DVD Combo Drive; Dual Gigabit Ethernet NIC.
• Storage (up to 2 units) - 8 x 146GB 15.000 rpm

The full implementation of the system will take approximately 1 month.

Absolutely. The data can be submitted into the system by different sources such as banks, credit organizations, insurance companies, social security office, utility companies, etc. Credit reports are based on the aggregative information provided by such sources.

The MIS reporting tools provided by the system are very flexible and easy-to use. The system provides ready-made reports, as well as allows generating various statistical reports through universal Query Building and Reports Generation tools for users with no extra knowledge of database functionality.

The system supports almost all text file formats including CSV, XML, XLS and etc. for data submission.

The system’s user-friendly interface and easy-to use tools allow common users with no extra knowledge of software technologies including database functionality and XML technologies to easily navigate through the system components and perform respective activities.

Once uploaded into the system the data packages pass through conversion and validation processes, which are carried out according to conversion and validation rules specified for each data provider separately. This ensures data insertion into the database in a most accurate manner. The detected errors become subject to correction through submitting valid data by the subsequent data packages. In addition, the system is enhanced with Data Cleansing tool allowing users to perform manual correction of illogical errors not identified during the data validation.

Dispute management ensures data authenticity by disputing and discussing the accuracy of data submitted by other sources. It mainly concerns data conflicts or doubtful data which couldn’t be revealed by validation procedure. There are two ways of disputing items: manual and automated. In case of manual operation, the user may dispute item’s accuracy and thus start discussion with a provider submitted this data, while the automatic disputing is executed through Query Builder and Data Form Converter which allow describing dispute disclosing queries and defining the rules of displaying the result fields.

Other services offered by the system include Data Subjects’ Monitoring and Blocking. The Monitoring service allows placing certain data subject under monitoring and provides periodical notifications on that data subject’s identification or financial activity data updates. The Blocking service gives an opportunity to physical and legal entities to block their credit reports from being viewed by system users.

The system is fully protected from any kind of attacks from outside, as the only port enabled for the system access is 443 (HTTPS) used for data package upload purposes. Moreover, the system uses strong authentication rules, which are:

• In case of several unsuccessful logins the user will be able to try to log in next time only after some period calculated by specific parameters.
• In case of trying to log in the system from specific computer using incorrect password N times, where N is an allowable number of sequential unsuccessful tries, then the system will block IP address of that computer after the crucial try to log in the system.

All activities performed by users in the system are logged and become available in corresponding statistical reports, which can be viewed and tracked by the eligible system users.

• Scalability is achieved through increasing the calculative power in a way of adding more operational resources (servers) without affecting infrastructural changes.
• Redundancy is reached via interchangeability and duplication of cluster components, opposite to ensuring reliability of each component via redundancy of its subcomponents.
• Reliability is resulted from the system scalability and redundancy features.

The Credit Bureau Solution performs three-level probabilistic identification of data objects which consolidates data subjects firstly for the same data provider, secondly for all data providers of the same activity area (banking, insurance, etc.), and finally between different area. The corresponding similarity matrixes are resulted showing similarity rates between different object pairs.

The Credit Bureau system periodically performs database back-up via taking snapshots of database tables, which makes possible to retrieve data for necessary period of time.