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Credit Bureau software system is structured to collect and process records from different sources on physical and legal entities' financial and civic activity patterns. Such data sources/providers are the organizations from different areas of human activity, such as banking, insurance, judicial, taxation and customs, utility, rating, etc. Consequently, eligible system users will have an opportunity to access the web-based credit reports of data subjects (persons or organizations) identified by the system.
The system architecture is based on multi-environmental data consolidation principles, which considers the above-mentioned activity areas as "environments" containing similar types of data providers. For example, data providers for the banking environment are banks/branches, for the insurance environment - insurance companies, for the judiciary - courts, and so on. The key advantage of multi-environmental architecture is that the system is able to recognize data records relating to the same activity of certain data subject which are received from different sources.
The system is designed as a cross-platform database management system (DBMS) with clustering approaches. Clustered system architecture ensures high scalability, reliability and redundancy. Scalability enables increasing the calculative power in a way of adding more operational resources (servers). Redundancy is reached via interchangeability and duplication of cluster components, opposite to ensuring reliability of each component via redundancy of its subcomponents.
Based on its specific architecture, the system assumes three levels of data subjects' similarity identification, which consolidates data subjects firstly for the same data provider, secondly for the same environment, i.e. between data providers of that environment, and finally between different environments. The similarity identification is based on pluggable system for different sets of identification patterns, such as personal data (first and last name, birth date, etc.) and biometric data (fingerprint, iris, etc.).
Credit Bureau software system consists of different autonomous customizable components which are universal tools initiated for analysis and processing of particular data aggregated from different sources (data providers).
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