Credit Network

The last decade was characterized by companies seeking to get one view of customers and transactions. A properly configured relational centralized database enabled highly retrievable data and sophisticated analysis. The new frontier is moving from the database to the native source. The increasingly real-time world demands real-time accurate data.

DecisionLinks is pioneering what’s "Next" in customer information management. We extend the benefits realized by consolidated relational databases to include the benefits of distributed networks. Customer Concentric database solutions now benefit with dynamic real-time data. Our solutions replace or supplement the traditional centralized database solution with our proprietary Web Services Networks.

Data mining, statistical modeling and other tools are efficiently implemented as if they were in one centralized database. However, since there is no centralized consumer data repository, stale information, costs and breaches in security associated with large-scale database management are eliminated. Consumer data corrections, updates, and potential fraud are more rapidly addressed.

When the business rules require, our distributed networks enable anonymous data mining and reporting. Therefore, connected clients can benefit from the aggregation of data while keeping sensitive data and knowledge under their control. Through our proprietary distributed indexing process, it pools the contributed data of member computers to allow users to anonymously publish or retrieve information.

Tempus provides the platform for the "real-time" credit information system based on a patent-pending web service network rather than a compiled national database. It delivers an alternative Full Credit Registry solution for the emerging international markets. Our solution also Supplements the traditional "big 3" credit reports with the most recent window of time.

Consumer credit information is sourced directly from banks and other credit granters' systems. The result is a consumer credit report that is more secure, accurate, and up-to-the minute current. The advanced real-time platform enables superior analytics, credit scoring, and fraud detection.

Member credit granters are in ultimate control of their data. Credit contributors are partners. Unlike any other credit bureau, members receive payments based on the use of their data.