The ACTICO Credit Bureau Gateway allows for easy integration with external data providers, such as credit bureaus, payment history data pools, and credit insurers. The gateway unifies technically diverse interfaces and harmonizes data access, which reduces the complexity of client systems. The modular design of the gateway keeps maintenance costs low and allows for flexible addition of new interfaces.
What advantages does the Credit Bureau Gateway offer?
Make use of standard connectors
The gateway provides standard interfaces to various suppliers, including Schufa, Dun & Bradstreet, Bürgel, Equifax, Creditreform, Arvato Infoscore, and Deutsche Bank’s credit report service. Its architecture and connectors make it especially easy to integrate new external data suppliers.
A constantly changing market environment requires external data
suppliers to revise and expand the services they offer. Associated
changes to interfaces push up maintenance costs at client systems. The
architecture of the Credit Bureau Gateway provides the flexibility
needed to keep any maintenance work to a minimum. The main component of
the gateway is a software platform, into which different connectors to
external data providers are integrated.
The processing logic of each connector is implemented in Visual Rules (ACTICO Business Rules Management System). These graphically modeled rules can be flexibly adapted and expanded.
For data exchanges with external data suppliers, both individual
processes and specific data types must be taken into account. These
processes typically include identification of companies, selection of
credit reports, and report ordering.
The gateway standardizes and simplifies these processes. It reduces the complexity of data types and performs data mappings. This greatly reduces the complexity of the client systems.
Each product or data package from an external data provider is stored
centrally in the caching database and can be accessed by all users of a
corporation. This avoids multiple purchases of the same credit report,
and reduces costs.
The Gateway allows the implementation of automated polling processes.
The platform also takes care of communication processes, such as report
updates or requests for investigation. As a result, the complexity
associated with these processes can be successfully transferred from a
client application to the gateway.