Model for Information Flow

Business Purpose Whenever a new account has been set up, a net market can decide to request a credit reference from a credit reference provider or from the organization with which the credit applicant has a credit account. The Request Credit Reference process enables the automatic exchange of credit reference information. Process Description This process is initiated by the trading partner requesting credit information from a credit reference provider. Partner A (e.g. the net market) collects information on one or more credit applicants and sends a Credit_Reference_Request to a credit reference provider, Partner B. The credit reference provider, Partner B, reviews the request and checks whether the credit applicant is known. - If the credit applicant is not known, Partner B sends a Credit_Applicant_Unknown_Notification to the requestor. - If the credit applicant is known, Partner B collects the Credit_Reference information and submits it to the requestor. Partner A receives either a Credit_Reference as requested, or a Credit_Applicant_Unkown_Notification and takes one of the following actions. - If the response received from the credit reference provider, Partner B, is sufficient, the process ends. - If Partner A, receives a Credit_Applicant_Unkown_Notification or if the credit information is insufficient, it might decide to send in a new credit request. The process continues to loop until Partner A receives sufficient credit information.