InfoHouse

InfoHouse solutions is a complex of systems created to accumulate and process financial information about individual customers (historic and current), entrepreneurs and companies, etc.

InfoHouse solutions and services has been developed to service financial and non-financial companies (including cross-border) in credit information data accumulating, sharing, exchange or transfer. These solutions can be used with in-house or external platforms/databases.

InfoHouse solutions help companies by keeping the flow of information under their control, acquire data correctly, process and create specific information delivering channels, as well as using the developed solutions for the company to evaluate the information and manage business and financial risks so that they can make informed business decisions themselves or in cooperation with other companies/sectors.

With solution related modules/tools (credit reports, monitoring services, fraud prevention, automate decision making, etc) a company can manage both potential and existing partners/customers, etc. in order to perform better evaluation, reduce risks, default rates, fraud, etc. whilst improving customer satisfaction.

In order to achieve maximum effect, it is important, the company from the outset, to properly identify goals to be achieved in order to correctly choose yourself which of the solutions (and which modules) are the most relevant.

InfoHouse system solutions have been developed with extensive web and graphic interfaces for system clients and their customer services.

InfoHouse solutions are based on the latest advanced and flexible technologies such as Azure SQL Database, REST API. Our solutions meet the high safety standards required by customers. All sensitive information is encrypted in the database. We have Two-Factor Authentication and configurable IP address access restrictions.

Information Accumulation platform

This platform allows company to accumulate data in their own DB in formats that allow companies to use advanced finance, credit risk, monitoring, decision-making, etc. –   and other InfoHouse Information platform modules.

Platform settings:

  • Local/international – can be used to process data accumulation from a single company/local group/international group
  • Separate/integrated – can be used separately or integrated
  • Cross-platform –can be integrated into multiple client system(s)/platform(s)
  • Real-time/non-real-time– data renewal in InfoHouse platform
  • Customized (company, group, market sector, country) – data fields in platform. The solutions can be adjusted to the customer needs (added, sorted, filtered, etc.).

Available modules:

Payment monitoring services

Payment monitoring services

This is a tool that allows companies to follow their customer/partner payment behaviour with the aim of identifying risks associated with a decrease in solvency before action is required.

Credit scoring

Credit scoring

Using a mathematical model with the information in a credit report, and any additional information, a score representing the credit risk level of an individual/company can be calculated. This helps to indicate what kind of borrower/partner a person or company is, and the likelihood of them fulfilling their obligations A credit score is a tool used by companies to help determine whether an individual would qualify for a particular loan, mortgage, service or partnership. Build your own score using various customer data sources or integrate with third-party scoring solution providers. Adjust and train the system to make correct decisions once sufficient data is collected.

Automated decision making

Automated decision making

A company automated decision process is a computer based credit application processing system that provides routing of credit/business applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. The process for concluding decisions is based on company data, information from external data sources, and company business rules.

Notification centre

Notification centre

This tools allows send automatic/scheduled emails and text messages to the customers. Text messages and emails can be anchored to a specific event in a customer’s credit history.

Customer Portal Website

Customer Portal Website

The accumulated information can also be used to work with customers in a separate client portal or can be integrated into the company's existing porta.

Debt recovery process

Debt recovery process

This is a tool that allows a company operator (or automated decision process) in accordance with the provisions and company business rules automatically transmit the delay to debt collection processing or collector(s).

Electronic payments

Electronic payments

These are tools that allow the company's customers to pay via electronic payment systems.

Reporting engine

Reporting engine

This is a tool that allows companies to use a predefined set of detailed user-friendly reports, edit and add customised reports and export data to multiple formats, including Excel, Word, PDF, TXT and others.

Fraud Prevention Tool

Fraud Prevention Tool

Tools which allow the company, to use the available information available and external resources to detect the possibility of fraud and dishonest activity at an early stage and prevent it.

Information Sharing platform

This platform allows companies to accumulate data in in their own DB, use InfoHouse Information platform and share data with other companies by prior agreement.

Platform settings:

  • Local/international – this platform can be used to process data accumulation from single company/local group/international group
  • Closed groups/open/mixed – processing information (access, data filters, layouts, etc.) as defined by the customer
  • Separate/integrated (in other systems/platforms) integrated  – platform can be used separately or integrated
  • Cross-platform – can be integrated into multiple client system(s)/platform(s)
  • Real-time/non-real-time – data renewal in InfoHouse platform
  • Customised (company, group, market sector, country) data fields in platform, solutions can be adjusted to the customer needs (added, sorted, filtered, etc.).

Available modules:

Credit reports on individuals

Credit reports on individuals

An individual’s credit report contains information about their credit, some bill repayment history and the status of credit accounts. This information includes how often a person makes payments on time, how much credit a person has, and whether a debt or bill collector is collecting money owed by that person. Credit reports can also contain rental repayment information and can contain public records such as liens, judgments, and bankruptcies that provide an insight into an individual’s financial status and obligations.

Credit reports on companies

Credit reports on companies

A company credit report contains information of a company’s financial situation, bill repayment history, how often a company makes payments on time - payment behaviour, whether there have been delayed payments or if a bill collector is collecting money from a company. It also contains public records such as liens, judgments, and bankruptcies that provide an insight into a company’s financial status and obligations. Companies use these reports to decide what risks they have if they work with this company or on what conditions. These reports are based on information that a company has and can obtain from external data sources.

Credit scoring

Credit scoring

Using a mathematical model with the information in a credit report, and any additional information, a score representing the credit risk level of an individual/company can be calculated. This helps to indicate what kind of borrower/partner a person or company is, and the likelihood of them fulfilling their obligations A credit score is a tool used by companies to help determine whether an individual would qualify for a particular loan, mortgage, service or partnership. Build your own score using various customer data sources or integrate with third-party scoring solution providers. Adjust and train the system to make correct decisions once sufficient data is collected.

Automated decision making

Automated decision making

A company automated decision process is a computer based credit application processing system that provides routing of credit/business applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. The process for concluding decisions is based on company data, information from external data sources, and company business rules.

Customer Portal Website

Customer Portal Website

The accumulated information can also be used to work with customers in a separate client portal or can be integrated into the company's existing porta.

Debt recovery process

Debt recovery process

This is a tool that allows a company operator (or automated decision process) in accordance with the provisions and company business rules automatically transmit the delay to debt collection processing or collector(s).

Payment monitoring services

Payment monitoring services

This is a tool that allows companies to follow their customer/partner payment behaviour with the aim of identifying risks associated with a decrease in solvency before action is required.

Fraud Prevention Tool

Fraud Prevention Tool

Tools which allow the company, to use the available information available and external resources to detect the possibility of fraud and dishonest activity at an early stage and prevent it.

Electronic payments

Electronic payments

These are tools that allow the company's customers to pay via electronic payment systems.

Reporting engine

Reporting engine

This is a tool that allows companies to use a predefined set of detailed user-friendly reports, edit and add customised reports and export data to multiple formats, including Excel, Word, PDF, TXT and others.

Notification centre

Notification centre

This tools allows send automatic/scheduled emails and text messages to the customers. Text messages and emails can be anchored to a specific event in a customer’s credit history.

Information Exchange platform

This platform allows the company to accumulate data and exchange information with other companies using a common InfoHouse Exchange platform and database.

Platform settings:

  • Local/international – this platform can be used to process data accumulation from multiple companies/institutions, local/international
  • Closed groups/open/mixed – access to information (data filters, layouts, etc.) can be defined by platform participants (companies, company groups, market sectors, etc.) and implemented by an InfoHouse Exchange platform administrator
  • Cross-platform – can be integrated into multiple client system(s)/platform(s)
  • Real-time/non-real-time – data renewal in InfoHouse platform
  • Credit Bureau Solutions – Credit Bureau services and solutions
  • Customized (company, group, market sector, country) – Customized (company, group/sector) data fields in the platform. The solutions can be adjusted to the customer needs as defined by platform participants (companies, company groups, market sectors, countries, etc.).
  • Reciprocity – information exchange based on the principle of reciprocity

Available modules:

Credit reports on individuals

Credit reports on individuals

An individual’s credit report contains information about their credit, some bill repayment history and the status of credit accounts. This information includes how often a person makes payments on time, how much credit a person has, and whether a debt or bill collector is collecting money owed by that person. Credit reports can also contain rental repayment information and can contain public records such as liens, judgments, and bankruptcies that provide an insight into an individual’s financial status and obligations.

Credit reports on companies

Credit reports on companies

A company credit report contains information of a company’s financial situation, bill repayment history, how often a company makes payments on time - payment behaviour, whether there have been delayed payments or if a bill collector is collecting money from a company. It also contains public records such as liens, judgments, and bankruptcies that provide an insight into a company’s financial status and obligations. Companies use these reports to decide what risks they have if they work with this company or on what conditions. These reports are based on information that a company has and can obtain from external data sources.

Credit scoring

Credit scoring

Using a mathematical model with the information in a credit report, and any additional information, a score representing the credit risk level of an individual/company can be calculated. This helps to indicate what kind of borrower/partner a person or company is, and the likelihood of them fulfilling their obligations A credit score is a tool used by companies to help determine whether an individual would qualify for a particular loan, mortgage, service or partnership. Build your own score using various customer data sources or integrate with third-party scoring solution providers. Adjust and train the system to make correct decisions once sufficient data is collected.

Automated decision making

Automated decision making

A company automated decision process is a computer based credit application processing system that provides routing of credit/business applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. The process for concluding decisions is based on company data, information from external data sources, and company business rules.

Customer Portal Website

Customer Portal Website

The accumulated information can also be used to work with customers in a separate client portal or can be integrated into the company's existing porta.

Debt recovery process

Debt recovery process

This is a tool that allows a company operator (or automated decision process) in accordance with the provisions and company business rules automatically transmit the delay to debt collection processing or collector(s).

Payment monitoring services

Payment monitoring services

This is a tool that allows companies to follow their customer/partner payment behaviour with the aim of identifying risks associated with a decrease in solvency before action is required.

Fraud Prevention Tool

Fraud Prevention Tool

Tools which allow the company, to use the available information available and external resources to detect the possibility of fraud and dishonest activity at an early stage and prevent it.

Electronic payments

Electronic payments

These are tools that allow the company's customers to pay via electronic payment systems.

Reporting engine

Reporting engine

This is a tool that allows companies to use a predefined set of detailed user-friendly reports, edit and add customised reports and export data to multiple formats, including Excel, Word, PDF, TXT and others.

Notification centre

Notification centre

This tools allows send automatic/scheduled emails and text messages to the customers. Text messages and emails can be anchored to a specific event in a customer’s credit history.

Data Transfer platform

This platform allows companies to accumulate data in their own DB using secure (and as a safety buffer) transfer information or data to other recipients (institutions, companies, customers, etc.) – can be used as single external data transfer portal.

Platform settings:

  • Local/international – this platform can be used to process data transfers to multiple recipients (companies/institutions, local/international)
  • Closed groups/open/mixed – data transfer (access, data filters, layouts, etc.) as defined by the company
  • Separate/integrated – platform can be used separately or integrated
  • Cross-platform – can be integrated into multiple client system(s)/platform(s)
  • Real-time/non-real-time – data renewal in the InfoHouse platform
  • Customised (company, group, market sector, country) data fields in platform, solutions can be adjusted to customer needs (added, sorted, filtered, etc.).

Available modules:

Reporting engine

Reporting engine

This is a tool that allows companies to use a predefined set of detailed user-friendly reports, edit and add customised reports and export data to multiple formats, including Excel, Word, PDF, TXT and others.

Notification centre

Notification centre

This tools allows send automatic/scheduled emails and text messages to the customers. Text messages and emails can be anchored to a specific event in a customer’s credit history.

Customer Portal Website

Customer Portal Website

The accumulated information can also be used to work with customers in a separate client portal or can be integrated into the company's existing porta.

Servers

INFORMATION

InfoHouse servers meets a broad set of international and industry-specific compliance standards, such as ISO/IEC 27001, ISO/IEC 27018, CDSA, CSA CCM, ENISA IAF, PCI-DSS, SOC 1, 2 and 3, EU Directive 95/46/EC, EU Model Clauses as well as country-specific standards like, Australia CCSL (IRAP), Argentina APDPA, China MLPS, Japan FISC, Japan CS Mark, New Zealand NZ CC Framework, Singapore MTCS, UK G-Cloud, US FedRAMP, US FERPA, US FIPS 140-2, US HIPAA/HITECH.

InfoHouse recognizes that security is a core component in the software development process can reduce the risk of costly issues, improve the security and privacy of infrastructure and applications, and protect data in servers. Servers combines core directory services, advanced identity governance, security, and application access management, that allows to manage, control identity, user access to data and applications by federating user identities and enabling Multi-Factor Authentication for more secure sign-in.

Encrypted communications and operational processes, enhance the security of customers’ data and for data in transit, server uses industry-standard transport protocols – between user devices and datacenters, and within datacenters themselves. For data at rest, there is wide range of encryption capabilities up to AES-256.

LOCATIONS

Our Team

Evita Vaivode-Šulte

Evita Vaivode-Šulte

Board Member

Armins Kalniņš

Armins Kalniņš

Chairman of the Board

Indulis Misiņš

Indulis Misiņš

Board Member

FAQ

WHY PAYMENT INFORMATION IS SO IMPORTANT?

The company’s customer (individual or company) payment data is the value that belongs to the company and can help both the company and its customers, but using the analogy of the timber market – a tree in the forest is less valuable than a treated sill. So that company could make the most of the opportunities provided by the customer data (company’s business development, risk management, new services, market development, etc.) and, if required, offer that value to the market, the company needs to collect it correctly, process and create specific information delivering channels.

Both positive and negative information about how your customers are fulfilling their commitments, provide critical, client representative information. In the longer term, details of customers become more and more accurate, and this information becomes more valuable with each passing day. The following information is required for all companies that need to define their customer’s characteristics and assess their creditworthiness: the bank, non-bank credit management, leasing companies, insurers, communications companies, property managers, etc. and companies whose bills are paid for the product or service delivery. Such information helps to motivate good clients, enabling them to obtain better conditions of the services in other areas.

WHAT IT BRINGS TO THE COMPANY?

Despite the direct financial gains of the platform user (improving payment discipline, the client’s portfolio, reducing losses, etc.), it provides the company with an opportunity of creating positive communication with its clients/partners. Accumulated data not only opens the door to more profitable conditions, but also allows clients to accrue a positive history so they can obtain better service price/conditions elsewhere – with market participants in other fields and market sectors.

WHAT IT BRINGS TO THE COMPANY CLIENTS/PARTNERS?

It allows individuals/companies to accrue a positive history, which will serve not only as proof of financial stability, but will also display their attitude towards the fulfillment of commitments. It is this information that often guarantees reliable cooperation or rendering of services, avoiding such unnecessary hindrances as pledges, assurances, etc.

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