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7, 2001, which is incorporated herein by reference in its entirety to the extent that it is consistent with this invention and application. Field of the Invention The invention relates to the field of electronic transactions, and more particularly to techniques for rapidly updating credit scores or other credit information, for instance on a daily or greater basis. Description of the Related Art The credit card, mortgage, personal credit and other financial sectors rely on a variety of information in reviewing, approving, denying and otherwise evaluating credit and credit risk.The First Data Resources Corporation (FDR) likewise commercially handles score calculation generally on a monthly basis.One known FDR risk score is based on historical data of a particular credit card account, including daily transaction data for the account.However, the FDR risk score is not based on credit reporting organization data.In this paper, we develop a methodology by combining model classification with multidimensional scaling (MDS) and the En KF to create rapidly updating models of a channelized reservoir.A dissimilarity matrix is computed by use of the dynamic responses of ensemble members.The En KF performance is only optimal, however, if the prior-state vector is linearly related to the predicted data and if the joint distribution of the prior-state vector is multivariate Gaussian.

In a certain percentage of cases, the credit card issuer, based on the scoring engine, will extend credit to a consumer who then fails to repay the loan.According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been received... One commercially known metric for assessing credit risk is the mathematical model generated by Fair, Issac and Company (FICO) which assigns consumers a normative score based on credit files and other information.According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least once a day, whether a first data set relating to the creditworthiness of the account holder has been received from a credit reporting organization; determining, at least once a day, whether a second data set relating to transaction activity of the credit account has been received; periodically receiving from a credit reporting organization a third data set relating to the creditworthiness of the account holder; periodically receiving a fourth data set relating to the historical activity of the credit account; and using the first and second data sets, to the extent they have been received, and the third and fourth data sets to determine a measure of creditworthiness.determining, by at least one computer processor, at least once a day, whether a first data set relating to the current creditworthiness of the current account holder has been received from a credit reporting organization;inputting, by the at least one computer processor, the account transactions profile, the credit history profile, and the account history profile into a scoring engine to determine the measure of creditworthiness.determining, by the at least one computer processor, a measure of creditworthiness based on the credit history data set, the account history data set, the significant events data set, and the account transactions data set;using, by the at least one computer processor, the credit history data set, the account history data set, and the third data set to determine a measure of the creditworthiness of the account holder; and The present application claims priority to U. Credit files themselves, such as those maintained by the credit reporting organizations (such as Equifax and Experian), may receive updated account payment, balance, delinquency and other information on a periodic basis, which is typically monthly.The ‘Rapid Update’ process is a manual overnight update intended only for correcting significant errors that might, for example, prevent someone getting a loan.It is used to make sure the most serious cases are dealt with quickly by banks and financial institutions.