System and method for compiling information for resolving transactions

Abstract

A system and method for gathering information pertinent to a transaction, such as one of a plurality of debts, is presented. The design comprises a server arrangement configured to seek information to compile a transaction settlement offer set, the server arrangement configured to seek at least one from a group comprising information related to personal data regarding a user, information related to account data regarding a user account, information related to macroeconomic data, and information related to the transaction. The server arrangement seeks all information from a source separate from the server arrangement and the user.

What is claimed is: 
     
         1 . A method for gathering information pertinent to at least one of a plurality of debts comprising:
 collecting credit information including information about a user's current financial condition using a server arrangement for use in compiling at least one transaction settlement offer set according to a set of predetermined offer set rules, each transaction settlement offer set comprising a plurality of individually selectable offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the set of predetermined offer set rules and collected credit information including available information about the user's current financial condition and further determined to facilitate settlement of at least one of the plurality of debts, each individually selectable monetary offer selectable by the user to establish settlement of the at least one of the plurality of debts by modifying existing terms of the at least one of the plurality of debts without providing new debt instruments to the user, and wherein upon selection of one offer by the user, the server arrangement processes at least a portion of the one offer selected by the user;   wherein the collecting credit information including information about the user's current financial condition using the server arrangement comprising employing the server arrangement to perform at least one from a group comprising:
 seeking credit information related to personal data regarding the user from a personal data source separate from the user, a user device, and the server arrangement; 
 seeking credit information related to account data regarding a user account from an account data source separate from the user, the user device, and the server arrangement; 
 seeking information related to macroeconomic data from a macroeconomic source separate from the user, the user device, and the server arrangement; and 
 seeking credit information related to the debt from a transaction data source separate from the user, the user device, and the server arrangement. 
   
     
     
         2 . The method of  claim 1 , wherein said collecting is based on information specifically pertinent to a set of rules provided on behalf of a party to the at least one debt. 
     
     
         3 . The method of  claim 1 , wherein said collecting credit information comprises seeking macroeconomic data from a public server arrangement. 
     
     
         4 . The method of  claim 1 , wherein said collecting credit information comprises seeking personal data information from a credit source. 
     
     
         5 . The method of  claim 1 , wherein the user comprises a debtor, and collecting credit information comprises seeking personal data information regarding the debtor via information from a credit source. 
     
     
         6 . The method of  claim 1 , further comprising parsing the data collected by said collecting according to data pertinent to rules established on behalf of a party to at least one of the plurality of debts. 
     
     
         7 . A system configured to gather information pertinent to at least one of a plurality of debts comprising:
 a server arrangement configured to seek credit information including information about a user's current financial condition for use in compiling at least one transaction settlement offer set according to a set of predetermined offer set rules, each transaction settlement offer set comprising a plurality of individually selectable monetary offers each comprising different decisioned settlement terms specifically determined for the user based on the set of predetermined offer set rules and available information about the user's current financial condition, and further determined to facilitate settlement of at least one of the plurality of debts, each individually selectable monetary offer selectable by the user to establish settlement of at least one of the plurality of debts by modifying existing terms at least one of the plurality of debts without providing a new debt instrument to the user, and wherein upon selection of one offer by the user, the server arrangement processes at least a portion of the one offer selected by the user;   wherein the server arrangement is configured to seek at least one from a group comprising:
 credit information related to personal data regarding the user; 
 credit information related to account data regarding a user account; 
 information related to macroeconomic data; and 
 credit information related to at least one of the plurality of debts; 
   wherein said server arrangement is further configured to seek information from a source separate from the server arrangement and the user and a user device.   
     
     
         8 . The system of  claim 7 , wherein said server arrangement seeks credit information based on information specifically pertinent to a set of rules provided on behalf of a party to at least one of the plurality of debts. 
     
     
         9 . The system of  claim 7 , wherein said server arrangement seeks macroeconomic data from a public server arrangement. 
     
     
         10 . The system of  claim 7 , wherein said server arrangement seeks personal data information via at least a portion of a credit report. 
     
     
         11 . The system of  claim 7 , wherein the user comprises a debtor, and collecting credit information comprises seeking personal data information regarding the debtor from a credit source. 
     
     
         12 . The system of  claim 7 , further comprising a parser configured to parse the information into data pertinent to rules established on behalf of a party having an interest in at least one of the plurality of debts. 
     
     
         13 . A method for gathering information pertinent to at least one of a plurality of debts comprising:
 collecting credit information including information about a user's current financial condition using a server arrangement for use in compiling at least one transaction settlement offer set according to a set of predetermined offer set rules, each transaction settlement offer set comprising a plurality of individually selectable monetary offers each comprising different decisioned settlement terms specifically determined for the user based on the set of predetermined offer set rules and available information about the user's current financial condition, and further determined to facilitate settlement of at least one of the plurality of debts, each individually selectable monetary offer selectable by the user to establish settlement of at least one of the plurality of debts by modifying existing terms of at least one of the plurality of debts without providing new debt instruments to the user, and wherein upon selection of one offer by the user, the server arrangement obtains processes at least a portion of the one offer selected by the user;   wherein the collecting credit information using the server arrangement comprises employing the server arrangement to perform at least one from a group comprising:
 seeking credit information related to personal data regarding the debtor user from a credit source separate from the user, a user device, and the server arrangement; 
 seeking credit information related to account data regarding a user account from a financial source separate from the user, the user device, and the server arrangement; 
 seeking information related to macroeconomic data from a macroeconomic source separate from the user, the user device, and the server arrangement; and 
 seeking credit information related to data regarding at least one of the plurality of debts from a data source separate from the user, the user device, and the server arrangement. 
   
     
     
         14 . The method of  claim 13 , wherein said collecting is based on information specifically pertinent to a set of rules provided on behalf of a creditor. 
     
     
         15 . The method of  claim 13 , wherein said collecting information comprises seeking macroeconomic data from a public server arrangement. 
     
     
         16 . The method of  claim 13 , wherein said collecting information comprises seeking personal data information from a credit source. 
     
     
         17 . The method of  claim 13 , further comprising parsing the data collected by said collecting to data pertinent to rules established on behalf of a creditor holding at least one of the plurality of debts.