System and method for generating a virtual credit score and a respective virtual credit line

摘要

A system and method for generating a virtual credit score in real-time and establishing a credit line to a customer of a customer node. The method comprises receiving at least one customer identifier of the customer from a supplier node, wherein the customer performs an electronic commerce transaction with respect to the supplier node; retrieving data respective of the customer from at least one data source, wherein the date is retrieved using the at least one customer identifier; analyzing the retrieved data to determine at least one further customer identifier; generating the virtual credit score for the customer at least based on the determined at least one further customer identifier; comparing the virtual credit score to a virtual credit threshold to determine if the customer meets the virtual credit threshold; and upon determining that the customer meets the virtual credit threshold, establishing the credit line to the customer.