Data processing system for a billing address-based credit watch

[0021] Detailed descriptions of the preferred embodiments are provided herein. It is to be understood, however, that the present invention may be embodied in various forms. Therefore, specific details disclosed herein are not to be interpreted as limiting, but rather as a basis for the claims and as a representative basis for teaching one skilled in the art to employ the present invention in virtually any appropriately detailed system, structure or manner.

[0022] In accordance with the present invention, a billing address-based credit watch system provides a gateway for creditors to detect identity thefts at early stages, hence further financial losses can be reduced, or at least mitigated. With more detailed consumer payment information transmitted, the data processing system for the billing address-based credit watch can provide creditors broader, even complete, payment information about respective consumers residing at a particular billing address so that not only identity thefts ca