*Basis Business Report*
Contains detailed information about the business entity including its history,
directors, corporate registry information, banking relationships and
encumbrances as well as potential legal suits related to the business entity,
and forms part of the Basis Overseas Report and Basis Credit Report or
can be purchased separately

*Basis Credit Report*
Contains Basis Overseas Report information on Malaysian companies

*Basis Overseas Report*
Contains information such as registration information, date of incorporation,
legal status, capital structure, encumbrances and legal actions, as well as
more extensive information on payment records, clientele, operations,
recent developments, industry outlook, Basis’ comments and Basis’ credit
risk evaluation on companies outside of Malaysia

*Basis Trade Report*
Contains Basis Business Report information and the latest three years’
financial statements, comparative financial analysis and financial
comments on Malaysian companies

*Business Listings*
Basis’ directory of Malaysian businesses containing basic information such
as business description, contact details and hours of operation for
prospecting purposes

*CAD*
CTOS Application and Decisioning, an automated digital solution that
enables users to make credit decisions instantly based on CRA information
and the business or credit policies of the customer

*CCRIS*
Central Credit Reference Information System, a computerised database
maintained by BNM Credit Bureau to provide standardised credit reports
on a potential borrower

*CED*
CTOS Enhanced Database, contains litigation and bankruptcy proceedings
information shared by CTOS Data Systems subscribers such as banks,
non-bank lenders, telecommunication companies and law firms

*Commercial*
A customer type comprising all of our Malaysian commercial customers
other than our Key Accounts customers including the SMEs

*Company Search*
A Malaysian company directory search service offered through CTOS
Basis

*Comprehensive Portfolio Review*
A comprehensive review of customer’s portfolios of end-customer data to
provide CTOS Data Systems’ customers with more information about their
own customer bases

*CREST*
Council of Registered Ethical Security Testers

*CTOS Basis*
Provides access to International Reports, litigation check, credit monitoring
services and Company Search

*CTOS Basis Reports *
Comprises all reports offered by Basis, namely, the Basis Business Report,
Basis Credit Report, Basis Trade Report and International Reports

*CTOS BizFinder*
Digital SME directory with business descriptions and contact information

*CTOS Consumer Score*
A credit rating standard applicable to individuals i.e. a three-digit number
ranging from 300 (poor) to 850 (excellent) that features in CTOS Score
Reports and MyCTOS Score Reports as well as subscription to CTOS
SecureID

*CTOS CreditFinder*
Loan matching and referral platform for the listings of financial products
targeted at consumers which are offered based on CTOS Consumer Score

*CTOS Credit Manager*
CTOS Data Systems’ subscription-based online credit risk management
platform for customers to search, store, monitor and manage their own
customers’ and/or related business parties’ credit and other information

*CTOS Data Systems Reports*
Comprises all reports offered by CTOS Data Systems, namely, the CTOS
Report, CTOS LitE Report, CTOS Score Report, CTOS SME Report,
MyCTOS Basic Report, MyCTOS Score Report and reports with CCRIS

*CTOS eKYC*
CTOS Electronic Know-Your-Customer, a digital identity verification
solution with a four-layer authentication process

*CTOS ID*
An account registered with CTOS Data Systems which allows consumers
to access their CTOS Scores and credit information

*CTOS IDGuard*
CTOS Data Systems’ credit application fraud prevention solution with the
ability to detect ID theft and impersonation, false and synthetic identities,
data or documentation manipulation, organised fraud rings and syndicates

*CTOS LitE Report*
CTOS Report excluding banking payment history, dishonoured cheques,
CCRIS supplementary information, litigation, bankruptcy and eTR
information

*CTOS Mobile Application*
A mobile channel for consumers to purchase and access MyCTOS Score
Reports, and for subscribers to access CTOS SecureID

*CTOS Portfolio Analytics and Insights*
CTOS Data Systems’ customised analytics and insights to customers
based on a combination of a customer’s portfolio data and CTOS Data
Systems’ own comprehensive databases

*CTOS Report*
A report containing basic identification, financial, litigation and trade
reference information about a business or individual but does not include
CTOS Scores

*CTOS Score*
CTOS Scores are three-digit numbers that represent CTOS Data Systems’
assessment of the credit health of a consumer or business. Comprises the
CTOS Consumer Score and CTOS SME Score

*CTOS Score Report*
Comprises the CTOS Report and a CTOS Consumer Score that is usually
purchased via CTOS Credit Manager

*CTOS SecureID*
CTOS Data Systems’ subscription-based service for fraud protection and
credit monitoring which give subscribers alerts on any missed payments,
changes in credit history, litigation status, bankruptcy and eTR records

*CTOS SME Report*
Comprises the CTOS Report and CTOS SME Score

*CTOS SME Score*
A credit rating standard applicable to SMEs i.e. a three-digit number
ranging from 100 (poor) to 400 (excellent) that features in CTOS SME
Reports

*CTOS Tenant Screening Report*
Comprises identification verification, Know-Your-Customer screening,
financial checks, income estimation and historical legal cases or
bankruptcies, which allows landlords or agents to screen prospective
tenants

*Customised Bulk Data Sales*
This refers to the sale of bulk data sets to a customer. The customer is able
to specify the particular subset of information from Basis’ database that it
wishes to purchase in bulk, including information from Business Listings

*Dark Web*
Intentionally hidden internet content that is not indexed by conventional
search engines and requires specific web browsers in order to be
accessed. Some dark web listings contain illicit information, including
stolen credit card details or other sensitive personal data

*DCHEQS*
Dishonoured Cheque Information System, a computerised database
system developed and maintained by BNM to collect, process, store and
generate information related to dishonoured cheques

*Direct-to-Consumer*
A customer type comprising all of our retail consumers

*DWDM*
Dense wavelength division multiplexing fibres, a fibre-optic transmission
technique. It involves the process of multiplexing many different
wavelength signals onto a single fiber. Each fiber has a set of parallel
optical channels and each one uses slightly different light wavelengths. The
fibres employ light wavelengths to transmit data parallel-by-bit or serial-bycharacter. DWDM is a very crucial component of optical networks that will
allow the transmission of data: voice, video-IP, asynchronous transfer
mode (ATM), and synchronous optical networking (SONET)/ synchronous
digital hierarchy (SDH) respectively, over the optical layer

*E-Court Search Report*
Contains information on legal proceedings in Malaysia from public court
listings and legal notices

*eTR*
CTOS Electronic Trade Reference, non-bank trade references voluntarily
submitted by CTOS Data Systems’ subscribers

*eTR Plus*
CTOS Electronic Trade Reference Plus, non-bank trade references of
positive information about a customer’s payment history voluntarily
submitted by CTOS Data Systems’ subscribers

*External Reports*
Comprises the ROC Report, ROB Report, LLP Report, Idaman Report, MDI
Report, E-Court Search Report and Land Title Report

*Idaman Report*
A detailed company information and financial report from CCM, including
corporate documents, annual return and company charges

*International B2B*
A customer type comprising CIBI’s international business-to-business
services customers

*International Reports*
Comprises the Basis Overseas Report and Singapore Comprehensive
Report

*Key Accounts*
A customer type comprising all of our highest revenue-generating
customers as well as other selected customers, such as those with
complex requirements

*KYC*
Know-Your-Customer

*Land Title Report*
Contains official property ownership information from land offices in
Malaysia

*LLP Report*
Limited liability partnership report

*MDI Report*
Contains bankruptcy and insolvency information of individuals and
businesses

*MyCTOS Basic Repor*
A free consumer credit report available with basic consumer identification,
as well as directorship and business interest information, excluding the
CTOS Consumer Score

*MyCTOS Score Repor*
Comprises the CTOS Report and CTOS Consumer Score that is usually
purchased via CTOS Data Systems’ website

*OCR*
Optical character recognition or optical character reader is the electronic or
mechanical conversion of images of typed, handwritten or printed text into
machine-encoded text, whether from a scanned document, a photo of a
document, a scene-photo (for example the text on signs and billboards in
a landscape photo) or from subtitle text superimposed on an image

*P2P*
Peer-to-peer

*ROB Report*
Registered business report

*ROC Report*
Registered company report

*Singapore Comprehensive Report*
Contains ACRA registry related information, company financials,
comparative ratios and industry outlook on Singaporean companies

*SaaS*
Software-as-a-service is a software distribution model in which a third-party
provider hosts applications and makes them available to customers over
the Internet

*Trade Reference*
Non-banking information related to trades used as a means to verify the
creditworthiness of a customer to a third party considering the extension of
credit

*企业名录*
Basis 的马来西亚企业目录，其中包含基本信息，例如
作为业务描述、联系方式和营业时间
勘探目的

*加元*
CTOS 应用和决策，一个自动化的数字解决方案，
使用户能够根据 CRA 信息即时做出信用决策
以及客户的商业或信用政策

*CCRIS*
中央信用参考信息系统，一个计算机化的数据库
由国家银行信用局维护以提供标准化的信用报告
潜在借款人

*CED*
CTOS 增强型数据库，包含诉讼和破产程序
CTOS Data Systems 订户共享的信息，例如银行、
非银行贷款人、电信公司和律师事务所

*商业的*
包括我们所有马来西亚商业客户的客户类型
除了我们的大客户客户，包括中小企业

*公司搜索*
通过 CTOS 提供的马来西亚公司目录搜索服务
基础

*全面的投资组合审查*
对客户的最终客户数据组合进行全面审查，以
为 CTOS Data Systems 的客户提供更多关于他们的信息
自己的客户群

*波峰*
注册道德安全测试员委员会

*CTOS 基础*
提供对国际报告、诉讼检查、信用监控的访问
服务和公司搜索

*CTOS 基础报告 *
包括 Basis 提供的所有报告，即 Basis 业务报告，
基础信用报告、基础贸易报告和国际报告

*CTOS BizFinder*
包含业务描述和联系信息的数字中小企业目录

*CTOS 消费者评分*
适用于个人的信用评级标准，即三位数
CTOS 评分从 300（差）到 850（优秀）不等
报告和 MyCTOS 分数报告以及订阅 CTOS
安全ID

*CTOS CreditFinder*
金融产品上市贷款撮合推荐平台
针对基于 CTOS Consumer Score 提供的消费者

*CTOS 信贷经理*
CTOS Data Systems 基于订阅的在线信用风险管理
供客户搜索、存储、监控和管理自己的平台
客户和/或相关业务方的信用和其他信息

*CTOS 数据系统报告*
包括 CTOS Data Systems 提供的所有报告，即 CTOS
报告、CTOS LiteE 报告、CTOS 评分报告、CTOS SME 报告、
MyCTOS 基本报告、MyCTOS 分数报告和 CCRIS 报告

*CTOS eKYC*
CTOS Electronic Know-Your-Customer，数字身份验证
四层认证流程的解决方案

*CTOS ID*
在 CTOS Data Systems 注册的帐户，允许消费者
访问他们的 CTOS 分数和信用信息

*CTOS IDGuard*
CTOS Data Systems 的信用申请欺诈预防解决方案
检测身份盗窃和冒充、虚假和合成身份的能力，
数据或文件操纵、有组织的欺诈团伙和辛迪加

*CTOS LiteE 报告*
CTOS 报告不包括银行付款历史、拒付支票、
CCRIS 补充信息、诉讼、破产和 eTR
信息

*CTOS 移动应用程序*
消费者购买和访问 MyCTOS Score 的移动渠道
报告，以及供订阅者访问 CTOS SecureID

*CTOS 投资组合分析和洞察*
CTOS Data Systems 为客户定制的分析和洞察
基于客户的投资组合数据和 CTOS 数据的组合
系统自己的综合数据库

*CTOS 报告*
一份包含基本身份、财务、诉讼和贸易的报告
有关企业或个人的参考信息，但不包括
CTOS分数

*CTOS 分数*
CTOS 分数是代表 CTOS Data Systems 的三位数字
评估消费者或企业的信用状况。包括
CTOS消费者评分和CTOS中小企业评分

*CTOS 评分报告*
包括 CTOS 报告和 CTOS 消费者评分，通常为
通过 CTOS Credit Manager 购买

*CTOS SecureID*
CTOS Data Systems 基于订阅的欺诈保护和
信用监控可让订阅者在任何错过的付款时发出警报，
信用记录、诉讼状态、破产和 eTR 记录的变化

*CTOS 中小企业报告*
包括 CTOS 报告和 CTOS SME 评分

*CTOS 中小企业评分*
适用于中小企业的信用评级标准，即三位数
从 100（差）到 400（优秀），CTOS SME 中的特点
报告

*CTOS租户筛选报告*
包括身份验证、了解您的客户筛选、
财务检查、收入估计和历史法律案件或
破产，允许房东或代理人筛选潜在的
租户

*定制批量数据销售*
这是指向客户出售批量数据集。客户能够
指定来自 Basis 数据库的特定信息子集
希望批量购买，包括来自企业名录的信息

*暗网*
未被常规索引的故意隐藏的互联网内容
搜索引擎并需要特定的网络浏览器才能
访问。一些暗网列表包含非法信息，包括
被盗信用卡详细信息或其他敏感的个人数据

*DCHEQS*
耻辱支票信息系统，一个计算机化的数据库
由 BNM 开发和维护的系统，用于收集、处理、存储和
生成与拒付支票相关的信息

*直接面向消费者*
包含我们所有零售消费者的客户类型

*DWDM*
密集波分复用光纤，一种光纤传输
技术。它涉及多路复用许多不同的过程
波长信号传输到单根光纤上。每根光纤都有一组平行的
光通道，每个通道使用的光波长略有不同。这
光纤使用光波长来并行逐位或逐字符地传输数据。 DWDM 是光网络的一个非常重要的组成部分，它将
允许数据传输：语音、视频IP、异步传输
模式（ATM）和同步光网络（SONET）/同步
分别在光层上的数字层次结构 (SDH)

*电子法院搜索报告*
包含来自公共法庭的马来西亚法律诉讼信息
列表和法律声明

*eTR*
CTOS电子贸易参考，自愿非银行贸易参考
由 CTOS Data Systems 的订户提交

*eTR Plus*
CTOS Electronic Trade Reference Plus，非银行贸易参考
主动提供有关客户付款历史的正面信息
由 CTOS Data Systems 的订户提交

*外部报告*
包括 ROC 报告、ROB 报告、LLP 报告、Idaman 报告、MDI
报告、电子法院搜索报告和土地所有权报告

*伊达曼报告*
来自 CCM 的详细公司信息和财务报告，包括
公司文件、周年申报表和公司费用

*国际B2B*
包含 CIBI 国际企业对企业的客户类型
服务客户

*国际报道*
包括基础海外报告和新加坡综合报告
报告

*关键账户*
包含我们所有最高创收的客户类型
客户以及其他选定的客户，例如那些有
复杂的要求

*了解客户*
了解你的客户

*土地所有权报告*
包含来自土地局的官方财产所有权信息
马来西亚

*LLP 报告*
有限责任合伙企业报告

*计量吸入器报告*
包含个人的破产和无力偿债信息
企业

*MyCTOS 基本报告*
免费的消费者信用报告，提供基本的消费者身份证明，
以及董事和商业利益信息，不包括
CTOS消费者评分

*MyCTOS 分数报告*
包括 CTOS 报告和 CTOS 消费者评分，通常为
通过 CTOS Data Systems 的网站购买

*OCR*
光学字符识别或光学字符阅读器是电子或
将打字、手写或印刷文本的图像机械转换为
机器编码的文本，无论是来自扫描的文档，还是来自
文档、场景照片（例如，在标志和广告牌上的文字）
风景照片）或来自叠加在图像上的字幕文本

*点对点*
点对点

*ROB 报告*
注册业务报告

*中华民国报告*
注册公司报告

*新加坡综合报告*
包含 ACRA 注册相关信息、公司财务、
新加坡公司的比较比率和行业前景

*软件即服务*
软件即服务是一种软件分发模型，其中第三方
提供商托管应用程序并通过以下方式将它们提供给客户
互联网

*贸易参考*
与交易相关的非银行信息用作验证
考虑到延期的客户对第三方的信誉
信用