Clothing catalogue firm JD Williams has turned all 17 of its titles into home shopping Web sites.
The sites transfer customer information to credit scoring specialist Experian using a front-end application server and IBM's MQ Series and S/390 products.
The outcome of the credit check is relayed to the user in less than a second.
Tom Fothergill, general manager of e-business for the catalogue company, said, "We have changed the paradigm of internet shopping. Eighty-eight per cent of our customers that shop online use our house account, but only 12% use credit cards."
Eventually, JD Williams expects to offer e-mail marketing and e-commerce services such as gifts, household and electrical goods.
Susan Delves, e-commerce business development manager for JD Williams, said, "We can support our existing customers by offering them the facility to shop from home 24 hours a day and manage their accounts online.
"We have also identified that there is an opportunity to appeal to new customers who have been looking for an outlet in this clothing market and for whom on-line ordering is convenient."