System and methods for credit dispute processing, resolution, and reporting
First Claim
Patent Images
1. A credit dispute resolution computing system comprising:
- a computer readable storage medium having software instructions stored thereon; and
one or more processors configured to execute the software instructions to cause the computing system to;
determine, from a plurality of statuses, a current status of a credit dispute request;
generate user interface data configured to be rendered as a user interface associated with the credit dispute request, wherein the user interface includes;
a plurality of visual representations of respective ones of the plurality of statuses, anda first indicator of the current status of the credit dispute request, wherein the first indicator is positioned in the user interface in relation to the plurality of visual representations to indicate the current status of the credit dispute request;
receive, over a wired or wireless electronic communication channel, a request to access the user interface, wherein the request to access the user interface is received via selection of a first selectable link which indicates an electronic address by which the user interface may be accessed;
in response to selection of the first selectable link;
cause transmission, over the wired or wireless electronic communication channel, of the user interface data to an electronic device of a user associated with the credit dispute request; and
cause rendering and display of the user interface on the electronic device of the user;
receive additional information associated with the credit dispute request;
in response to determining that the additional information indicates a change of status of the credit dispute request;
determine, from the plurality of statuses, an updated status of the credit dispute request that is different than the current status; and
generate updated user interface data configured to be rendered as an updated user interface, wherein in the updated user interface the first indicator is repositioned in relation to the plurality of visual representations to indicate the updated status of the credit dispute request;
receive, over the wired or wireless electronic communication channel, a request to access the updated user interface, wherein the request to access the updated user interface is received via selection of a second selectable link which indicates an electronic address by which the updated user interface may be accessed; and
in response to selection of the second selectable link;
cause transmission, over the wired or wireless electronic communication channel, of the updated user interface data to the electronic device of the user; and
cause rendering and display of the updated user interface on the electronic device of the user.
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Abstract
Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor'"'"'s response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.
1366 Citations
21 Claims
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1. A credit dispute resolution computing system comprising:
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a computer readable storage medium having software instructions stored thereon; and one or more processors configured to execute the software instructions to cause the computing system to; determine, from a plurality of statuses, a current status of a credit dispute request; generate user interface data configured to be rendered as a user interface associated with the credit dispute request, wherein the user interface includes; a plurality of visual representations of respective ones of the plurality of statuses, and a first indicator of the current status of the credit dispute request, wherein the first indicator is positioned in the user interface in relation to the plurality of visual representations to indicate the current status of the credit dispute request; receive, over a wired or wireless electronic communication channel, a request to access the user interface, wherein the request to access the user interface is received via selection of a first selectable link which indicates an electronic address by which the user interface may be accessed; in response to selection of the first selectable link; cause transmission, over the wired or wireless electronic communication channel, of the user interface data to an electronic device of a user associated with the credit dispute request; and cause rendering and display of the user interface on the electronic device of the user; receive additional information associated with the credit dispute request; in response to determining that the additional information indicates a change of status of the credit dispute request; determine, from the plurality of statuses, an updated status of the credit dispute request that is different than the current status; and generate updated user interface data configured to be rendered as an updated user interface, wherein in the updated user interface the first indicator is repositioned in relation to the plurality of visual representations to indicate the updated status of the credit dispute request; receive, over the wired or wireless electronic communication channel, a request to access the updated user interface, wherein the request to access the updated user interface is received via selection of a second selectable link which indicates an electronic address by which the updated user interface may be accessed; and in response to selection of the second selectable link; cause transmission, over the wired or wireless electronic communication channel, of the updated user interface data to the electronic device of the user; and cause rendering and display of the updated user interface on the electronic device of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A computer-implemented method comprising:
by one or more hardware processors executing software instructions; determining, from a plurality of statuses, a current status of a credit dispute request; generating user interface data configured to be rendered as a user interface associated with the credit dispute request, wherein the user interface includes; a plurality of visual representations of respective ones of the plurality of statuses, and a first indicator of the current status of the credit dispute request, wherein the first indicator is positioned in the user interface in relation to the plurality of visual representations to indicate the current status of the credit dispute request; receiving, over a wired or wireless electronic communication channel, a request to access the user interface; in response to the request to access the user interface, causing transmission, over the wired or wireless electronic communication channel, of the user interface data to an electronic device of a user associated with the credit dispute request, wherein the electronic device of the user is configured to render and display the user interface; receiving additional information associated with the credit dispute request; in response to determining that the additional information indicates a change of status of the credit dispute request; determining, from the plurality of statuses, an updated status of the credit dispute request that is different than the current status; and generating updated user interface data configured to be rendered as an updated user interface, wherein in the updated user interface the first indicator is repositioned in relation to the plurality of visual representations to indicate the updated status of the credit dispute request; receiving, over the wired or wireless electronic communication channel, a request to access the updated user interface; and in response to receiving the request to access the updated user interface, causing transmission, over the wired or wireless electronic communication channel, of the updated user interface data to the electronic device of the user, wherein the electronic device of the user is configured to render and display the updated user interface. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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21. A computer readable storage medium having program instructions embodied therewith, the program instructions executable by one or more processors to cause the one or more processors to:
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determine, from a plurality of statuses, a current status of a credit dispute request; generate user interface data configured to be rendered as a user interface associated with the credit dispute request, wherein the user interface includes; a plurality of visual representations of respective ones of the plurality of statuses, and a first indicator of the current status of the credit dispute request, wherein the first indicator is positioned in the user interface in relation to the plurality of visual representations to indicate the current status of the credit dispute request; receive, over a wired or wireless electronic communication channel, a request to access the user interface; in response to the request to access the user interface, cause transmission, over the wired or wireless electronic communication channel, of the user interface data to an electronic device of a user associated with the credit dispute request, wherein the electronic device of the user is configured to render and display the user interface; receive additional information associated with the credit dispute request; in response to determining that the additional information indicates a change of status of the credit dispute request; determine, from the plurality of statuses, an updated status of the credit dispute request that is different than the current status; and generate updated user interface data configured to be rendered as an updated user interface, wherein in the updated user interface the first indicator is repositioned in relation to the plurality of visual representations to indicate the updated status of the credit dispute request; receive, over the wired or wireless electronic communication channel, a request to access the updated user interface; and in response to receiving the request to access the updated user interface, cause transmission, over the wired or wireless electronic communication channel, of the updated user interface data to the electronic device of the user, wherein the electronic device of the user is configured to render and display the updated user interface.
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Specification