Credit data analysis

• US 10,366,450 B1
• Filed: 01/05/2015
• Issued: 07/30/2019
• Est. Priority Date: 11/30/2012
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Mahacek, Jeffrey Bryan, Rohn, Janice Anne
• Primary Examiner(s): Ebersman, Bruce I
• Application Number:
  US14/589,330
• Time in Patent Office: 1,667 Days
• Field of Search: 705 38
• CPC Class Codes: G06F 3/01 Input arrangements or combined input and output arrangements for interaction between user and computer G06F3/16 takes precedence
• CPC Class Codes: G06F 3/0412 Digitisers structurally integrated in a display
• CPC Class Codes: G06F 3/048 Interaction techniques based on graphical user interfaces [GUI]
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/0484 for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06T 11/001 Texturing; Colouring; Generation of texture or colour inpainting G06T5/77
• CPC Class Codes: G06T 11/206 Drawing of charts or graphs
• CPC Class Codes: G06T 2200/24 involving graphical user interfaces [GUIs]

Abstract

A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer'"'"'s scores and the high scorers'"'"' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.

Claims

1. A computer-implemented method comprising:

as implemented by one or more computer systems comprising computer hardware and memory, the one or more computer systems configured with specific executable instructions,

receiving, by the one or more computer systems, one or more voice commands from a requestor;

triggering, based on the one or more voice commands, a request for an electronic consumer credit analysis;

accessing, from one or more electronic data stores, consumer credit data associated with a plurality of consumers with each of the consumers being associated with a same demographic and/or geographic information as the requestor, wherein the requestor is one of the plurality of consumers;

designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;

obtaining, for each of a plurality of credit categories, an aggregated high scorers score indicative of consumer credit data associated with the plurality of high scorers;

accessing a data structure associated with maintaining explanatory text; and

providing, by the computing systems for auditory output via a speaker associated with a user device of the requestor, the electronic consumer credit analysis including for at least one of the plurality of credit categories;

explanatory text associated with the credit category, the aggregated high scorers score for the credit category, and consumer credit data associated with the requestor for the credit category, wherein the one or more computer systems are configured to respond to user input associated with the electronic consumer credit analysis, the user input comprising voice commands received from the user device of the requestor.

2. The computer-implemented method of claim 1, wherein demographic information comprises one or more of:

an age, a gender, an employment status, or a net worth, and wherein geographic information comprises one or more of;

a neighborhood, a city, a county, a state, or a country.

3. The computer-implemented method of claim 1, wherein the request identifies demographic and/or geographic information indicated by the requestor.

4. The computer-implemented method of claim 3, wherein the request identifies a zip code provided by the requestor, and wherein the geographic information is a location associated with the zip code.

5. The computer-implemented method of claim 1, further comprising:

automatically determining, from consumer credit data associated with the requestor, demographic and/or geographic information associated with the requestor.

6. The computer-implemented method of claim 5, wherein the consumer credit data associated with the requestor identifies an address of the requestor, and wherein determining geographic information comprises determining that the geographic information identifies a same state as the address of the requestor.

7. A non-transitory computer storage media storing instructions that when executed by a system of one or more computers cause the system to perform operations comprising:

receiving, by the system, one or more voice commands from a requestor;

triggering, based on the one or more voice commands, a request for an electronic consumer credit analysis;

accessing, from one or more electronic data stores, consumer credit data associated with a plurality of consumers with each of the consumers being associated with a same demographic and/or geographic information as the requestor, wherein the requestor is one of the plurality of consumers;

designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;

obtaining, for each of a plurality of credit categories, an aggregated high scorers score indicative of consumer credit data associated with the plurality of high scorers;

accessing a data structure associated with maintaining explanatory text; and

providing, by the system for auditory output via a speaker associated with a user device of the requestor, the electronic consumer credit analysis including for at least one of the plurality of credit categories;

explanatory text associated with describing the credit category, the aggregated high scorers score for the credit category, and consumer credit data associated with the requestor for the credit category,

wherein the one or more computer systems are configured to respond to user input associated with the electronic consumer credit analysis, the user input comprising voice commands received from the user device of the requestor.

8. The non-transitory computer storage media of claim 7, wherein demographic information comprises one or more of:

an age, a gender, an employment status, or a net worth, and wherein geographic information comprises one or more of;

a neighborhood, a city, a county, a state, or a country.

9. The non-transitory computer storage media of claim 7, wherein the request identifies demographic and/or geographic information indicated by the requester.

10. The non-transitory computer storage media of claim 9, wherein the request identifies a zip code provided by the requestor, and wherein the geographic information is a location associated with the zip code.

11. The non-transitory computer storage media of claim 7, wherein the operations further comprise:

automatically determining, from consumer credit data associated with the requestor, demographic and/or geographic information associated with the requestor.

12. The non-transitory computer storage media of claim 11, wherein the consumer credit data associated with the requestor identifies an address of the requestor, and wherein determining geographic information comprises determining that the geographic information identifies a same state as the address of the requestor.

13. A system comprising one or more processors and non-transitory computer storage media storing instructions that when executed by the one or more processors, cause the one or more processors to perform operations comprising:

receiving one or more voice commands from a requestor;

triggering, based on the one or more voice commands, a request for an electronic consumer credit analysis;

accessing, from one or more electronic data stores, consumer credit data associated with a plurality of consumers with each of the consumers being associated with a same demographic and/or geographic information as the requestor, wherein the requestor is one of the plurality of consumers;

designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;

obtaining, for each of a plurality of credit categories, an aggregated high scorers score indicative of consumer credit data associated with the plurality of high scorers;

accessing a data structure associated with maintaining explanatory text; and

providing, for auditory output via a speaker associated with a user device of the requestor, the electronic consumer credit analysis including for at least one of the plurality of credit categories;

explanatory text associated with the credit category, the aggregated high scorers score for the credit category, and consumer credit data associated with the requestor for the credit category, wherein the one or more processors are configured to respond to user input associated with the electronic consumer credit analysis, the user input comprising voice commands received from the user device of the requestor.