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Tradeline fingerprint

  • US 10,497,055 B2
  • Filed: 09/26/2016
  • Issued: 12/03/2019
  • Est. Priority Date: 02/23/2012
  • Status: Active Grant
First Claim
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1. A method comprising:

  • creating, by a computer-based system and using a fingerprinting function, a mathematical representation of tradeline data associated with a primary debtor;

    processing, by the computer-based system and using the fingerprinting function, data points from the tradeline data to yield a tradeline fingerprint associated with the primary debtor,wherein the fingerprinting function comprises at least one of;

    a hash function, a checksum function, or a randomization function,creating, by the computer-based system and using the fingerprinting function, a mathematical representation of the tradeline data associated with a secondary debtor;

    processing, by the computer-based system and using the fingerprinting function, data points from the tradeline data to yield a tradeline fingerprint associated with the secondary debtor;

    comparing, by the computer-based system, the tradeline fingerprint associated with the primary debtor and the tradeline fingerprint associated with the secondary debtor;

    determining, by the computer-based system, that the tradeline fingerprint associated with the primary debtor matches the tradeline fingerprint associated with the secondary debtor;

    determining, by the computer-based system and in response to determining the match, that the primary debtor and the secondary debtor are associated with the same tradeline fingerprint;

    determining, by the computer-based system, a debtor entity based on the match; and

    providing, by the computer-based system, at least one of a product or service to the debtor entity, based upon the tradeline fingerprint of the primary debtor and spending patterns of the primary debtor.

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