Tradeline fingerprint
First Claim
Patent Images
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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Abstract
Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
284 Citations
20 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer-based system comprising:
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a non-transitory memory communicating with a processor, the non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; creating, using a fingerprinting function, a mathematical representation of tradeline data associated with a primary debtor; processing, 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, using the fingerprinting function, a mathematical representation of the tradeline data associated with a secondary debtor; processing, using the fingerprinting function, data points from the tradeline data to yield a tradeline fingerprint associated with the secondary debtor; comparing the tradeline fingerprint associated with the primary debtor and the tradeline fingerprint associated with the secondary debtor; determining that the tradeline fingerprint associated with the primary debtor matches the tradeline fingerprint associated with the secondary debtor; determining, in response to determining the match, that the primary debtor and the secondary debtor are associated with the same tradeline fingerprint; determining a debtor entity based on the match; and providing 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. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification