Database system for triggering event notifications based on updates to database records

• US 10,528,545 B1
• Filed: 05/22/2017
• Issued: 01/07/2020
• Est. Priority Date: 09/27/2007
• Status: Active Grant

• Current Assignee: Experian Information Solutions Incorporated (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Girulat, Jr., Rollin M.
• Primary Examiner(s): Channavajjala, Srirama
• Application Number:
  US15/601,286
• Time in Patent Office: 960 Days
• CPC Class Codes: G06F 16/211 Schema design and management
• CPC Class Codes: G06F 16/215 Improving data quality; Data cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors
• CPC Class Codes: G06F 16/219 Managing data history or versioning querying versioned data G06F16/2474; querying temporal data G06F16/2477
• CPC Class Codes: G06F 16/2358 Change logging, detection, and notification replication G06F16/27
• CPC Class Codes: G06F 16/2379 Updates performed during online database operations; commit processing
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A data processing system is disclosed for accessing databases and updated data items and triggering event notifications. The data processing system may comprise a first database including a plurality of records, and a second database including a plurality of trigger indicators. The database system may further include a hardware processor configured to execute computer-executable instructions in order to: receive an update data item; identify a record corresponding to the update data item; cause an update to the record based on information included with the update data item; identify a trigger indicator corresponding to the update to the record; determine that a type of the trigger indicator matches a type of the update to the record; and generate an event notification including information included in the update.

Claims

1. A computer system comprising:

one or more computer readable storage mediums configured to store;

software instructions, and

database records for a plurality of individual users, wherein each of the database records is associated with a respective individual; and

one or more processors configured to execute the software instructions to cause the computer system to;

determine one or more rules based on one or more types of changes indicated by a requesting entity, the one or more types of changes including at least a first type of change or a second type of change;

receive a request to monitor a particular individual including a particular database record associated with the particular individual, wherein the particular database record of the particular individual is associated with at least a current database record of the particular individual and a historical database record of the particular individual, wherein the request includes;

an identification of the particular individual usable to identify the particular database record associated with the particular individual;

access the historical database record of the particular individual, wherein;

the historical database record was created at a first point in time indicated by a first timestamp of the historical database record, and

the historical database record includes information indicating any accounts of the particular individual at the first point in time;

access the current database record of the particular individual, wherein;

 

the current database record was created at a second point in time indicated by a second timestamp of the current database record,

 

the second point in time is later than the first point in time, and

 

the current database record includes information indicating any accounts of the particular individual at the second point in time;

compare the historical database record with the current database record to determine a change of information between the historical database record and the current database record;

apply the one or more rules to determine whether any of the one or more types of changes are matched to a type of the change of information between the historical database record and the current database record; and

in response to determining that the first type of change or the second type of change indicated by the requesting entity is matched by application of the one or more rules;

automatically generate an electronic alert indicating that the determined first type of change or second type of change matching the one or more rules has been detected for the particular individual; and

transmit the electronic alert to a computing system associated with the requesting entity.

2. The computer system of claim 1, wherein the request further includes at least a name and address associated with the particular individual.

3. The computer system of claim 1, wherein the first point in time and the second point in time are separated by at least one of:

one day, one week, one month, two months, three months, four month, six months, one year, two years, or five years.

4. The computer system of claim 1, wherein the one or more processors are configured to execute the software instructions to further cause the computer system to:

determine a historical score associated with the historical database record of the particular individual, wherein the historical score is associated with the first timestamp;

determine a current score associated with the current database record of the particular individual, wherein the current score is associated with the second timestamp;

determine a score difference between the historical score and the current score; and

compare the score difference to a threshold score difference indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining both that;

the first type of change or second type of change is matched, and

the score difference satisfies the threshold score difference indicated by the one or more rules.

5. The computer system of claim 4, wherein the one or more processors are configured to execute the software instructions to further cause the computer system to:

apply the one or more rules to determine that a specific change to the database record matches a specific change indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining that;

the first type of change or second type of change is matched,

the score difference satisfies the threshold score difference indicated by the one or more rules, and

the specific change matches the specific change indicated by the one or more rules.

6. A computer-implemented method comprising:

by one or more processors executing software instructions;

one or more computer readable storage mediums configured to store;

accessing database records for a plurality of individual users, wherein each of the database records is associated with a respective individual;

determining one or more rules based on one or more types of changes indicated by a requesting entity, the one or more types of changes including at least a first type of change or a second type of change;

receiving a request to monitor a particular individual including a particular database record associated with the particular individual, wherein the particular database record of the particular individual is associated with at least a current database record of the particular individual and a historical database record of the particular individual, wherein the request includes;

an identification of the particular individual usable to identify the particular database record associated with the particular individual;

accessing the historical database record of the particular individual, wherein;

the historical database record was created at a first point in time indicated by a first timestamp of the historical database record, and

the historical database record includes information indicating any accounts of the particular individual at the first point in time;

accessing the current database record of the particular individual, wherein;

the current database record was created at a second point in time indicated by a second timestamp of the current database record,

the second point in time is later than the first point in time, and

the current database record includes information indicating any accounts of the particular individual at the second point in time;

comparing the historical database record with the current database record to determine a change of information between the historical database record and the current database record;

applying the one or more rules to determine whether any of the one or more types of changes are matched to a type of the change of information between the historical database record and the current database record; and

in response to determining that the first type of change or the second type of change indicated by the requesting entity is matched by application of the one or more rules;

automatically generating an electronic alert indicating that the determined first type of change or second type of change matching the one or more rules has been detected for the particular individual; and

transmitting the electronic alert to a computer system associated with the requesting entity.

7. The computer-implemented method of claim 6, wherein the request further includes at least a name and address associated with the particular individual.

8. The computer-implemented method of claim 6, wherein the first point in time and the second point in time are separated by at least one of:

one day, one week, one month, two months, three months, four month, six months, one year, two years, or five years.

9. The computer-implemented method of claim 6 further comprising:

by the one or more processors executing software instructions;

determining a historical score associated with the historical database record of the particular individual, wherein the historical score is associated with the first timestamp;

determining a current score associated with the current database record of the particular individual, wherein the current score is associated with the second timestamp;

determining a score difference between the historical score and the current score; and

comparing the score difference to a threshold score difference indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining both that;

the first type of change or second type of change is matched, and

the score difference satisfies the threshold score difference indicated by the one or more rules.

10. The computer-implemented method of claim 9 further comprising:

by the one or more processors executing software instructions;

applying the one or more rules to determine that a specific change to the database record matches a specific change indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining that;

the first type of change or second type of change is matched,

the score difference satisfies the threshold score difference indicated by the one or more rules, and

the specific change matches the specific change indicated by the one or more rules.

11. A computer system comprising:

one or more computer readable storage mediums configured to store;

software instructions, and

database records for a plurality of individual users, wherein the database records are associated with respective individuals; and

one or more processors configured to execute the software instructions to cause the computer system to;

receive a request to monitor a particular individual including a particular database record associated with the particular individual, wherein the particular database record is associated with at least a current database record of the particular individual and a historical database record of the particular individual, wherein the request includes;

an identification of the particular individual usable to identify the particular database record associated with the particular individual, and

one or more rules indicating particular types of changes to database records that are to cause an electronic alert;

access the historical database record of the particular individual, wherein;

the historical database record was created at a first point in time indicated by a first timestamp of the historical database record, and

the historical database record includes information indicating any accounts of the particular individual at the first point in time;

access the current database record of the particular individual, wherein;

the current database record was created at a second point in time indicated by a second timestamp of the current database record,

the second point in time is later than the first point in time, and

the current database record includes information indicating any accounts of the particular individual at the second point in time;

compare the historical database record of the particular individual to the current database record of the particular individual to determine whether information indicating accounts of the particular individual has changed between the first point in time and the second point in time;

in response to determining that information indicating accounts of the particular individual has changed between the first point in time and the second point in time;

identify at least a first type of change or a second type of change to information indicating accounts of the particular individual between the historical database record at the first point in time and the current database record at the second point in time; and

determine whether the first type of change or second type of change matches any of the particular types of changes included in the one or more rules received from the first user; and

in response to determining that the first type of change or second type of change matches any of the particular types of changes;

automatically generate an electronic alert, wherein the electronic alert indicates the determined first type of change or second type of change between the historical database record of the particular individual and the current database record of the particular individual; and

transmit the electronic alert to another computer system.

12. The computer system of claim 11, wherein the request further includes at least a name and address associated with the particular individual.

13. The computer system of claim 11, wherein the first point in time and the second point in time are separated by at least one of:

one day, one week, one month, two months, three months, four month, six months, one year, two years, or five years.

14. The computer system of claim 11, wherein the one or more processors are configured to execute the software instructions to further cause the computer system to:

determine a historical score associated with the historical database record of the particular individual, wherein the historical score is associated with the first timestamp;

determine a current score associated with the current database record of the particular individual, wherein the current score is associated with the second timestamp;

determine a score difference between the historical score and the current score; and

compare the score difference to a threshold score difference indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining both that;

the first type of change or second type of change matches any of the particular types of changes, and

the score difference satisfies the threshold score difference indicated by the one or more rules.

15. The computer system of claim 14, wherein the one or more processors are configured to execute the software instructions to further cause the computer system to:

apply the one or more rules to determine that a specific change to the database record matches a specific change indicated by the one or more rules,

wherein automatically generating and transmitting the electronic alert are performed in response to determining that;

the first type of change or second type of change matches any of the particular types of changes,

the score difference satisfies the threshold score difference indicated by the one or more rules, and

the specific change matches the specific change indicated by the one or more rules.