Systems and methods of presenting simulated credit score information

• US 10,565,643 B2
• Filed: 02/10/2017
• Issued: 02/18/2020
• Est. Priority Date: 05/30/2002
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Rohn, Janice Anne, Fegel, Julia E., Mahacek, Jeffrey Bryan, Burger, Michael
• Primary Examiner(s): Vyas, Abhishek
• Application Number:
  US15/429,592
• Publication Number:
  US 20170228820A1
• Time in Patent Office: 1,103 Days
• CPC Class Codes: G06F 3/04847 Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.

Claims

1. A system for automatically calculating credit score simulation information associated with a user, the system comprising:

a credit simulator server comprising one or more hardware processors configured to;

access first credit data of a first user from an electronic data warehouse storing credit data of a plurality of users;

calculate a plurality of simulated credit scores associated with a corresponding predefined plurality of credit score simulation scenarios, each credit score simulation scenario associated with respective credit score simulation parameters,

wherein the plurality of simulated credit scores are based on the first credit data of the first user and the credit score simulation parameters associated with the respective credit score simulation scenario;

construct user interface data including a listing of the plurality of credit score simulation scenarios and the corresponding plurality of simulated credit scores calculated for the credit score simulation scenarios; and

transmit the constructed user interface data to a computing device; and

the computing device comprising a display and one or more hardware processors configured to;

display the constructed user interface data on the display;

detect selection of a first user interface control associated with a first predefined credit score simulation scenario of the plurality of credit score simulation scenarios;

in response to selection of the first user interface control, determine whether a first expanded scenario information corresponding to the first predefined credit score simulation scenario is cached on the computing device, the first expanded scenario information including one or more additional simulated credit scores based on the first credit data of the first user; and

in response to determining that the first expanded scenario information is not cached on the computing device, transmitting a request to the credit simulation server for the first expanded scenario information corresponding to the first predefined credit score simulation scenario.

2. The system of claim 1, wherein the first expanded scenario information includes a first time frame in spatial relation with a first simulated credit score, a second time frame in spatial relation with a second simulated credit score, wherein the second time frame is longer than the first time frame.

3. The system of claim 1, wherein the constructed user interface data includes a plurality of graphical indications in spatial relationship for each one of the respective listing of the plurality of credit score simulation scenarios, wherein the graphical indications indicate positive, neutral, or negative effect on credit scores.

4. The system of claim 1, wherein the listing of the plurality of credit score simulations scenarios are arranged in an order by the associated simulated credit scores and with respect to a current credit score of the user.

5. A system for automatically calculating credit score simulation information associated with a user and constructing a user interface for display of the credit score simulation information, the system comprising:

a credit simulator server comprising one or more hardware processors configured to;

access first credit data corresponding to a first user from an electronic data warehouse storing credit data of a plurality of users;

calculate a current credit score of the first user based on the first credit data;

calculate a plurality of simulated credit scores associated with a corresponding predefined plurality of credit score simulation scenarios, each credit score simulation scenario associated with respective credit score simulation parameters, wherein the plurality of simulated credit scores are based on the first credit data of the first user and the credit score simulation parameters associated with the respective credit score simulation scenario;

construct user interface data configured for execution by a first user computing device to;

for each of the plurality of credit score simulation scenarios, display a textual description and the corresponding calculated simulated credit score;

display a first graphical differentiation of a first one or more of the simulated credit scores that are greater than the current credit score of the user;

display a second graphical differentiation of a second one or more of the simulated credit scores that are not greater than the current credit score of the user, and

display interactive user interface controls in spatial relation to respective predefined credit score simulation scenarios;

in response to selection of a first user interface control associated with a first predefined credit score simulation scenario, update the user interface to show first expanded scenario information associated with the first predefined credit score simulation scenario, the first expanded scenario information positioned adjacent the first predefined credit score simulation scenario and indicating one or more additional simulated credit scores based on the first credit data of the first user;

in response to selection of the first user interface control associated with the first predefined credit score simulation scenario with the first expanded scenario information displayed, update the user interface to hide the first expanded scenario information associated with the first predefined credit score simulation scenario; and

transmit the constructed user interface data to the first user computing device.

6. The system of claim 5, wherein the first expanded scenario information indicates a first time frame in spatial relation with a first simulated credit score, a second time frame in spatial relation with a second simulated credit score, wherein the second time frame is longer than the first time frame.

7. The system of claim 5, wherein the first graphical differentiation and the second graphical differentiation are arranged in an order by the associated simulated credit scores and with respect to the current credit score of the user.

8. The system of claim 5, wherein the user interface data includes hidden data displayed in response to user input.

9. The system of claim 5, wherein the first expanded scenario information includes one or more user input controls to receive one or more score simulation parameters associated with the corresponding first predefined credit score simulation scenario.

10. The system of claim 9, wherein at least one of the additional simulated credit scores is further based on the one or more score simulation parameters receive via the user input controls.

11. A computerized method, performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage device storing software instructions executable by the computing system to perform the computerized method comprising:

accessing first credit data corresponding to a first user from an electronic data warehouse storing credit data of a plurality of users;

calculating a current credit score of the first user based on the first credit data;

calculating a plurality of simulated credit scores associated with a corresponding predefined plurality of credit score simulation scenarios, each credit score simulation scenario associated with respective credit score simulation parameters, wherein the plurality of simulated credit scores are based on the first credit data of the first user and the credit score simulation parameters associated with the respective credit score simulation scenario;

constructing user interface data configured for execution by a first user computing device to;

for each of the plurality of credit score simulation scenarios, display a textual description and the corresponding calculated simulated credit score;

display a first graphical differentiation of a first one or more of the simulated credit scores that are greater than the current credit score of the user;

display a second graphical differentiation of a second one or more of the simulated credit scores that are not greater than the current credit score of the user, and

display interactive user interface controls in spatial relation to respective predefined credit score simulation scenarios;

in response to selection of a first user interface control associated with a first predefined credit score simulation scenario, update the user interface to show first expanded scenario information associated with the first predefined credit score simulation scenario, the first expanded scenario information positioned adjacent the first credit score simulation scenario and indicating one or more additional simulated credit scores based on the first credit data of the first user;

in response to selection of the first user interface control associated with the first predefined credit score simulation scenario with the first expanded scenario information displayed, update the user interface to hide the first expanded scenario information associated with the first predefined credit score simulation scenario; and

transmitting the constructed user interface data to the first user computing device.

12. The computerized method of claim 11, wherein the first expanded scenario information indicates a first time frame in spatial relation with a first simulated credit score, a second time frame in spatial relation with a second simulated credit score, wherein the second time frame is longer than the first time frame.

13. The computerized method of claim 11, wherein the first graphical differentiation and the second graphical differentiation are arranged in an order by the associated simulated credit scores and with respect to the current credit score of the user.

14. The computerized method of claim 11, wherein the user interface data includes hidden data displayed in response to user input.

15. The computerized method of claim 11, wherein the first expanded scenario information includes one or more user input controls to receive one or more score simulation parameters associated with the corresponding first predefined credit score simulation scenario.

16. The computerized method of claim 15, wherein at least one of the additional simulated credit scores is further based on the one or more score simulation parameters receive via the user input controls.