Presenting credit score information

• US 10,685,398 B1
• Filed: 04/17/2014
• Issued: 06/16/2020
• Est. Priority Date: 04/23/2013
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Olson, Gregory Thomas, Sivaji, Vijay Prakash, Yu, Nelson, Monteath, Ralph Keith
• Primary Examiner(s): Kazimi, Hani M
• Application Number:
  US14/255,366
• Time in Patent Office: 2,252 Days
• Field of Search: 705 38, 705 35
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A credit report system is provided that may generate various user interfaces for a consumer. Credit accounts may be accessed and analyzed by receiving data from one or more of the national credit bureaus. The credit report system may present account information to a consumer in the form of credit account tiles, wherein the tiles each represent an account of the consumer. The consumer may also be able to search credit accounts, sort credit accounts, view the impact of credit accounts on one or more of the consumer'"'"'s credit scores, interact with the credit accounts, make payments to credit accounts, and otherwise monitor changes to consumer'"'"'s credit accounts.

Claims

1. A computing system comprising:

one or more hardware computer processors;

one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors to cause the computing system to;

access credit data of a user;

identify a plurality of financial accounts of the user included in the accessed credit data;

for each of the plurality of financial accounts;

determine account information including a limited subset of the accessed credit data;

determine a potential impact on a credit score of the user based on an inquiry associated with the financial account, wherein, if the inquiry is dated less than a threshold time period before a current date, the potential impact is negative;

in response to determining, for a first of the plurality of financial accounts, that an associated potential impact is negative;

transmit an alert to the user;

generate a user interface comprising, for each of the plurality of financial accounts, a corresponding plurality of substantially rectangular tiles that are each independently selectable by the user, at least some of the tiles indicating;

the account information for the financial account;

an indicator of the determined potential impact on the credit score of the inquiry associated with the financial account; and

an estimated date that the inquiry will no longer negatively impact the credit score based on the threshold time period that and the date of the inquiry;

wherein the plurality of tiles are arranged according to respective determined potential impacts;

receive an indication of selection of a first tile of the plurality of tiles from a user computing device;

determine, by the one or more hardware computer processors, one or more credit events having potentially negative impacts on the credit score; and

in response to the indication of selection of the first tile, automatically generate a contextual credit menu user interface element configured to display one or more selectable links associated with the determined credit events having potentially negative impacts on the credit score, the selectable links configured to launch an application to perform one or more functions when selected by the user, the one or more functions including;

initiating a telephone call to an entity associated with the credit event;

facilitating a payment;

creating an action item for the financial account;

or

filing a dispute.

2. The computing system of claim 1, wherein the tiles are further arranged in the user interface based on at least one of credit utilization, account balance, credit limit, age of accounts, time next payment is due, amount due, or impact on credit score of a late payment associated with the respective financial accounts.

3. The computing system of claim 1, wherein each of the tiles further comprises:

a bill payment button associated with the respective identified financial account, wherein the bill payment button is configured to initiate payments to the respective financial account.

4. The computing system of claim 3, wherein the one or more functions further comprises at least one of making a payment, customizing display of account information, initiating a dispute with a creditor or credit bureau, adding a note, or customizing account alerts.

5. The computing system of claim 1, wherein the computing system is further configured to:

receive a selection of an account attribute from the user;

identify one or more of the financial accounts having the selected account attribute; and

update the generated user interface to comprise only one or more substantially rectangular tiles associated with the identified one or more of the financial accounts having the selected account attribute.

6. The computer system of claim 5, wherein the selected account attribute is one of, open accounts, closed accounts, accounts with inquiries on the credit report, revolving credit accounts, installment accounts, and accounts with a current balance.

7. The computer system of claim 1, wherein the computer system is further configured to:

receive, from the user, a search query comprising search terms;

identify one or more financial accounts related to the search terms; and

update the generated user interface to comprise only one or more substantially rectangular tiles associated with the identified one or more of the financial accounts related to the search terms.

8. The computing system of claim 1, wherein to determine the indication of the selection of the tile includes a user'"'"'s mouse hovering over a tile.

9. A computing system comprising:

one or more hardware computer processors;

one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors in order to cause the computing system to;

transmit a mobile software application to a mobile device of a consumer, the mobile software application configured for execution on the mobile device to display a first user interface including a plurality of substantially rectangular tiles;

in response to a request for second user interface data from the mobile device of the consumer;

access credit data for the consumer;

identify a plurality of financial accounts of the consumer included in the accessed credit data of the consumer;

determine account information for each of the identified financial accounts, wherein the account information includes a limited subset of the accessed credit data;

determine a potential impact on a credit score of the consumer based on a credit event, the credit event comprising an inquiry associated with the financial account and the potential impact determined at least partly based on a status of the inquiry,

wherein, if the inquiry is dated less than a threshold time period before a current date, the potential impact is negative,

wherein the credit event is still only potentially negative such that the consumer can take timely action to avoid negative impact on the credit score of the consumer;

generate the second user interface data including, for each of the plurality of identified financial accounts;

the determined account information;

an indicator of status, wherein a positive status indicates that the identified financial account positively impacts a credit score of the consumer and a negative status indicates that the identified financial account negatively impacts the credit score of the consumer; and

an estimated date that the inquiry will no longer negatively impact the credit score based on the threshold time period that the inquiry affects the credit score and the date of the inquiry;

determine an indication of a selection of the tile based on the user'"'"'s input from a user computing device;

in response to the indication of the selection of the tile, transmit the second user interface data to the mobile device, wherein the mobile software application is further configured to display, for each of the plurality of identified financial accounts, the determined account information and the indicator of status in respective substantially rectangular tiles of the first user interface; and

one or more selectable links to address credit events having potentially negative impacts on the consumer'"'"'s credit score, the selectable links configured to launch an application to perform one or more functions when selected by the user on the user computing device, the one or more functions including;

initiating a telephone call to an entity associated with the credit event;

facilitating a payment;

creating an action item for the financial account; and

filing a dispute.

10. A method performed by a computing system having one or more hardware computer processors, the method comprising:

accessing credit data of a user;

identifying a plurality of financial accounts of the user included in the accessed credit data;

for each of the plurality of financial accounts;

determining account information including a limited subset of the accessed credit data;

determining a potential impact on a credit score of the user based on an inquiry associated with the financial account, wherein, if the inquiry is dated less than a threshold time period before a current date, the potential impact is negative;

in response to determining, for a first of the plurality of financial accounts, that an associated potential impact is negative;

transmitting an alert to the user;

generating a user interface comprising, for each of the plurality of financial accounts, a corresponding plurality of substantially rectangular tiles that are each independently selectable by the user, at least some of the tiles indicating;

the account information for the financial account;

an indicator of the determined potential impact on the credit score of the inquiry associated with the financial account; and

an estimated date that the inquiry will no longer negatively impact the credit score based on the threshold time period that and the date of the inquiry;

wherein the plurality of tiles are arranged according to respective determined potential impacts;

receiving an indication of selection of a first tile of the plurality of tiles from a user computing device;

determining, by the one or more hardware computer processors, one or more credit events having potentially negative impacts on the credit score; and

in response to the indication of selection of the first tile, automatically generating a contextual credit menu user interface element configured to display one or more selectable links associated with the determined credit events having potentially negative impacts on the credit score, the selectable links configured to launch an application to perform one or more functions when selected by the user, the one or more functions including;

initiating a telephone call to an entity associated with the credit event;

facilitating a payment;

creating an action item for the financial account;

or

filing a dispute.