USER CONFIGURABLE TRADE LINE REPORTING AND SCORING

• US 20150199757A1
• Filed: 12/22/2014
• Published: 07/16/2015
• Est. Priority Date: 01/14/2014
• Status: Abandoned Application

• Current Assignee: Ecredable.Com, LLC
• Original Assignee: Ecredable.Com, LLC
• Inventors: Lindholme, Terron Roy, Moore, Robert McCutchen, Ely, Steven Paul
• Application Number:
  US14/579,547
• Publication Number:
  US 20150199757A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Disclosed are various embodiments for a payment verification application executable in a computing environment having a hardware processor configured to obtain payment history data for a user of a client device over a network. The payment history data may comprise information associated with a plurality of payments made by the user to an entity. Further, the payment verification application verifies the payments to ensure that each of the plurality of payments satisfied an obligation owed to the entity by the user and generates a reporting document comprising at least the plurality of payments verified. The reporting document is electronically transmitted over a network to a receiving computing device via a web service.

Claims

1. A non-transitory computer-readable medium embodying a program executable in at least one computing device, comprising:

code that accesses a first web service offered by an entity over a network to obtain payment history data for a user of a client device, the payment history data comprising at least information associated with a plurality of payments made by the user to the entity, the client device in data communication with the at least one computing device over the network;

code that generates a user interface to send to the client device comprising at least the plurality of payments for rendering a display of the client device;

code that receives user input comprising a selection of a subset of the plurality of payments, the user input obtained via the user interface rendered in the display of the client device;

code that authenticates the subset of the plurality of payments to verify each of the plurality of payments in the subset satisfied an obligation owed to the entity by the user;

code that generates a reporting document comprising at least the subset of the plurality of payments authenticated; and

code that transmits the reporting document over a second web service associated with a credit bureau.

2. The non-transitory computer-readable medium of claim 1, wherein the program further comprises code that generates a credit metric based at least in part on the plurality of payments authenticated.

3. The non-transitory computer-readable medium of claim 2, wherein the reporting document further comprises the credit metric.

4. A system, comprising:

at least one computing device comprising processing hardware in data communication with a client computing device over a network; and

a payment verification application executed in the at least one computing device, the payment verification application comprising;

logic that obtains payment history data for a user of the client computing device over the network via a first application programming interface, the payment history data comprising at least information associated with a plurality of payments made by the user to an entity;

logic that verifies that each of the plurality of payments satisfied an obligation owed to the entity by the user;

logic that generates a reporting document comprising at least the plurality of payments verified; and

logic that transmits the reporting document via an electronic communication medium to a computing device via a second application programming interface.

5. The system of claim 4, wherein the second application programming interface is associated with a credit agency.

6. The system of claim 4, wherein the payment verification application further comprises logic that generates a credit metric based at least in part on the plurality of payments verified.

7. The system of claim 4, wherein the reporting document further comprises the credit metric.

8. The system of claim 4, wherein the payment verification application further comprises logic that generates user interface data to send to the client computing device, the user interface data comprising data configured to generate a user interface comprising at least the plurality of payments.

9. The system of claim 8, wherein the payment verification application further comprises logic that receives user input comprising a selection of a subset of the plurality of payments, the user input obtained via the user interface rendered in the display of the client computing device.

10. The system of claim 9, wherein the payment verification application further comprises logic that authenticates the subset of the plurality of payments to verify each of the plurality of payments in the subset satisfied the obligation owed to the entity by the user.

11. The system of claim 10, wherein the reporting document further comprises at least the subset of the plurality of payments authenticated.

12. The system of claim 11, wherein the reporting document further comprises consumer identification information associated with the user.

13. A computer-implemented method, comprising:

obtaining, by at least one computing device comprising at least one hardware processor, payment history data for a user of a client device over a network, the payment history data comprising at least information associated with a plurality of payments made by the user to an entity;

verifying, by the at least one computing device, the plurality of payments to ensure that each of the plurality of payments satisfied an obligation owed to the entity by the user;

generating, by the at least one computing device, a reporting document comprising at least the plurality of payments verified; and

transmitting, by the at least one computing device, the reporting document via an electronic communication medium over the network to a receiving computing device associated with a credit bureau.

14. The computer-implemented method of claim 13, wherein the computing device is associated with a credit agency.

15. The computer-implemented method of claim 13, wherein the payment verification application further comprises logic that generates a credit metric based at least in part on the plurality of payments verified.

16. The computer-implemented method of claim 13, wherein the reporting document further comprises the credit metric.

17. The computer-implemented method of claim 13, wherein the payment verification application further comprises logic that generates user interface data to send to the client device, the user interface data comprising data configured to generate a user interface comprising at least the plurality of payments.

18. The computer-implemented method of claim 13, wherein the payment verification application further comprises:

logic that receives user input comprising a selection of a subset of the plurality of payments, the user input obtained via the user interface rendered in the display of the client device; and

logic that authenticates the subset of the plurality of payments to verify each of the plurality of payments in the subset satisfied the obligation owed to the entity by the user.

19. The system of claim 18, wherein the reporting document further comprises at least the subset of the plurality of payments authenticated.

20. The system of claim 19, wherein the reporting document further comprises consumer identification information associated with the user.