Systems and methods for notifying a consumer of changes made to a credit report
First Claim
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1. A system for monitoring modifications on a plurality of elements in a credit reporting database, the modifications being at least partially definable by a user, the system comprising:
- at least one server storing at least part of the credit reporting database, the credit reporting database having a plurality of entries, at least one of the entries having a plurality of elements, wherein each element can be modified by a datum collected from at least one financial entity; and
at least one computer program residing in a computer-readable memory in the server, the computer program adapted to continuously monitor the elements of the credit reporting database for modifications to at least one element selected by the user;
wherein the system is capable of generating a credit report for the user and when at least one of said modifications occurs, sending a notification to the user substantially contemporaneously with when said at least one modification occurs, to the user that at least one modification has occurred.
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Accused Products
Abstract
A system and method for monitoring unauthorized changes to a database and providing a notification to a user according to preferences set by the user. The user can select one or more data entries within a database to be monitored. When these data entries are changed, a notification is sent to the user.
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Citations
86 Claims
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1. A system for monitoring modifications on a plurality of elements in a credit reporting database, the modifications being at least partially definable by a user, the system comprising:
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at least one server storing at least part of the credit reporting database, the credit reporting database having a plurality of entries, at least one of the entries having a plurality of elements, wherein each element can be modified by a datum collected from at least one financial entity; and at least one computer program residing in a computer-readable memory in the server, the computer program adapted to continuously monitor the elements of the credit reporting database for modifications to at least one element selected by the user; wherein the system is capable of generating a credit report for the user and when at least one of said modifications occurs, sending a notification to the user substantially contemporaneously with when said at least one modification occurs, to the user that at least one modification has occurred. - View Dependent Claims (2, 3, 4, 5)
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6. A method for monitoring modifications on a plurality of credit related data elements in a credit reporting database, wherein the plurality of credit related data elements in the credit reporting database are collected from at least one financial entity, the modifications being at least partially definable by a user, the method comprising:
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obtaining a selection of at least one credit related data element from the user; continuously monitoring the at least one credit related data element selected by the user; and responsive to a change to the at least one credit related data element, notifying the user substantially contemporaneously with when the change occurs about the change to the at least one credit related data element. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13)
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14. A method for monitoring changes on a plurality of credit related data elements in a credit reporting database, wherein the plurality of credit related data elements in the credit reporting database are collected from a plurality of financial institutions, the changes being at least partially definable by a user, the method comprising:
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allowing the user to make a selection of at least one credit related data element to watch; generating a credit file of the user, the credit file having the plurality of credit related data elements from the credit reporting database; continuously monitoring and comparing the plurality of credit related data elements in the credit file with the selection; and responsive to the selection having a credit related data element that is in the credit file, notifying the user substantially contemporaneous with when the credit related data element is detected in the credit file. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21)
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22. A method of monitoring changes to at least one credit related data element of a credit reporting database, the method comprising:
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inputting a selection of the at least one credit related data element in a credit file of a user for continuous monitoring; providing a destination; generating a notification to the user substantially contemporaneously with when a change is detected; receiving the notification at the destination; and reviewing the change. - View Dependent Claims (23, 24, 25)
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26. A computer-readable medium on which is stored a computer program for monitoring data modifications in a credit reporting database, wherein the data in the credit reporting database are collected from a plurality of financial institutions, the computer program comprising instructions, which when executed by a computer perform the following:
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continuously monitoring at least a portion of data in the credit reporting database; detecting data changes in the credit reporting database that are in a credit file of a user; identifying a customer, the customer being the user; notifying the customer substantially contemporaneously with when the changes are detected about the changed data; and displaying the changed data to the customer. - View Dependent Claims (27, 28, 29, 30)
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31. A method for providing credit modification monitoring service to a user, the method comprising:
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subscribing to the credit modification monitoring service; selecting a method of notification, wherein the method of notification comprises communication to the user substantially contemporaneous with when a change to at least one credit-related data element associated with the user is detected; selecting at least one credit-related data element associated with the user for continuous monitoring; and providing a method of payment. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39, 40)
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41. A system for monitoring modifications to a credit reporting database, the modifications being at least partially definable by a user, the system comprising:
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at least one server storing at least part of the credit reporting database, the credit reporting database having a plurality of entries, at least one of the entries having a plurality of elements, wherein each element can be modified by a datum collected from a plurality of credit reporting agencies; and at least one computer program residing in a computer-readable memory in the server, the at least one computer program adapted to continuously monitor the modifications to at least one element selected by the user, report when at least a first modification to the at least one element occurs, send a notification substantially contemporaneously with when the first modification to the at least one element occurs, to the user that a first modification has occurred, report when at least a second modification to the at least one element occurs, and send a notification substantially contemporaneously with when the second modification to the at least one element occurs, to the user that the second modification has occurred. - View Dependent Claims (42, 43, 44, 45, 46)
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47. A method for monitoring modifications on a plurality of credit related data elements in a credit reporting database, wherein the plurality of credit related data elements in the credit reporting database are collected from a plurality of financial institutions, the modifications being at least partially definable by a user, the method comprising:
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obtaining a selection of at least one credit related data element from the user; continuously monitoring the at least one credit related data element selected by the user; notifying the user about a first modification to the at least one credit related data element substantially contemporaneously with when the first modification occurs; and notifying the user about a second modification to the at least one credit related data element substantially contemporaneously with when the second modification occurs. - View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55)
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56. A method for monitoring changes on a plurality of credit related data elements in a credit reporting database, wherein the plurality of credit related data elements in the credit reporting database are collected from at least one financial entity, the changes being at least partially definable by a user, the method comprising:
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allowing the user to make a selection of at least one credit related data element to watch; generating a credit file of the user, the credit file having the plurality of credit related data elements from the credit reporting database; comparing the plurality of credit related data elements in the credit file with the selection to determine if the at least one credit related data element that was selected has been modified; and responsive to the selection having a first modification of credit related data element that is in the credit file, notifying the user substantially contemporaneously with when the first modification of credit related data element is detected in the credit file; responsive to the selection having a second modification of credit related data element that is detected in the credit file, notifying the user substantially contemporaneously with when the second modification of credit related data element is detected in the credit file. - View Dependent Claims (57, 58, 59, 60, 61, 62, 63, 64)
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65. A method of monitoring changes to at least one credit related data element in a credit file of a user of a credit reporting database, the method comprising:
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inputting a selection of the at least one credit related data element for continuously monitoring; providing a destination; generating a first notification to the user substantially contemporaneously with when a first change to the at least one credit related data element is detected; receiving the first notification at the destination; generating a second notification substantially contemporaneously with when a second change to the at least one credit related data element is detected; receiving the second notification at the destination; and reviewing the changes. - View Dependent Claims (66, 67, 68, 69)
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70. A computer-readable medium on which is stored a computer program for monitoring data modifications in a credit reporting database, wherein the data in the credit reporting database are collected from a plurality of financial institutions, the computer program comprising instructions, which when executed by a computer perform the following:
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detecting data changes in the credit reporting database that are in a credit file of a user, wherein the data changes comprise at least a first change and a second change; identifying a customer, the customer being a the user; notifying the customer substantially contemporaneously with when data changes are detected; and displaying the data changes to the customer. - View Dependent Claims (71, 72, 73, 74, 75)
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76. A method for providing credit modification monitoring service to a user, the method comprising:
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subscribing to the credit modification monitoring service; selecting a method of notification, wherein the method of notification comprises communication to the user substantially contemporaneously with when a first change to at least one credit-related data element is detected, and further comprises communication to the user substantially contemporaneously with when a second change to the at least one credit-related data element is detected; selecting at least one credit-related data element associated with the user for continuously monitoring; and providing a method of payment. - View Dependent Claims (77, 78, 79, 80, 81, 82, 83, 84, 85, 86)
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Specification