Method and apparatus for monitoring credit reports using a computing system implemented financial management system
First Claim
1. A computing system implemented process for monitoring credit reports comprising:
- obtaining electronic transaction data associated with a given user from two or more sources of electronic transaction data using a computing system implemented financial management system, the electronic transaction data including electronic transaction data associated with at least one credit account and electronic transaction data associated with at least one account other than a credit account, the computing system implemented financial management system having the capability to categorize the electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events;
storing the electronic transaction data obtained using the computing system implemented financial management system;
obtaining credit report credit account data for the at least one credit account from a credit report;
storing the credit report credit account data;
analyzing the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account;
detecting a transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account;
alerting the given user of the computing system implemented process for monitoring credit reports of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; and
alerting a financial institution maintaining the at least one credit account of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and apparatus for monitoring credit reports using a computing system implemented financial management system includes a process for monitoring credit reports whereby data representing various credit accounts is obtained and categorized by a computing system implemented financial management system. This computing system implemented financial management system data is then stored. A credit report is then obtained and credit report data representing the various credit account information contained in the credit report is obtained and stored. Then, the computing system implemented financial management system data and credit report data are compared and any discrepancies between the two credit data sources is brought to the attention of the user and/or included in a credit discrepancy report which is then provided to the user.
117 Citations
36 Claims
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1. A computing system implemented process for monitoring credit reports comprising:
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obtaining electronic transaction data associated with a given user from two or more sources of electronic transaction data using a computing system implemented financial management system, the electronic transaction data including electronic transaction data associated with at least one credit account and electronic transaction data associated with at least one account other than a credit account, the computing system implemented financial management system having the capability to categorize the electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic transaction data obtained using the computing system implemented financial management system; obtaining credit report credit account data for the at least one credit account from a credit report; storing the credit report credit account data; analyzing the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; detecting a transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; alerting the given user of the computing system implemented process for monitoring credit reports of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; and alerting a financial institution maintaining the at least one credit account of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computing system implemented process for monitoring credit reports comprising:
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obtaining electronic account data associated with a given user from two or more sources of electronic account data using a computing system implemented financial management system, the electronic account data including electronic account data associated with at least one credit account associated with the given user and electronic account data associated with at least one account other than a credit account associated with the given user, the computing system implemented financial management system having the capability to categorize electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic account data obtained using the computing system implemented financial management system; obtaining credit report credit account data for at least one credit account associated with the given user from a credit report; storing the credit report credit account data; analyzing the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; detecting an account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; alerting the given user of the computing system implemented process for monitoring credit reports of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; and alerting at least one financial institution maintaining at least one credit account associated with the given user of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A system for monitoring credit reports comprising:
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a computing system; and a processor executing at least part of a process for monitoring credit reports, the process for monitoring credit reports comprising; obtaining electronic transaction data associated with a given user from two or more sources of electronic transaction data using a computing system implemented financial management system, the electronic transaction data including electronic transaction data associated with at least one credit account and electronic transaction data associated with at least one account other than a credit account, the computing system implemented financial management system having the capability to categorize the electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic transaction data obtained using the computing system implemented financial management system; obtaining credit report credit account data for the at least one credit account from a credit report; storing the credit report credit account data; analyzing the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; detecting a transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; alerting the given user of the computing system implemented process for monitoring credit reports of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; and alerting a financial institution maintaining the at least one credit account of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A system for monitoring credit reports comprising:
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a computing system; and a processor executing at least part of a process for monitoring credit reports, the process for monitoring credit reports comprising; obtaining electronic account data associated with a given user from two or more sources of electronic account data using a computing system implemented financial management system, the electronic account data including electronic account data associated with at least one credit account associated with the given user and electronic account data associated with at least one account other than a credit account associated with the given user, the computing system implemented financial management system having the capability to categorize electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic account data obtained using the computing system implemented financial management system; obtaining credit report credit account data for at least one credit account associated with the given user from a credit report; storing the credit report credit account data; analyzing the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; detecting an account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; alerting the given user of the computing system implemented process for monitoring credit reports of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; and alerting at least one financial institution maintaining at least one credit account associated with the given user of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user. - View Dependent Claims (20, 21, 22, 23, 24)
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25. A computer program product for monitoring credit reports comprising:
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a computer readable medium; and computer program code, encoded on the computer readable medium, comprising computer readable instructions executed on a processor for; obtaining electronic transaction data associated with a given user from two or more sources of electronic transaction data using a computing system implemented financial management system, the electronic transaction data including electronic transaction data associated with at least one credit account and electronic transaction data associated with at least one account other than a credit account, the computing system implemented financial management system having the capability to categorize the electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic transaction data obtained using the computing system implemented financial management system; obtaining credit report credit account data for the at least one credit account from a credit report; storing the credit report credit account data; analyzing the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; detecting a transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; alerting the given user of the computing system implemented process for monitoring credit reports of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; and alerting a financial institution maintaining the at least one credit account of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account. - View Dependent Claims (26, 27, 28, 29, 30)
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31. A computer program product for monitoring credit reports comprising:
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a computer readable medium; and computer program code, encoded on the computer readable medium, comprising computer readable instructions executed on a processor for; obtaining electronic account data associated with a given user from two or more sources of electronic account data using a computing system implemented financial management system, the electronic account data including electronic account data associated with at least one credit account associated with the given user and electronic account data associated with at least one account other than a credit account associated with the given user, the computing system implemented financial management system having the capability to categorize electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic account data obtained using the computing system implemented financial management system; obtaining credit report credit account data for at least one credit account associated with the given user from a credit report; storing the credit report credit account data; analyzing the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; detecting an account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; alerting the given user of the computing system implemented process for monitoring credit reports of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user; and alerting at least one financial institution maintaining at least one credit account associated with the given user of the account discrepancy between the electronic account data associated with at least one credit account associated with the given user obtained using the computing system implemented financial management system and the credit report credit account data for at least one credit account associated with the given user. - View Dependent Claims (32, 33, 34, 35, 36)
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Specification