Systems and methods of on-line credit information monitoring and control
First Claim
1. A computing system for on-line monitoring and on-line interaction and control of credit information from a credit report of a consumer of credit, the system comprising:
- one or more hardware processors configured to execute instructions in order to cause the computing system to;
access credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service;
provide a user interface comprising a plurality of active links, each one of said active links being associated with a respective one of the plurality of credit items, wherein each of said active links is configured to enable the consumer to communicate directly with one of the credit services regarding one of the credit items associated with the active link; and
transmit the user interface to a computer of the consumer.
1 Assignment
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Accused Products
Abstract
Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.
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Citations
31 Claims
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1. A computing system for on-line monitoring and on-line interaction and control of credit information from a credit report of a consumer of credit, the system comprising:
one or more hardware processors configured to execute instructions in order to cause the computing system to; access credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service; provide a user interface comprising a plurality of active links, each one of said active links being associated with a respective one of the plurality of credit items, wherein each of said active links is configured to enable the consumer to communicate directly with one of the credit services regarding one of the credit items associated with the active link; and transmit the user interface to a computer of the consumer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method of providing credit information to a user computer, the method comprising:
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receiving, at a computing system, a request from a user computer, the request comprising identifying information relating to an individual; gathering credit-related data associated with the individual based on receiving the identifying information relating to the individual, the credit-related data comprising one or more credit items associated with credit services; constructing user interface data based on the gathered credit-related data, the user interface data configured to cause the display of a user interface comprising a plurality of links associated with a plurality of credit items, each of the plurality of links being configured to initiate a communication between the user computer and a credit service associated with a respective credit item associated with the link; and transmitting the user interface data to the user computer. - View Dependent Claims (21, 22, 23, 24, 25)
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26. A method of automatically monitoring an individual'"'"'s credit information, the method comprising:
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receiving, at a computing system, a request to monitor credit information associated with an individual, the request comprising identifying information relating to the individual; initiating a monitoring service in response to the received request, wherein initiating a monitoring service comprises periodically gathering, from a credit data repository, credit information associated with the individual based at least in part on the identifying information relating to the individual, the credit information comprising one or more credit items associated with credit issuers; identifying a change in the credit information received from the credit data repository; and providing an online alert message to the individual, the online alert message comprising data associated with the identified change in the credit information, the online alert message comprising a plurality of links associated with the credit items, each of the plurality of links being configured initiate a communication between the individual and a credit issuer associated with a respective credit item, the online alert message further configured to provide the user with information usable to communicate with the credit data repository. - View Dependent Claims (27, 28, 29, 30, 31)
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Specification