Systems and methods for identifying financial relationships
First Claim
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1. A method comprising:
- receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline;
parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, wherein the primary debtor data identifies a primary debtor, and wherein the secondary debtor data identifies a secondary debtor;
linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data; and
storing, by the computer-based system, the credit reporting data in a data store containing credit bureau data relating to the primary debtor and the secondary debtor.
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Abstract
Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
220 Citations
16 Claims
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1. A method comprising:
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receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline; parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, wherein the primary debtor data identifies a primary debtor, and wherein the secondary debtor data identifies a secondary debtor; linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data; and storing, by the computer-based system, the credit reporting data in a data store containing credit bureau data relating to the primary debtor and the secondary debtor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for credit data analysis, the system comprising:
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a non-transitory memory communicating with a processor for credit data analysis, the non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; receiving, by the processor, credit reporting data relating to a tradeline; parsing, by the processor, the credit reporting data to yield primary debtor data and secondary debtor data, wherein the primary debtor data identifies a primary debtor, and wherein the secondary debtor data identifies a secondary debtor; linking, by the processor, the tradeline with the primary debtor data and the secondary debtor data; and storing, by the computer-based system, the credit reporting data in a data store containing credit bureau data relating to the primary debtor and the secondary debtor. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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Specification