Systems and methods for identifying financial relationships
First Claim
Patent Images
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, wherein the credit reporting data is encapsulated in a Metro 2 format container;
parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data wherein the parsing is performed on at least one of a J1 segment, a J2 segment, and a Base segment of the Metro 2 format container;
linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data, wherein the linking comprises updating a first record relating to the primary debtor and a second record relating to 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.
229 Citations
15 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, wherein the credit reporting data is encapsulated in a Metro 2 format container; parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data wherein the parsing is performed on at least one of a J1 segment, a J2 segment, and a Base segment of the Metro 2 format container; linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data, wherein the linking comprises updating a first record relating to the primary debtor and a second record relating to the secondary debtor. - View Dependent Claims (2, 3, 4, 5)
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6. A method comprising:
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identifying, by a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, tradeline data associated with a primary debtor in a data store containing credit bureau data, wherein the tradeline data is associated with a tradeline; combining, by the computer-based system, a subset of the tradeline data using a fingerprinting function to yield a tradeline fingerprint; querying, by the computer-based system, the data store for the tradeline fingerprint to retrieve a secondary debtor associated with the tradeline fingerprint. - View Dependent Claims (7, 8, 9, 10, 11, 12)
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13. 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, at the processor, credit reporting data relating to a tradeline, wherein the credit reporting data is encapsulated in a Metro 2 format container; parsing, by the processor, the credit reporting data to yield primary debtor data and secondary debtor data, wherein the parsing is performed on at least one of a J1 segment, a J2 segment, and a Base segment of the Metro 2 format container; linking, by the processor, the tradeline with the primary debtor data and the secondary debtor data, wherein the linking comprises updating a first record relating to the primary debtor and a second record relating to the secondary debtor. - View Dependent Claims (14, 15)
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Specification