Business to contact linkage system
First Claim
Patent Images
1. A method comprisingreceiving, from a credit-extending entity, a request for information regarding business associations of an individual;
- determining a unique personal identification number of the individual;
providing a data structure having a plurality of personal identification numbers and associations between respective personal identification numbers and businesses,locating, by a computing system having one or more hardware processors, occurrences of the personal identification number in the data structure;
for each occurrence of the personal identification number, extracting, by the computing system, business information regarding the business associated with the personal identification number;
determining, by the computing system, a confidence score for each business associated with the personal identification number, wherein each confidence score is determined based on identities of one or more sources of the business information, a reliability associated with each of the one or more sources, or a quantity of the one or more sources, the business information including information indicating relationship between the individual and the business, the confidence scores indicating respective levels of confidence that the individual was and/or is a principal of businesses;
determining, by the computing system, one or more of the businesses associated with the personal identification number having confidence scores above a threshold; and
generating a user interface including business information regarding the determined one or more businesses, the user interface including indicators of the confidence scores for respective of the one or more businesses; and
providing the user interface to the credit-extending entity.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods for capturing and maintaining business to contact links, where the links comprise a persistent and enduring association between business entities and individuals.
-
Citations
20 Claims
-
1. A method comprising
receiving, from a credit-extending entity, a request for information regarding business associations of an individual; -
determining a unique personal identification number of the individual; providing a data structure having a plurality of personal identification numbers and associations between respective personal identification numbers and businesses, locating, by a computing system having one or more hardware processors, occurrences of the personal identification number in the data structure; for each occurrence of the personal identification number, extracting, by the computing system, business information regarding the business associated with the personal identification number; determining, by the computing system, a confidence score for each business associated with the personal identification number, wherein each confidence score is determined based on identities of one or more sources of the business information, a reliability associated with each of the one or more sources, or a quantity of the one or more sources, the business information including information indicating relationship between the individual and the business, the confidence scores indicating respective levels of confidence that the individual was and/or is a principal of businesses; determining, by the computing system, one or more of the businesses associated with the personal identification number having confidence scores above a threshold; and generating a user interface including business information regarding the determined one or more businesses, the user interface including indicators of the confidence scores for respective of the one or more businesses; and providing the user interface to the credit-extending entity. - View Dependent Claims (2, 3, 4)
-
-
5. A method for linking individuals to business entities having the individual as a common business owner, the method comprising:
-
gathering records regarding individuals from a variety of consumer information sources, wherein a record associated with an individual is identified by a personal identification number (PIN); gathering records regarding businesses from a variety of business information sources, wherein a record associated with a business is identified by an owner and a business identification number (BIN); establishing links between records of the individual identified by the PIN and a record of at least one business associated with a BIN based on data from one or more of a variety of sources; evaluating, by a computing system having one or more processors, a quality associated with each link, wherein evaluating the quality comprises; for each of the variety of sources; determining a partial link score indicating a confidence level that the individual has had a fiduciary duty to the business, wherein the partial link score is determined based on at least one of;
identities of one or more of the variety of sources, a reliability associated with each of the one or more of the variety of sources, or a quantity of the one or more of the variety of sources; anddetermining an overall link score based on the partial link scores for the variety of sources, the overall link score indicating an overall confidence level that the individual has had a fiduciary duty to the business. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12, 13)
-
-
14. A computing system comprising:
-
one or more computer processors; one or more computer storage devices configured to store instructions that are executable by the one or more computer processors, the instructions including at least; a consumer data structure comprising a plurality of individual records, wherein the individual records comprise a personal identifying field; a business data structure comprising a plurality of business records, wherein the business records comprise an owner identity, and a business identifying field; a multiple-business filter configured to access the business data structure and select a subset of the plurality of business records, wherein the subset comprises business records having the owner identity associated with the personal identifying field of an individual record, wherein at least one association between the owner identity and the personal identifying field is a historical association; a business to individual link module configured to establish a link between the subset of plurality of business records and the individual record; a link quality module configured to evaluate the quality of the link established by the business to individual link module, wherein the quality of the link is evaluated based on one or more of identities of one or more sources indicating the link, a reliability associated with each of the one or more of sources, or a quantity of the one or more sources. - View Dependent Claims (15, 16, 17, 18, 19)
-
-
20. A non-transitory computer-readable medium which stores executable instructions configured for execution by a computing system having one or more computer processors in order to:
-
access records regarding individuals from a variety of consumer information sources, wherein a record associated with an individual is identified by a personal identification number (PIN); access records regarding businesses from a variety of business information sources, wherein a record associated with a business is identified by an owner and a business identification number (BIN); establish links between a record of an individual identified by a PIN and a record of at least one business associated with a BIN based on a determination that an owner associated with the at least one business is the same as the individual identified; evaluate a quality associated with each link by, for each link; determining a source for the link; determining a partial link score indicating a confidence level that the individual has had a fiduciary duty to the business, wherein the partial link score is determined based on at least identities of one or more of the variety of sources, a reliability associated with each of the one or more of the variety of sources, or a quantity of the one or more of the variety of sources; and determining an overall link score based on the partial link scores for the established links, the overall link score indicating an overall confidence level that the individual has had a fiduciary duty to the business.
-
Specification