Application clusters

• US 8,818,888 B1
• Filed: 06/27/2013
• Issued: 08/26/2014
• Est. Priority Date: 11/12/2010
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kapczynski, Mark Joseph, Dean, Michael John
• Primary Examiner(s): Hammond, III, Thomas M
• Application Number:
  US13/929,692
• Time in Patent Office: 425 Days
• Field of Search: 705/35
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

One or more application providers supply primary data and user interface rendering information to a computing system. The computing system comprises modules that mange the received data and generate a user interface using the received rendering information. Data may be managed by resolving conflicts in the primary data as between the one or more application providers. Data may also be managed through the creation of derived data based at least in part on the received primary data. A user interface may be generated that has several applications displayed in an application cluster. The applications may be generated based on the rendering information. A user may interact with the user interface and may be able to edit the primary data. If the primary data is modified, the computing system communicates the modifications to the one or more application providers that supplied the original, primary data.

Claims

1. A method comprising:

receiving, by a computer system having one or more hardware processors, primary data regarding a consumer from a plurality of data sources, wherein the primary data from at least one of the data sources includes personal financial information regarding the consumer;

determining, by the computer system, based on primary data received from at least two of the data sources, derived data indicative of personal financial information of the consumer that is not received from any of the individual at least two of the data sources;

providing, by the computer system, the derived data to the at least one of the data sources; and

providing, by the computer system, a user interface that includes at least some of the data from the at least two of the data sources and at least some of the derived data.

2. The method of claim 1, further comprising:

receiving, by the computer system, update data that updates at least some of the data from the at least two of the data sources via the user interface; and

,

communicating the update data to at least some of the plurality of the data sources.

3. The method of claim 1, wherein the user interface comprises information regarding a mortgage account of the consumer.

4. The method of claim 1, wherein the user interface comprises information regarding a credit card account of the consumer.

5. The method of claim 1 wherein the data from a first of the at least two data sources includes a credit report.

6. The method of claim 1, wherein the user interface is configured for display within a web browser.

7. The method of claim 1, wherein the user interface is configured for display on a mobile computing system.

8. The method of claim 1, wherein the mobile computing system is a mobile phone.

9. A method comprising:

accessing, by a computer system having one or more hardware processors, first primary data from a first application provider computer system corresponding to a first account a consumer has with the first application provider;

accessing, by the computer system, second primary data from a second application provider computer system corresponding to a second account the consumer has with the second application provider, wherein the second primary data has at least some information of the consumer that is not included in the first primary data;

generating, by the computer system, derived data based at least in part on the first primary data or the second primary data;

sharing portions of the first primary data that are not included in the second primary data with the second application provider computer system and portions of the second primary data that are not included in the first primary data with the first application provider computer system;

generating, by the computer system, an application cluster user interface comprising, at least some of the derived data and a plurality of applications, wherein at least two of the plurality of applications are associated with the first primary data and the second primary data, respectively.

10. The method of claim 9, wherein

the plurality of applications comprise:

a first application corresponding to the first application provider, the first application comprising a display of at least some of the first primary data, and

a second application corresponding to the second application provider, the second application comprising a display of at least some of the second primary data and at least some of the first primary data or data derived on the first primary data, wherein the application cluster user interface further comprises a derived data application comprising a display of at least some of the generated derived data.

11. The method of claim 10, wherein:

the first primary data or the second primary data may be modified by the consumer through the application cluster user interface, and

the derived data may not be modified by the consumer through the application cluster user interface.

12. The method of claim 11, further comprising:

accessing, by the computer system, modifications made by the consumer through the application cluster user interface to the first primary data or the second primary data, and

communicating, by the computer system, the modifications to the first application provider computer system or the second application provider computer system.

13. The method of claim 9, wherein the derived data comprises overall monthly debt obligation value.

14. The method of claim 9, wherein the derived data comprises credit rating data.

15. A computing system comprising:

one or more hardware processors;

a tangible computer readable storage storing instructions configured for execution by the one or more hardware processors to cause the computing system to;

access first source data from a first entity having personal information regarding a consumer;

access second source data from a second entity having personal information regarding the consumer that is not available to the first entity;

identify first primary data from the first source data;

identify a first portion of second primary data from the second source data that does not contain data in conflict with a corresponding first portion of the first primary data;

identify as conflicting data a second portion of the second primary data that contains data in conflict with a corresponding second portion of the first primary data;

resolve the conflicting data, thereby generating resolved data, by choosing data from either the first source data or the second source data;

generate derived data based at least in part on the primary data and the resolved data; and

generate an application cluster user interface configured to display at least some of the primary data, the resolved data or the derived data.

16. The system of claim 15, wherein the application cluster user interface comprises:

first application elements displaying primary data from the first data storage and at least some of the resolved data,

second application elements displaying primary data from the second data storage and at least some of the resolved data, and

third application elements displaying derived data, wherein the application cluster user interface is configured to accept modifications to the primary data or the resolved data.

17. The system of claim 16, wherein the computer readable storage stores instructions that when executed further cause the processor to communicate the modifications to the first data storage and the second data storage.

18. The system of claim 15, wherein choosing data from either the first source data or the second source data comprises choosing the most recently edited data.

19. The system of claim 15, wherein the computer readable storage stores instructions that when executed further cause the processor to receive a data source preference from a user that may be used to resolve data conflict between the first data source and the second data source.

20. The system of claim 19, wherein choosing data from either the first source data or the second source data is based at least in part on the data source preference.