Exposing reporting cycle information
First Claim
1. A method for providing alert information to a user relating to risk of identity theft of the user in connection with credit data of the user, the method comprising:
- by a computer system comprising;
a plurality of lender computing devices each representing a lender that reports credit information about respective users on a periodic basis;
a credit data warehouse comprising millions of credit files relating to a corresponding millions of users;
a plurality of wireless computing devices, each device associated with a user who has at least one account with at least one of the lenders that report the credit information to the credit datda warehouse;
a central computing device comprising;
an acquisition module thatreceives credit information from the plurality of lender computing devices, and for each of the plurality of users, determines one or more accounts associated with the user base on credit data associated with the user in the credit data warehouse;
an analysis module that, for each of a plurality of users,determines reporting dates on which respective lenders with which the user has an account provide credit information to the credit data warehouse; and
determines estimated next reporting dates for respective accounts associated with the user, wherein the next reporting dates are determined based on the determined reporting dates associated with respective accounts;
a presentation module that, for each of the plurality of users,generates an alert based on at least one of the estimated next reporting dates, wherein the alert comprises the estimated next reporting date,
an identifier of the corresponding account, and
a link to additional information relating to the estimated next reporting date; and
transmits the alert over a wireless communication channel to a wireless computing device associated with the user, wherein the alert activates an application on the wireless computing device to cause the alert to display, and wherein the alert enables connection to the computer system over the Internet.
1 Assignment
0 Petitions
Accused Products
Abstract
A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.
-
Citations
12 Claims
-
1. A method for providing alert information to a user relating to risk of identity theft of the user in connection with credit data of the user, the method comprising:
by a computer system comprising; a plurality of lender computing devices each representing a lender that reports credit information about respective users on a periodic basis; a credit data warehouse comprising millions of credit files relating to a corresponding millions of users; a plurality of wireless computing devices, each device associated with a user who has at least one account with at least one of the lenders that report the credit information to the credit datda warehouse; a central computing device comprising; an acquisition module that receives credit information from the plurality of lender computing devices, and for each of the plurality of users, determines one or more accounts associated with the user base on credit data associated with the user in the credit data warehouse; an analysis module that, for each of a plurality of users, determines reporting dates on which respective lenders with which the user has an account provide credit information to the credit data warehouse; and determines estimated next reporting dates for respective accounts associated with the user, wherein the next reporting dates are determined based on the determined reporting dates associated with respective accounts; a presentation module that, for each of the plurality of users, generates an alert based on at least one of the estimated next reporting dates, wherein the alert comprises the estimated next reporting date,
an identifier of the corresponding account, and
a link to additional information relating to the estimated next reporting date; and
transmits the alert over a wireless communication channel to a wireless computing device associated with the user, wherein the alert activates an application on the wireless computing device to cause the alert to display, and wherein the alert enables connection to the computer system over the Internet.- View Dependent Claims (2, 3)
-
4. A computing system comprising:
-
a plurality of lender computing devices each representing a lender that reports credit information about respective users on a periodic basis; a credit data warehouse comprising millions of credit files relating to a corresponding millions of users; a plurality of wireless computing devices, each device associated with a user who has at least one account with at least one of the lenders that report the credit information to the credit data warehouse; and
a central computing device comprising;an acquisition module that receives credit information from the plurality of lender computing devices, and for each of a plurality of users, determines one or more accounts associated with the user based on credit data associated with the users in the credit data warehouse; an analysis module that, for each of a plurality of users, determines reporting dates on which respective lenders with which the user has an account provide credit information to the credit data warehouse; and determines estimated next reporting dates for respective accounts associated with the user, wherein the next reporting dates are determined based on the determined reporting dates associated with respective accounts; a presentation module that, for each of the plurality of users, generates an alert based on at least one of the estimated next reporting dates, wherein the alert comprises the estimated next reporting date, an identifier for the respective account, and a link to additional information relating to the estimated next reporting date; and transmits the alert over a wireless communication channel to a wireless computing device associated with the user, wherein the alert activates an application on the wireless computing device to cause the alert to display, and wherein the alert enables connection to the computing system over the Internet. - View Dependent Claims (5, 6, 7)
-
-
8. A non-transitory computer-readable storage medium encoded with instructions thereon, wherein the instructions are readable by a central computing device in order to communicate with each of:
-
a plurality of lender computing devices each representing a lender that reports credit information about respective users on a periodic basis; a credit data warehouse comprising millions of credit files relating to a corresponding millions of users; a plurality of wireless computing devices, each device associated with a user who has at least one account with at least one of the lenders that report the credit information to the credit data warehouse; and wherein the instructions are executable by the central computing device to;
perform operations comprising;receiving credit information from the plurality of lender computing devices; and for each of a plurality of users, determine one or more accounts associated with the users based on credit data associated with the users in the credit data warehouse; determine reporting dates on which respective lenders with which the user has an account provide credit information to the credit data warehouse; determine estimated next reporting dates for respective accounts associated with the user, wherein the next reporting dates are determined based on the determined reporting dates associated with respective accounts; generate an alert based on at least one of the estimated next reporting dates, wherein the alert comprises; the estimated next reporting date, an identifier of the corresponding account, and a link to additional information relating to the estimated next reporting date; and transmit the alert over a wireless communication channel to a wireless computing device associated with the user, wherein the alert activates an application on the wireless computing device to cause the alert to display, and wherein the alert enables connection to the central computing device over the Internet. - View Dependent Claims (9, 10, 11, 12)
-
Specification