Applicant screening

• US 9,710,663 B2
• Filed: 05/26/2015
• Issued: 07/18/2017
• Est. Priority Date: 07/25/2005
• Status: Active Grant

• Current Assignee: Transunion Rental Screening Solutions, Inc. (TransUnion Corporation)
• Original Assignee: Transunion Rental Screening Solutions, Inc. (TransUnion Corporation)
• Inventors: Britti, Michael A., Thornley, Robert D., Springer, Joel R., Mauseth, Michael J., Collins, Michael J.
• Primary Examiner(s): Armouche, Hadi
• Assistant Examiner(s): Khan, Sher A
• Application Number:
  US14/721,539
• Publication Number:
  US 20150269506A1
• Time in Patent Office: 784 Days
• CPC Class Codes: G06F 21/62 Protecting access to data via a platform, e.g. using keys or access control rules
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 10/1053 Employment or hiring
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/16 Real estate
• CPC Class Codes: G06Q 50/20 Education
• CPC Class Codes: H01L 21/48 Manufacture or treatment of parts, e.g. containers, prior to assembly of the devices, using processes not provided for in a single one of the subgroups H01L21/06 - H01L21/326
• CPC Class Codes: H01L 21/4857 Multilayer substrates multilayer metallisation on monolayer substrate H01L21/4846
• CPC Class Codes: H01L 2224/13099 Material
• CPC Class Codes: H01L 2224/16225 the item being non-metallic, e.g. insulating substrate with or without metallisation
• CPC Class Codes: H01L 2224/48091 Arched
• CPC Class Codes: H01L 2224/48227 connecting the wire to a bond pad of the item
• CPC Class Codes: H01L 23/498 Leads, i.e. metallisations or lead-frames on insulating substrates, e.g. chip carriers shape of the substrate H01L23/13
• CPC Class Codes: H01L 23/49811 Additional leads joined to the metallisation on the insulating substrate, e.g. pins, bumps, wires, flat leads H01L23/49827 takes precedence
• CPC Class Codes: H01L 23/49822 Multilayer substrates multilayer metallisation on monolayer substrate H01L23/498
• CPC Class Codes: H01L 23/49827 Via connections through the substrates, e.g. pins going through the substrate, coaxial cables H01L23/49822, H01L23/49833, H01L23/4985, H01L23/49861 take precedence
• CPC Class Codes: H01L 23/49894 : Materials of the insulating layers or coatings
• CPC Class Codes: H01L 24/16 : of an individual bump connector
• CPC Class Codes: H01L 24/48 : of an individual wire connector
• CPC Class Codes: H01L 2924/15311 : being a ball array, e.g. BGA
• CPC Class Codes: H01L 2924/181 : Encapsulation
• CPC Class Codes: H05K 1/0271 : Arrangements for reducing stress or warp in rigid printed circuit boards, e.g. caused by loads, vibrations or differences in thermal expansion
• CPC Class Codes: H05K 2201/0191 : wherein the thickness of the dielectric plays an important role
• CPC Class Codes: H05K 2201/0209 : Inorganic, non-metallic particles
• CPC Class Codes: H05K 3/4682 : Manufacture of core-less build-up multilayer circuits on a temporary carrier or on a metal foil

Abstract

Systems and methods for screening applicants are disclosed herein. A method of screening applicants is performed by a screening server. The server begins by receiving a selection of screening services and an applicant profile that identifies an applicant. The screening continues by generating screening results specified by the selection of screening services based on the applicant profile. A property manager is then notified that the screening results are available for the applicant based upon the applicant profile. The screening results are then provided to the property manager based upon the applicant profile. Based on these screening results, the screener or property manager can make a decision about the applicant and communicate a decision action to the applicant.

Claims

1. A computer program product on a non-transitory computer-readable medium for use in a data processing system for executing a computer program, the computer program product comprising:

receiving, by a screening service, an applicant profile that identifies an applicant;

receiving, by the screening service, predetermined risk levels;

generating, by the screening service, recommendations based on the predetermined risk levels and the applicant profile;

receiving, by the screening service, from the applicant, using a computer, an authorization to provide the recommendations to a screener;

notifying the screener, by the screening service, that the recommendations are available for the applicant responsive to generating the recommendations and receiving the authorization;

receiving, by the screening service, a request from the screener to view the recommendations;

authenticating the screener at the screening service; and

providing, by the screening service, the recommendations to the screener responsive to authenticating the screener.

2. The computer program product of claim 1, wherein the recommendations indicate an acceptable risk level of the applicant.

3. The computer program product of claim 2, wherein the acceptable risk levels are correlated to one or more parameters provided in the applicant profile.

4. The computer program product of claim 2, wherein the acceptable risk levels are correlated to at least one of the applicant'"'"'s income level.

5. The computer program product of claim 2, wherein the recommendation is in the form of chart correlating the applicant with an acceptable risk level.

6. The computer program product of claim 2, wherein the recommendations are used by the screener to make a decision.

7. The computer program product of claim 2, wherein receiving the predetermined risk levels further comprises receiving the predetermined risk levels from the screener.

8. The computer program product of claim 2, wherein receiving the predetermined risk levels further comprises receiving the predetermined risk levels from the applicant.

9. The computer program product of claim 2, wherein receiving the applicant profile further comprises receiving the applicant profile from the applicant.

10. The computer program product of claim 1, further comprising:

authenticating the applicant; and

providing the recommendations to the applicant.

11. The computer program product of claim 1, further comprising:

generating screening results based on the applicant profile; and

providing the screening results to the screener.

12. The computer program product of claim 11, further comprising:

receiving a decision action from the screener, wherein the decision action is determined by the screener based on the screening results; and

providing the decision action made by the screener to the applicant.

13. The computer program product of claim 1, wherein providing the recommendations to the screener comprises providing the recommendations via a selectable hypertext link.

14. A computer program product on a non-transitory computer-readable medium for use in a data processing system for executing a computer program, the computer program product comprising:

receiving, by a screening service, an applicant profile that identifies an applicant;

generating, by the screening service, recommendations based on predetermined risk levels and the applicant profile, wherein the recommendations indicate an acceptable risk level of the applicant;

receiving, by the screening service, from the applicant using a computer an authorization to provide the recommendations to a screener;

notifying, by the screening service, the screener that the recommendations are available for the applicant responsive to generating the recommendations and receiving the authorization;

receiving, by the screening service, a request from the screener to view the recommendations; and

authenticating the screener by the screening service; and

providing, by the screening service, recommendations to the screener responsive to authenticating the screener.

15. The computer program product of claim 14, further comprising generating, by the screening service, screening results based on the predetermined risk levels and the applicant profile, wherein the screening results are not provided to the screener.

16. The computer program product of claim 14, further comprising notifying the screener via an email that the recommendations are available for the applicant.

17. The computer program product of claim 14, wherein the predetermined risk levels are received from the screener.

18. A system for screening, comprising a hardware processor:

a communications module executed by the hardware processor to receive a selection of screening services;

a screening module executed by the hardware processor to receive an applicant profile to identify an applicant and generate recommendations, based on the applicant profile and predetermined risk levels received from a screener;

an authorization module, executed by the hardware processor to receive from the applicant an authorization to provide the recommendations to the screener;

a notification module, executed by the hardware processor to notify the screener that recommendations are available for the applicant;

a receiving module, executed by the hardware processor to receive a request from the screener to view the recommendations; and

a service module, executed by the hardware processor to authenticate the screener, and in response to the authentication, provide the recommendations to the screener.

19. The system of claim 18, wherein the recommendation is in the form of a chart correlating the applicant with an acceptable risk level.