Credit score goals and alerts systems and methods

• US 9,830,646 B1
• Filed: 03/14/2013
• Issued: 11/28/2017
• Est. Priority Date: 11/30/2012
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Wasser, Jeremy, Felice-Steele, Michelle, Nies, Melinda, Giltner, Luke
• Primary Examiner(s): Shrestha, Bijendra K
• Application Number:
  US13/804,460
• Time in Patent Office: 1,720 Days
• CPC Class Codes: G06F 3/01 Input arrangements or combined input and output arrangements for interaction between user and computer G06F3/16 takes precedence
• CPC Class Codes: G06F 3/0412 Digitisers structurally integrated in a display
• CPC Class Codes: G06F 3/048 Interaction techniques based on graphical user interfaces [GUI]
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/0484 for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06T 11/001 Texturing; Colouring; Generation of texture or colour inpainting G06T5/77
• CPC Class Codes: G06T 11/206 Drawing of charts or graphs
• CPC Class Codes: G06T 2200/24 involving graphical user interfaces [GUIs]

Abstract

Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer'"'"'s credit information, the credit score thresholds, and/or macroeconomic events or factors.

Claims

1. A non-transitory computer-readable medium comprising instructions configured to cause one or more computer processors to perform operations comprising:

receiving credit score user interface data, wherein the credit score user interface data comprises at least a consumer'"'"'s credit score based at each of a current time and a plurality of previous times based on application of a credit score algorithm to the consumer'"'"'s credit data at the respective times, and a credit score threshold;

generating a user interface configured for display on a touch sensitive computing device, the user interface including;

a credit score line graph presenting the consumer'"'"'s credit score for the current time and one or more of the previous times; and

a user-adjustable threshold line indicating the credit score threshold as a straight line across the current time and the one or more previous times,

wherein the user interface is configured to update the user-adjustable threshold line in response to a dragged touch input on the user-adjustable threshold line;

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has begun;

in response to receiving the indication that the dragged touch input on the user-adjustable threshold line has begun;

receiving, by the user interface, data input corresponding to the dragged touch input during the duration of the dragged touch input, wherein the data input includes a position of the user-adjustable threshold line, the position corresponding to the position of the dragged touch input on the user-adjustable threshold line;

determining, for the positions of the user-adjustable threshold line during the dragged touch input, a credit score range of a plurality of credit score ranges that is currently associated with the respective position of the user-adjustable threshold line, wherein each of the credit score ranges is associated with a different visual display characteristic;

updating, dynamically for the positions, the user-adjustable threshold line on the user interface based on the visual display characteristic associated with the respective determined credit score range of the received data input; and

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has ended;

automatically updating the credit score threshold for the consumer in a credit monitoring database;

monitoring the consumer'"'"'s credit score for a change beyond the updated credit score threshold; and

in response to determining that the consumer'"'"'s credit score moved beyond the updated credit score threshold, transmitting to the touch sensitive computing device of the consumer a notification of the change in the consumer'"'"'s credit score, the notification configured to activate an application on the touch sensitive computing device to cause display of information regarding the credit score change and enable connection to the credit monitoring database over the Internet.

2. The non-transitory computer-readable medium of claim 1, wherein updating the user-adjustable threshold line on the user interface for a particular position corresponding to the dragged touch input further comprises:

updating display of the user-adjustable threshold line to the particular position; and

causing the respective visual display characteristic to display a credit score threshold number relative to the particular position.

3. The non-transitory computer-readable medium of claim 1, wherein updating the user-adjustable threshold line on the user interface for a particular position corresponding to the dragged touch input further comprises:

causing the respective visual display characteristic to display a color corresponding to a credit score range associated with the particular position.

4. The non-transitory computer-readable medium of claim 1, wherein the credit score threshold is a credit score goal for the consumer or a credit score warning level for the consumer.

5. The non-transitory computer-readable medium of claim 1, wherein a second user-adjustable threshold line corresponding to a received second credit score threshold is included in the user interface, and wherein the user interface is configured to update the second user-adjustable threshold line in response to a dragged touch input on the second user-adjustable threshold line.

6. The non-transitory computer-readable medium of claim 1,

wherein the operations further comprise sending the updated credit score threshold to a credit report system.

7. The non-transitory computer-readable medium of claim 1, wherein the instructions comprise a computer application for a mobile device.

8. A computing device comprising:

a data store configured to store a consumer'"'"'s credit report and credit score threshold information;

a touch screen display configured to receive touch screen input;

one or more processors; and

a user interface module executable on the one or more processors, configured to at least;

access credit information specific to a consumer, the credit information comprising at least a portion of the consumer'"'"'s credit report and credit score threshold information;

store the credit information in the data store;

generate a user interface configured for display on the touch screen display the user interface including a credit score line graph presenting the consumer'"'"'s credit score and the credit score threshold, wherein the credit score threshold is displayed as a user-adjustable threshold line on the credit score line graph,

wherein the user interface is configured to update the credit score line graph in response to a dragged touch input on the user-adjustable threshold line;

receive an indication that the dragged touch input on the user-adjustable threshold line has begun;

in response to receiving the indication that the dragged touch input on the user-adjustable threshold line has begun;

receive data input corresponding to the dragged touch input during the duration of the dragged touch input, wherein the data input includes a position of the user-adjustable threshold line, the position corresponding to the position of the dragged touch input on the credit score line graph;

update the credit score line graph on the user interface based on the received data input, the user-adjustable threshold line being adjusted in color according to the received data input; and

receive an indication that the dragged touch input on the user-adjustable threshold line has ended;

automatically update the credit score threshold for the consumer based on a final position of the credit score threshold, wherein the final position corresponds to the position of the data input corresponding to the last received dragged touch input,

wherein the consumer'"'"'s credit is monitored for a change beyond the updated credit score threshold; and

receiving a notification of the change in the consumer'"'"'s credit score in response to the consumer'"'"'s credit score moving beyond the updated credit score threshold, the notification configured to activate an application on the computing device to cause display of information regarding the credit score change and enable connection to a credit monitoring database over the internet.

9. The computing device of claim 8, wherein the computing device is a wireless mobile computing device.

10. The computing device of claim 8, wherein the computing device is a web server.

11. The computing device of claim 10, wherein receiving credit information specific to the consumer comprises receiving asynchronous user interface updates from a web server comprising credit information specific to the consumer.

12. The computing device of claim 8, wherein the credit score threshold information includes at least one of a credit score goal for the consumer or a credit score warning level for the consumer.

13. The computing device of claim 8, wherein the user interface module is further configured to:

update display of the user-adjustable threshold line on the credit score line graph to the position of the dragged touch input on the credit score line graph; and

cause a credit score threshold label corresponding to the user-adjustable threshold line to display a credit score threshold number, wherein the credit score threshold number is determined relative to the position.

14. The computing device of claim 8, wherein the user interface module is further configured to:

cause the color of the user-adjustable threshold line to update, wherein the color is updated to match a color corresponding to a credit score value,

wherein the color corresponding to the credit score value is determined based on a color of a corresponding portion of a vertical axis of the credit score line graph, wherein the corresponding portion of the vertical axis of the credit score line graph corresponds to the credit score value.

15. A computer-implemented method comprising:

by a system of one or more computer processors,

receiving credit score user interface data, wherein the credit score user interface data comprises at least a consumer'"'"'s credit score based at each of a current time and a plurality of previous times based on application of a credit score algorithm to the consumer'"'"'s credit data at the respective times, and a credit score threshold;

generating a user interface configured for display on a touch sensitive computing device, the user interface including;

a credit score line graph presenting the consumer'"'"'s credit score for the current time and one or more of the previous times; and

a user-adjustable threshold line indicating the credit score threshold as a straight line across the current time and the one or more previous times,

wherein the user interface is configured to update the user-adjustable threshold line in response to a dragged touch input on the user-adjustable threshold line;

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has begun;

in response to receiving the indication that the dragged touch input on the user-adjustable threshold line has begun;

receiving, by the user interface, data input corresponding to the dragged touch input during the duration of the dragged touch input, wherein the data input includes a position of the user-adjustable threshold line, the position corresponding to the position of the dragged touch input on the user-adjustable threshold line;

determining, for the positions of the user-adjustable threshold line during the dragged touch input, a credit score range of a plurality of credit score ranges that is currently associated with the respective position of the user-adjustable threshold line, wherein each of the credit score ranges is associated with a different visual display characteristic;

updating, dynamically for the positions, the user-adjustable threshold line on the user interface based on the visual display characteristic associated with the respective determined credit score range of the received data input; and

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has ended;

automatically updating the credit score threshold for the consumer in a credit monitoring database;

monitoring the consumer'"'"'s credit score for a change beyond the updated credit score threshold; and

in response to determining that the consumer'"'"'s credit score moved beyond the updated credit score threshold, transmitting to the touch sensitive computing device of the consumer a notification of the change in the consumer'"'"'s credit score, the notification configured to activate an application on the touch sensitive computing device to cause display of information regarding the credit score change and enable connection to the credit monitoring database over the Internet.