Presentation of credit score factors

• US 9,916,621 B1
• Filed: 03/12/2013
• Issued: 03/13/2018
• 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): Lemieux, Jessica
• Application Number:
  US13/797,011
• Time in Patent Office: 1,827 Days
• Field of Search: 705 35- 45
• 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

A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.

Claims

1. Non-transitory computer storage that comprises executable instructions configured to cause one or more computer processors to perform operations comprising:

receiving, via a computer network, from a touch sensitive computing device of a user, a request for information regarding how a credit score of the user is positively impacted by various activities of the user and how the credit score of the user is negatively impacted by other various activities of the user;

receiving, from a remote computing system storing credit information, first credit information associated with the user, wherein the first credit information comprises indications of a plurality of categories and corresponding category data for each category, the plurality of categories and corresponding category data including at least;

a credit utilization category and associated credit utilization data of the user including a credit utilization percentage indicating a percentage of total credit used by the user compared to a total credit available to the user across a plurality of credit lines associated with the user;

a credit inquires category and associated credit inquiry data of the user including a quantity of credit inquiries associated with the user in a predetermined prior time period; and

a payment history category and associated payment history data of the user indicating a quantity of missed payments associated with the user in a predetermined prior time period;

for each of the plurality of categories;

accessing a data structure storing rules describing influences of the categories on credit scores, the rules indicating a plurality of conditions associated with impacts on credit scores of users, each of the rules in the data structure including

a logical condition associated with the category; and

an indication of whether satisfaction of the logical condition negatively or positively impacts credit scores;

accessing category data of the user associated with the category;

applying the logical condition to the category data to determine whether the logical condition is met by the category data, including;

for the credit utilization category, determining whether the credit utilization percentage of the user exceeds a credit utilization threshold indicated in a credit utilization logical condition associated with the credit utilization category;

for the credit inquiries category, determining whether the quantity of credit inquires associated with the user exceeds a credit inquires threshold indicated in a credit inquiries logical condition associated with the credit inquires category; and

for the payment history category, determining whether the quantity of missed payments associated with the user exceeds a missed payments threshold indicated in a payment history logical condition associated with the payment history category;

based on said applying the logical condition to the category data, identify one or more logical conditions that are met;

for each identified logical condition that is met, access the data structure to determine whether the met logical condition is associated with a negative impact or positive impact on credit scores;

generating user interface data configured for inclusion in one or more interactive user interfaces rendered on the touch sensitive computing device, the user interface data configured to describe application of the rules, and the one or more interactive user interfaces comprising a plurality of panes associated with respective categories each having corresponding logical conditions met, wherein the plurality of panes are ordered according to respective impacts on the credit score of the user, wherein each pane associated with a respective category is configured to alternatively depict

(i) a first visual indicator including;

a description of the logical condition associated with the respective category,

an indication of whether the description indicates a positive or negative impact on the credit score of the user, and

a first value including or based on category data associated with the respective category, or

(ii) a second visual indicator including informational text indicating rationale for the indicated positive or negative impact on the credit score of the user, wherein the informational text is dynamically generated based on the first value;

wherein the user interface data is further configured to, in response to receiving a touch input of a particular pane on the touch sensitive computing device;

cause the one or more interactive user interfaces to display a visual animation depicting rotation of the pane upon a horizontal or vertical axis in order to alternate display of visual indicators depicted in the particular pane between the first visual indicators and the second visual indicators displayed in the particular pane, such that visuals indicators displayed in the particular pane are alternated in response to each touch input on the particular pane.

2. The non-transitory computer storage of claim 1, wherein the first visual indicators further comprise an indicator that the user has achieved a predefined status with respect to the respective category.

3. The non-transitory computer storage of claim 1, wherein the informational text comprises text generated based on the first value.

4. The non-transitory computer storage of claim 1, wherein the informational text is received from a web server.

5. The non-transitory computer storage of claim 4, wherein the informational text is received from the web server asynchronously.

6. The non-transitory computer storage of claim 1, wherein the rules stored in the data structure are updated periodically, or wherein updates to the rules are checked for each access to the data structure.

7. A computerized method comprising:

by one or more hardware computer processors;

receiving first consumer credit information associated with a consumer, wherein the first consumer credit information comprises summary data associated with categories of credit information that impact a credit score of the consumer;

generating, for display on a touch sensitive computing device, a user interface comprising a plurality of panes associated with respective categories of credit information, wherein each pane is configured to alternatively depict

(i) first visual indicators including respective indications of whether credit information of the consumer in a respective category positively or negatively impacts the credit score of the consumer, a description of first consumer credit information associated with the respective category, and a first value based on a consumer'"'"'s credit information in the respective category, or

(ii) second visual indicators including informational text indicating rationale for adjustments to credit scores in response to credit information associated with the respective category;

in response to receiving a touch input of a particular pane on the touch sensitive computing device, displaying a visual animation depicting rotation of the pane upon a horizontal or vertical axis in order to alternate display of visual indicators depicted in the particular pane between the first visual indicators and the second visual indicators displayed in the particular pane, such that visuals indicators displayed in the particular pane are alternated in response to each touch input on the particular pane.

8. The computerized method of claim 7, further comprising, by one or more hardware computer processors:

receiving second credit information relating to a plurality of consumers with credit scores above a predetermined threshold, wherein the received second credit information comprises summary data of the plurality of consumers associated with the categories of credit information; and

generating, for display on each pane, a comparison of a second value to the first value, the second value comprising summary information for the respective category.

9. The computerized method of claim 7, wherein the first visual indicators further comprise an indicator that the consumer has achieved a predefined status with respect to the respective category.

10. The computerized method of claim 7, wherein the informational text comprises text generated based on the first value.

11. The computerized method of claim 7, wherein the informational text is received from a web server.

12. The computerized method of claim 11, wherein the informational text is received from the web server asynchronously.

13. A touch sensitive computing device comprising:

one or more hardware processors configured to cause the touch sensitive computing device to;

receive first consumer credit information associated with a consumer, wherein the first consumer credit information comprises summary data associated with categories of credit information that impact a credit score of the consumer;

generate, for display on a touch sensitive display of the touch sensitive computing device, a user interface comprising a plurality of panes associated with respective categories of credit information, wherein each pane is configured to alternatively depict

(i) first visual indicators including respective indications of whether credit information of the consumer in a respective category positively or negatively impacts the credit score of the consumer, a description of first consumer credit information associated with the respective category, and a first value based on a consumer'"'"'s credit information in the respective category, or

(ii) second visual indicators including informational text indicating rationale for adjustments to credit scores in response to credit information associated with the respective category;

in response to receipt of a touch input of a particular pane on the touch sensitive display of the touch sensitive computing device, display a visual animation depicting rotation of the pane upon a horizontal or vertical axis in order to alternate display of visual indicators depicted in the particular pane between the first visual indicators and the second visual indicators displayed in the particular pane, such that visuals indicators displayed in the particular pane are alternated in response to each touch input on the particular pane.

14. The touch sensitive computing device of claim 13, wherein the one or more hardware processors are further configured to cause the touch sensitive computing device to:

receive second credit information relating to a plurality of consumers with credit scores above a predetermined threshold, wherein the received second credit information comprises summary data of the plurality of consumers associated with the categories of credit information; and

generate, for display on each pane, a comparison of a second value to the first value, the second value comprising summary information for the respective category.

15. The touch sensitive computing device of claim 13, wherein the first visual indicators further comprise an indicator that the consumer has achieved a predefined status with respect to the respective category.

16. The touch sensitive computing device of claim 15, wherein the predefined status is equivalent to or exceeding a score master value in the respective category.

17. The touch sensitive computing device of claim 13, wherein the informational text comprises text generated based on the first value.

18. The touch sensitive computing device of claim 13, wherein the informational text is received from a web server.