Automated analysis of data to generate prospect notifications based on trigger events

• US 10,586,279 B1
• Filed: 04/16/2014
• Issued: 03/10/2020
• Est. Priority Date: 09/22/2004
• Status: Active Grant

• Current Assignee: Experian Information Solutions Incorporated (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Ramos, Armando, Meeks, Stephen R., Pearson, Michele M., Fielding, Pamela
• Primary Examiner(s): Berkman, Michael
• Application Number:
  US14/254,750
• Time in Patent Office: 2,155 Days
• Field of Search: 705 141, 705 38, 705 1453, 705 1466
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 90/00 Systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not involving significant data processing

Abstract

Systems and methods are described for identifying a subset of interest from a general population and for monitoring a database of daily activity logs associated with the general population in order to identify database entries indicative of an occurrence of a pre-defined trigger event that is associated with a member of the subset of interest. In particular, systems and methods are described that allow a massive database of daily activity logs to be monitored to identify trigger events that have occurred within the past twenty-four hours or other very recent time period. Embodiments are described that may be advantageously used by a provider of credit-related products and/or services who wishes to accurately target prospective customers, identified by the system, based on occurrence of a trigger event, as being in a decision-making phase of credit shopping, for purposes of making a timely and targeted offering relevant to the customers'"'"' current activities.

Claims

1. A computer system comprising:

a first computer storage dynamically receiving and storing information about credit-related activities of over one hundred million consumers;

a second computer storage configured to store a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage; and

a trigger notification system in electronic communication with the first computer storage and the second computer storage, the trigger notification system configured to;

receive a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client;

receive the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client;

apply the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;

monitor updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage;

identify one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers;

automatically generate a first electronic notification configured to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates;

apply the first client'"'"'s pre-screen criteria data file to a second updated snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria, the second subset different from the first subset;

monitor updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage;

identify one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; and

automatically generate an electronic notification configured to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates.

2. The system of claim 1, wherein the information about credit-related activities of millions of consumers is dynamically received from one or more of merchants, lenders, or government entities.

3. The system of claim 1, wherein the credit-related activities include information associated with one or more of changes to account balances, account payment histories including notices of overdue accounts, credit rating inquiries, new lines of credit opened, credit line limit increases, credit line over-limits, address changes, judgments, liens, or bankruptcies.

4. The system of claim 1, wherein the snapshot of information from the first computer storage is updated at a frequency of one or more of monthly, weekly, twice weekly, or another desired schedule.

5. The system of claim 1, wherein the other information not stored in the first computer storage includes one or more of demographic information, employment information, or other information for credit-related purposes.

6. The system of claim 1, wherein the first client'"'"'s pre-screen criteria includes consumers with credit ratings above a threshold value.

7. A computer-implemented method comprising:

dynamically receiving and storing, in a first computer storage, information about credit-related activities of over one hundred million consumers;

storing, in a second computer storage, a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage;

receiving, at a trigger notification system in electronic communication with the first computer storage and the second computer storage, a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client;

receiving, at the trigger notification system, the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client;

applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;

monitoring, by the trigger notification system, updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage;

identifying, by the trigger notification system, one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers;

automatically generating, by the trigger notification system, a first electronic notification to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates;

applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a second snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;

monitoring, by the trigger notification system, updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage;

identifying, by the trigger notification system, one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers; and

automatically generating, by the trigger notification system, a second electronic notification to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates.

8. The method of claim 7, wherein the first client'"'"'s pre-screen criteria are received from the system accessible by the first client.

9. The method of claim 7, wherein the first client'"'"'s pre-screen criteria are received from an automated system.

10. The method of claim 7, further comprising generating the electronic notification in less than one day from identification of the one or more updates.

11. The method of claim 7, wherein generating the electronic notification further comprises providing information enabling the first client to contact the at least one first non-customer consumer.

12. The method of claim 7, wherein generating the electronic notification further comprises providing information that includes an indication of the identified one or more updates.

13. A non-transitory computer readable medium for trigger notification, comprising:

program instructions for dynamically receiving and storing, in a first computer storage, information about credit-related activities of over one hundred million consumers;

program instructions for storing, in a second computer storage, a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and verified for accuracy, and merged with other information not stored in the first computer storage;

program instructions for receiving, at a trigger notification system in electronic communication with the first computer storage and the second computer storage, a first client'"'"'s pre-screen criteria data file defining non-customer consumers qualifying for a firm offer of credit from the first client;

program instructions for receiving, at the trigger notification system, the first client'"'"'s trigger events file comprising indications of events that are indicative of consumers actively seeking credit provided by the first client;

program instructions for applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a first snapshot of the plurality of snapshots to generate a first subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;

program instructions for monitoring, by the trigger notification system, updates to the credit-related activities of the first subset of non-customer consumers in the first computer storage;

program instructions for identifying, by the trigger notification system, one or more first updates associated with the first client'"'"'s trigger events file for the first subset of non-customer consumers;

program instructions for automatically generating, by the trigger notification system, a first electronic notification to be sent electronically to a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first non-customer consumer associated with at least one of the identified first updates;

program instructions for applying, by the trigger notification system, the first client'"'"'s pre-screen criteria data file to a second snapshot of the plurality of snapshots to generate a second subset of non-customer consumers from the over one hundred million consumers satisfying the first client'"'"'s pre-screen criteria;

program instructions for monitoring, by the trigger notification system, updates to the credit-related activities of the second subset of non-customer consumers in the first computer storage;

program instructions for identifying, by the trigger notification system, one or more second updates associated with the first client'"'"'s trigger events file for the second subset of non-customer consumers;

program instructions for automatically generating, by the trigger notification system, a second electronic notification to be sent electronically to the system accessible by the first client about the identified one or more second updates for transmitting a firm offer of credit to at least one second non-customer consumer associated with at least one of the identified second updates.

14. The non-transitory computer readable medium of claim 13, wherein the first client'"'"'s pre-screen criteria are received from the system accessible by the first client.

15. The non-transitory computer readable medium of claim 13, wherein the first client'"'"'s pre-screen criteria are received from an automated system.

16. The non-transitory computer readable medium of claim 13, further comprising generating the electronic notification in less than one day from identification of the one or more updates.

17. The non-transitory computer readable medium of claim 13, wherein generating, by the trigger notification system, the electronic notification further comprises providing information enabling the first client to contact the at least first one non-customer consumer.

18. The non-transitory computer readable medium of claim 13, wherein generating, by the trigger notification system, the electronic notification further comprises providing information that includes an indication of the identified one or more updates.

19. The non-transitory computer readable medium of claim 13, wherein the information about credit-related activities of millions of consumers is dynamically received from one or more of merchants, lenders, or government entities.

20. The non-transitory computer readable medium of claim 13, wherein the credit-related activities include information associated with one or more of changes to account balances, account payment histories including notices of overdue accounts, credit rating inquiries, new lines of credit opened, credit line limit increases, credit line over-limits, address changes, judgments, liens, or bankruptcies.