Circular rotational interface for display of consumer credit information

• US 9,400,589 B1
• Filed: 03/12/2013
• Issued: 07/26/2016
• Est. Priority Date: 05/30/2002
• 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): Vu, Toan
• Application Number:
  US13/797,278
• Time in Patent Office: 1,232 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A credit score user interface that may comprise a circular visual interface to view a consumer'"'"'s credit information is disclosed herein. Sections of the circular visual interface may correspond to credit categories, where each section is sized according to the impact of the associated credit category on the consumer'"'"'s credit score. One of the category sections may be selected, and credit information about a specific consumer that is related to that section may be displayed. The selected credit category may change based on touch input. A change in selection may cause new credit information related to the newly selected credit category to be displayed about the specific consumer.

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 on a credit score algorithm; and

a consumer'"'"'s summary credit information associated with respective categories of credit information used in calculation of the consumer'"'"'s credit score;

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

a plurality of sections of a circular visual computer interface, wherein each section of the plurality of sections is associated with a category of credit information and each section of the plurality of sections is a predetermined size according to the associated category'"'"'s weighting within the credit score algorithm; and

a visual section indicator that indicates one of the plurality of sections as selected within the circular visual computer interface;

accessing the credit summary information associated with a selected category of credit information, wherein the selected category comprises credit usage, age of accounts, types of accounts, payment history, or inquiries,

and wherein the user interface is configured to depict the circular visual computer interface rotating in response to a dragged touch input on the displayed circular visual computer interface, wherein the rotation causes the visual section indicator to indicate a particular section as selected by the circular visual computer interface; and

displaying at least a portion of the consumer'"'"'s credit summary information for the selected category of credit information associated with a selected section of the circular visual computer interface that is indicated as selected by the visual section indicator.

2. The non-transitory computer-readable medium of claim 1, wherein displaying at least the portion of the consumer'"'"'s credit summary information for the selected category associated with the selected section of the circular visual computer interface comprises transferring, to a client computing device, an updated user interface.

3. The non-transitory computer-readable medium of claim 1, wherein receiving credit score user interface data comprises receiving credit score user interface data from a web server.

4. The non-transitory computer-readable medium of claim 1, wherein the operations further comprise displaying consumer account information in response to receiving a touch input within the user interface.

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

6. The non-transitory computer-readable medium of claim 1 wherein displaying at least the portion of the consumer'"'"'s credit summary information for the selected category associated with the selected section of the circular visual computer interface comprises displaying a dynamic pie chart relating to information within the selected category.

7. A computerized method comprising:

receiving a credit score for a consumer generated by a credit score algorithm;

receiving credit summary information regarding the consumer, the credit summary information indicating information associated with a plurality of credit categories of a credit report of the consumer, wherein each of the credit categories has a weighting within the credit score algorithm;

storing the consumer'"'"'s credit score and credit summary information in a computer memory;

rendering, for display, a spin-wheel user interface, the spin-wheel user interface comprising a plurality of spin-wheel user interface sections each associated with a respective credit category of the plurality of credit categories, each spin-wheel user interface section set to a predetermined size according to the associated credit category'"'"'s weighting within the credit score algorithm, wherein the spin-wheel user interface illustrates relative relationships between the credit categories in calculating consumer credit scores using the credit score algorithm;

receiving a touch input from a user via a touch screen interface selecting a first of the plurality of spin-wheel user interface sections associated with a first credit category of the plurality of credit categories;

accessing a first portion of the credit summary information associated with the first credit category, wherein the first portion of the credit summary information is information associated with credit usage, age of accounts, types of accounts, payment history, or inquiries; and

displaying the first portion of the credit summary information associated with the first selected spin-wheel user interface section,

said method performed by a computing system that comprises one or more processors.

8. The method of claim 7, wherein displaying the first portion of the credit summary information associated with the first selected spin-wheel user interface section comprises rendering an updated user interface.

9. The method of claim 7, wherein receiving the credit score and credit summary information regarding the consumer comprises receiving credit score user interface data from a web server.

10. The method of claim 7 further comprising displaying consumer account information in response to receiving a second touch input via the touch screen near the first portion of the credit summary information.

11. The method of claim 7 wherein displaying the first portion of the credit summary information associated with the first selected spin-wheel user interface section comprises displaying a dynamic pie chart relating to the first portion of the credit summary information.

12. A computing device comprising:

one or more processors; and

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

receive credit information specific to a consumer comprising summary credit information associated with a plurality of credit categories;

store the credit information in a data store;

display, on a touch screen display, a visual circular rotational user interface comprising a plurality of visual credit category sections associated with respective credit categories, each visual credit category section set to a predetermined size according to the respective credit category'"'"'s weighting within a credit score algorithm, wherein the visual circular rotational user interface illustrates relative relationships between the credit categories in calculating consumer credit scores using the credit score algorithm;

display, on the touch screen display, a visual credit category section indicator configured to indicate a visual credit category section as selected;

receive a touch screen input selecting a visual credit category section, and access, in the data store, a first portion of the credit information specific to the consumer, wherein the first portion of the credit information corresponds to data associated with the selected visual credit category section, and wherein the selected visual credit category is associated with credit usage, age of accounts, types of accounts, payment history, or inquiries; and

display, on the touch screen display, the first portion of the credit information specific to the consumer.

13. The computing device of claim 12, wherein the computing device is a wireless mobile computing device.

14. The computing device of claim 13, 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.

15. The computing device of claim 12, wherein the user interface module is further configured to display consumer account information in response to receiving a second touch screen input near the display of the first portion of credit information specific to the consumer.

16. The computing device of claim 12, wherein the user interface is further configured to display a dynamic pie chart relating to the first portion of the credit information specific to the consumer.