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
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First Claim
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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.

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