US 11,308,551 B1Granted

Credit data analysis

AssigneeConsumerInfo.com, Inc.

InventorsJeffrey Bryan Mahacek, Janice Anne Rohn

Life of this patent

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Abstract

A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer's scores and the high scorers' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.

Claims17

Dependent claims

A non-transitory computer storage medium that stores executable instructions configured to cause one or more computer processors to perform operations comprising:

accessing consumer credit data associated with a consumer, wherein the consumer credit data is stored in a consumer credit database;
identifying corresponding credit impact categories for the consumer credit data, wherein the credit impact categories represent categories of credit data influencing a credit score;
for the consumer credit data corresponding to a credit impact category, determining whether the consumer credit data influences the credit score negatively or positively;
generating user interface data, wherein the user interface data is configured to display a portion of a user interface on a user device associated with a user, wherein the user interface includes, for each individual credit impact category of the credit impact categories:
a user selectable pane for the individual credit impact category, wherein the user interface comprises a plurality of columns and rows of panes;
a description of the individual credit impact category;
information related to a portion of the consumer credit data, wherein the portion corresponds to the individual credit impact category;
and
a visual indication of a negative or positive influence for the consumer credit data that corresponds to the individual credit impact category, wherein the visual indication of the negative or positive influence includes at least one of:
a first color for the negative influence or a second color for the positive influence;
receiving a selection of a particular pane by the user on the user device;
and
in response to receiving the selection of the particular pane by the user, generate additional user interface data configured to display, in a new portion of the user interface of the user device, additional information corresponding to a first credit impact category explaining how the first credit impact category affects the credit score, wherein the particular pane corresponds to the first credit impact category of the credit impact categories, wherein the additional information includes at least a portion of the consumer credit data that corresponds to the first credit impact category.

10 more elements

A computer-implemented method comprising:

accessing, by one or more processors of a computing system, consumer credit data associated with a consumer, wherein the consumer credit data is stored in a consumer credit database;
identifying, by the one or more processors, corresponding credit impact categories for the consumer credit data, wherein the credit impact categories represent categories of credit data influencing a credit score;
for the consumer credit data corresponding to a credit impact category, determining, by the one or more processors, whether the consumer credit data influences the credit score negatively or positively;
generating, by the one or more processors, user interface data, wherein the user interface data is configured to display a portion of a user interface on a user device associated with a user, wherein the user interface includes, for each individual credit impact category of the credit impact categories:
a first portion of the user interface for the individual credit impact category, wherein the user interface comprises a plurality of columns and rows of panes;
a description of the individual credit impact category;
information related to a portion of the consumer credit data, wherein the portion corresponds to the individual credit impact category;
and
a visual indication of a negative or positive influence for the consumer credit data that corresponds to the individual credit impact category, wherein the visual indication of the negative or positive influence includes at least one of:
a first color for the negative influence or a second color for the positive influence;
receiving a selection of a particular portion of the user interface by the user on the user device;
and
in response to receiving the selection of the particular portion of the user interface by the user, generate additional user interface data configured to display, in a new portion of the user interface of the user device, additional information corresponding to a first credit impact category explaining how the first credit impact category affects the credit score, wherein the particular portion corresponds to the first credit impact category of the credit impact categories, wherein the additional information includes at least a portion of the consumer credit data that corresponds to the first credit impact category.

10 more elements

A system comprising:

one or more processors configured to:
access consumer credit data associated with a consumer, wherein the consumer credit data is stored in a consumer credit database;
identify corresponding credit impact categories for the consumer credit data, wherein the credit impact categories represent categories of credit data influencing a credit score;
for the consumer credit data corresponding to a credit impact category, determining whether the consumer credit data influences the credit score negatively or positively;
generate user interface data, wherein the user interface data is configured to display a portion of a user interface on a user device associated with a user, wherein the user interface includes, for each individual credit impact category of the credit impact categories:
a first portion of the user interface for the individual credit impact category, wherein the user interface comprises a plurality of columns and rows of panes;
a description of the individual credit impact category;
information related to a portion of the consumer credit data wherein the portion corresponds to the individual credit impact category;
and
a visual indication of a negative or positive influence for the consumer credit data that corresponds to the individual credit impact category, wherein the visual indication of the negative or positive influence includes at least one of:
a first color for the negative influence or a second color for the positive influence;
receiving a selection of a particular portion of the user interface by the user on the user device;
and
in response to receiving the selection of the particular portion of the user interface by the user, generate additional user interface data configured to display, in a new portion of the user interface of the user device, an explanation on how a first credit impact category affects the credit score, wherein the particular portion corresponds to the first credit impact category of the credit impact categories, wherein the explanation includes at least a portion of the consumer credit data that corresponds to the first credit impact category.

11 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/504,639Filed 8 Jul 2019 · continuation
Priority: 30 Nov 2012
Granted: 19 Apr 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 40/03
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: credit; Loans; Processing thereof
G06F 3/01
Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for…: input…
G06F 3/0412
Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means: digitisers structurally integrated in a display
G06F 3/048
Input arrangements or combined input and output arrangements for interaction between user and computer: interaction techniques based on graphical…

Family

Application61/732,244Us provisional application · filed 30 Nov 2012
Application13/826,118Parent of this continuation · filed 14 Mar 2013
Application14/589,330Parent of this continuation · filed 5 Jan 2015
US 8,930,263 B1Parent of this continuation · filed 6 Jan 2015
US 10,366,450 B1Parent of this continuation
US 11,308,551 B1This patent

From the US filing history. Foreign family members aren’t listed.

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