Credit Monitoring and Simulation Aggregation System
AssigneeFmr LLC
InventorsErin E. Drakeley, Raji Subramaniam
Life of this patent
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Abstract
A computer-implemented method comprising: determining, by a credit management system, credit information of a user, by: receiving, by the credit management system, account information of the user, with the account information specifying balance information indicative of account balances in one or more financial accounts of the user; and receiving, by the credit management system, debt information of the user, with the debt information specifying balance information indicative of outstanding debts in the one or more financial accounts of the user; and generating, based on the received balance and debt information, a personal credit management proprietary score for the user.
Claims19
A computer-implemented method comprising:
- receiving, by a credit management system, balance information indicative of account balances in one or more financial accounts of a user;
- receiving, by the credit management system, debt information of the user, with the debt information specifying balance information indicative of outstanding debts in the one or more financial accounts of the user;
- accessing by the credit management system a table of pre-defined personal credit management proprietary scores that are mapped to pre-defined score conditions, with the pre-defined score conditions based on values of account balances and credit bureau scores;
- identifying that one of the score conditions in the table is satisfied by one or more of the balance information and the debt information in the one or more financial accounts of the user;
- and
- selecting, from the table, a personal credit management proprietary score according to the identified one of the score conditions;
- storing the selected personal credit management proprietary score with information corresponding to the user.
(canceled)
A computer program product tangibly stored on a computer readable hardware storage device, the computer program product comprising instructions for causing a credit management system to perform operations comprising:
- receiving, by the credit management system, balance information indicative of account balances in one or more financial accounts of a user;
- receiving, by the credit management system, debt information of the user, with the debt information specifying balance information indicative of outstanding debts in the one or more financial accounts of the user;
- accessing by the credit management system a table of pre-defined personal credit management proprietary scores that are mapped to pre-defined score conditions, with the pre-defined score conditions based on values of account balances and credit bureau scores;
- identifying that one of the score conditions in the table is satisfied by one or more of the balance information and the debt information in the one or more financial accounts of the user;
- and
- selecting, from the table, a personal credit management proprietary score according to the identified one of the score conditions;
- storing the selected personal credit management proprietary score with information corresponding to the user.
(canceled)
An apparatus comprising:
- a processor of a credit management system;
- and
- a computer program product stored on a computer readable hardware storage device, the computer program product comprising instructions for causing the processor to perform operations comprising:
- receiving, by the credit management system, balance information indicative of account balances in one or more financial accounts of a user;
- receiving, by the credit management system, debt information of the user, with the debt information specifying balance information indicative of outstanding debts in the one or more financial accounts of the user;
- accessing by the credit management system a table of pre-defined personal credit management proprietary scores that are mapped to pre-defined score conditions, with the pre-defined score conditions based on values of account balances and credit bureau scores;
- identifying that one of the score conditions in the table is satisfied by one or more of the balance information and the debt information in the one or more financial accounts of the user;
- and
- selecting, from the table, a personal credit management proprietary score according to the identified one of the score conditions;
- storing the selected personal credit management proprietary score with information corresponding to the user.
(canceled)
Dependencies are inferred from the claim text.