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US 2015/0310543 A1Published application
Debt trending systems and methods
AssigneeConsumerInfo.com, Inc.
InventorTod DeBie
Life of this patent
Estimating the term…
Abstract
A debt trending device accesses credit reports and/or other financial data that is available from one or more financial data sources, for a user and extracts financial account information. The debt trending device may then analyze the account information in order to generate debt trending information that indicates in the form of lists, tables, graphs, charts, etc., information regarding multiple debt accounts associated with the user.
Claims1
A computing system for providing information associated with a plurality of consumer debts, the system comprising:
- a financial data integration module configured to retrieve financial data associated with a user, wherein the financial data comprises at least a credit report of the user, the financial data integration module being further configured to extract account information regarding each of a plurality of debt accounts associated with the user from the financial data, wherein the debt accounts are selected from the group comprising at least credit card, mortgage, automobile loan, and personal loan, and the account information for at least some of the debt accounts comprises one or more of an outstanding balance and a monthly payment amount;
- and
- a debt trending module configured to generate a user interface comprising information that is based on at least the account information for at least some of the debt accounts, the user interface indicating at least
- a total debt for each of a plurality of previous months based on calculated sums of outstanding balances for each of the plurality of debt accounts at the respective previous month;
- and
- a total debt estimate for one or more future months based on calculated sums of estimated outstanding balances for each of the plurality of debt accounts at the respective future month.
3 more elements
Dependencies are inferred from the claim text.