System and method for identifying related credit inquiries

A system comprising:

• one or more databases configured to electronic files of consumers and information related to credit inquiries on the credit files of the consumers;
• a server computer communicably coupled to the one or more databases, wherein the server computer is programmed to:
• access an electronic file of a monitored user to identify a credit event, wherein the electronic file is stored in a data store;
• extract, from the electronic file information related to the credit event, the extracted information comprising a name of an initiator of the credit event and at least one other field;
• perform name matching using the name of the initiator of the credit event and stored names in master records;
• perform token-based matching using the at least one other field and corresponding fields in the master records;
• perform a lexical analysis of the name of the initiator of the inquiry event;
• determine an agreed-upon multi-module match among the name matching, the token-based matching, and the lexical analysis;
• determine, based at least in part on the agreed-upon multi-module match whether there is a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event;
• and
• responsive to a determination that there is not a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event, generate and send an alert of the identified credit event to the monitored user.

A method comprising, by a computer system comprising at least one processor and memory:

• accessing an electronic file of a monitored user to identify a credit event, wherein the electronic file is stored in a data store;
• extracting, from the electronic file information related to the credit event, the extracted information comprising a name of an initiator of the credit event and at least one other field;
• performing name matching using the name of the initiator of the credit event and stored names in master records;
• performing token-based matching using the at least one other field and corresponding fields in the master records;
• performing a lexical analysis of the name of the initiator of the inquiry event;
• determining an agreed-upon multi-module match among the name matching, the token-based matching, and the lexical analysis;
• determining, based at least in part on the agreed-upon multi-module match whether there is a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event;
• and
• responsive to a determination that there is not a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event, generating and sending an alert of the identified credit event to the monitored user.

A non-transitory computer readable medium storing software instructions thereon, the software instructions cause a computer system to:

• access an electronic file of a monitored user to identify a credit event, wherein the electronic file is stored in a data store;
• extract, from the electronic file information related to the credit event, the extracted information comprising a name of an initiator of the credit event and at least one other field;
• perform name matching using the name of the initiator of the credit event and stored names in master records;
• perform token-based matching using the at least one other field and corresponding fields in the master records;
• perform a lexical analysis of the name of the initiator of the inquiry event;
• determine an agreed-upon multi-module match among the name matching, the token-based matching, and the lexical analysis;
• determine, based at least in part on the agreed-upon multi-module match whether there is a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event;
• and
• responsive to a determination that there is not a related credit event of the monitored user that occurred within a predetermined window of time of the identified credit event, generate and send an alert of the identified credit event to the monitored user.