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公开(公告)号：US09792648B1
公开(公告)日：2017-10-17
申请号：US15344003
申请日：2016-11-04
发明人： Eric Haller , Kelly Kent
CPC分类号： G06Q40/025 , G06F21/6245 , G06K9/00 , G06Q40/00
摘要： The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
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公开(公告)号：US09767309B1
公开(公告)日：2017-09-19
申请号：US15253743
申请日：2016-08-31
发明人： Rakesh Patel , Mara Nicholl , Lindsey Harju
CPC分类号： G06F21/6218 , G06F17/3053 , G06F17/30867 , G06Q40/025 , H04L63/102
摘要： A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.
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公开(公告)号：US20140258089A1
公开(公告)日：2014-09-11
申请号：US13794288
申请日：2013-03-11
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： In one embodiment, an estimated score stability system provides an approximation of a customer's historical credit scores based on trended data. These estimated credit scores can then be used to track information about a consumer over time.
摘要翻译： 在一个实施例中，估计分数稳定系统基于趋势数据提供顾客的历史信用评分的近似。 这些估计的信用评分随后可被用来追踪有关消费者的信息。
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54.发明申请公开(公告)号：US20130173451A1
公开(公告)日：2013-07-04
申请号：US13718362
申请日：2012-12-18
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.
摘要翻译： 提供了一种系统和方法，以允许消费者通过基于他的实际信用数据提交假设值来交互地探索他的信用评分。 该系统使用消费者的实际信用数据和提交的假设值来根据模拟计数卡计算模拟信用评分。 消费者然后可以观察得出的得分的变化。 该系统和记分卡可以利用比完整的信用评分卡更少的数据元素，并且可以专注于影响消费者信用评分的关键要素。 该系统可以部分地实现在web服务器上或作为独立应用。 当消费者调整假设值或者可能要求消费者肯定地提交新的假设数据时，系统还可以动态地更新分数。
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公开(公告)号：US12132837B2
公开(公告)日：2024-10-29
申请号：US18153587
申请日：2023-01-12
CPC分类号： H04L9/3213 , H04L9/0894 , H04L9/3247 , H04L63/0428 , H04L63/08 , H04L63/10 , H04L63/0807 , H04L63/0815
摘要： Embodiments include a method for providing tokens which includes: receiving from a user system an encrypted data packet including user credentials and a request for an authentication token to access protected resources; extracting the user's security information; transmitting a data packet to a security and access management system, where the data packet includes the user's security information and a request for user validation; receiving, from the security and access management system, user validation and additional data; generating a thin token and a fat token; storing the thin token in association with the fat token; transmitting the thin token to the user system; receiving, from the user system, a request to access protected resources from a protected resource system, the request including the thin token; validating the received thin token; accessing the fat token associated with the thin token; and transmitting the fat token to the protected resource system.
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公开(公告)号：US20240346580A1
公开(公告)日：2024-10-17
申请号：US18502317
申请日：2023-11-06
发明人： Hua Hu , Luz M. Torrez
摘要： One embodiment of a system for automatically generating code for attributes includes a credit bureau data store that stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus. The system may include an input module which receives, from a user system, a document comprising pseudo-code defining attributes including credit bureau specific logic; an error checking module which automatically performs error checking and provides error correcting information on the document; an attribute verification module which parses the document to identify attributes and automatically retrieves rules associated with the respective credit bureaus; a document generation module which generates an attribute specification document based on the retrieved rules as applied to the attributes in the document; and a code generation module which generates an executable code set based on the retrieved plurality of attributes and credit bureau specific rules.
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公开(公告)号：US12073448B1
公开(公告)日：2024-08-27
申请号：US17948081
申请日：2022-09-19
IPC分类号： G06Q30/06 , G06Q30/0601 , G06Q40/03 , G07C5/08
CPC分类号： G06Q30/0623 , G06Q30/0641 , G06Q40/03 , G07C5/08
摘要： One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user's interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.
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公开(公告)号：US12019689B1
公开(公告)日：2024-06-25
申请号：US18188697
申请日：2023-03-23
IPC分类号： G06F16/00 , G06F16/21 , G06F16/9035 , G06F16/904 , G06F16/909 , G06Q30/0204
CPC分类号： G06F16/9035 , G06F16/212 , G06F16/904 , G06F16/909 , G06Q30/0205
摘要： Embodiments of a system may comprise databases and a processor that receives a first filter item and a database filter item, generates a first database based on the first filter item, integrate data from the first database into the user database to create an updated plurality of user records, generate a second database based on a selected set of records, in the updated plurality of user records, corresponding to the database filter item, determine metrics that correspond to the second database, generate a model to segregate the second database using the metrics, receive criteria, compare the segregated second database with the criteria to remove records that do not meet the criteria, cause a subsequent update to the updated second database to integrate data from the event database to create an updated diminished second database, and generate a notification including information included in the updated diminished second database.
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公开(公告)号：US20240045989A1
公开(公告)日：2024-02-08
申请号：US18112397
申请日：2023-02-21
发明人： Kevin Chen , Hua Li , Juncheng Liu , Zhixuan Wang , Shumin Guo , Eric Haller , Steve Yin
IPC分类号： G06F21/62 , G06Q50/26 , G06F16/9535 , G06F21/60 , G06Q40/03
CPC分类号： G06F21/6245 , G06Q50/265 , G06F16/9535 , G06F21/602 , G06Q40/03
摘要： Systems and methods for data aggregation and processing are provided in manner that is decentralized and preserves privacy. A data aggregation and computation system may include an interface, a controller, and one or more clusters of computation nodes. The interface may receive an inquiry from a requesting entity for computing information regarding an individual based on pieces of information held by a plurality of entities. The controller may communicate an identifier for the individual to a processor system associated with each of the entities based on the inquiry. The clusters of computation nodes may each receive encrypted data fragments from each of the processor systems, the data fragments comprising unrecognizable fragments that no individual processor system can re-assemble to recover the information, perform secure, multi-party computations based on the data fragments, and generate a result based on the secure, multi-party computations for the individual.
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公开(公告)号：US20240005393A1
公开(公告)日：2024-01-04
申请号：US18188741
申请日：2023-03-23
发明人： Eric Haller , Kelly Kent
CPC分类号： G06Q40/00 , G06F18/00 , G06Q40/03 , G06F21/6245
摘要： The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, which stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
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