公开(公告)号：US11924213B2

公开(公告)日：2024-03-05

申请号：US17578238

申请日：2022-01-18

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L9/40 ,  G06F9/451 ,  G06F9/54 ,  G06F16/13 ,  G06F16/23 ,  G06F16/245 ,  G06F16/248 ,  G06F21/62 ,  G06Q40/03 ,  H04L67/306

CPC classification number: H04L63/102 ,  G06F9/451 ,  G06F9/54 ,  G06F16/13 ,  G06F16/23 ,  G06F16/2379 ,  G06F16/245 ,  G06F16/248 ,  G06F21/6218 ,  G06Q40/03 ,  H04L63/062 ,  H04L63/083 ,  H04L63/0861 ,  H04L63/0884 ,  H04L63/18 ,  H04L67/306 ,  H04L2463/121

Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.

公开(公告)号：US11265324B2

公开(公告)日：2022-03-01

申请号：US16445808

申请日：2019-06-19

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L29/06 ,  G06F16/23 ,  G06Q40/02 ,  H04L67/306 ,  G06F9/451 ,  G06F16/245 ,  G06F16/248 ,  G06F9/54 ,  G06F21/62 ,  G06F16/13

Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.

公开(公告)号：US20210194885A1

公开(公告)日：2021-06-24

申请号：US17103778

申请日：2020-11-24

Applicant: ConsumerInfo.com, Inc.

Inventor： Joe Manna ,  Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L29/06 ,  G06F16/23 ,  G06Q40/02 ,  H04L29/08 ,  G06F9/451 ,  G06F16/245 ,  G06F16/248 ,  G06F9/54 ,  G06F21/62 ,  G06F16/13

Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data

公开(公告)号：US20200076813A1

公开(公告)日：2020-03-05

申请号：US16445808

申请日：2019-06-19

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright

IPC: H04L29/06

Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.

公开(公告)号：US20200074541A1

公开(公告)日：2020-03-05

申请号：US16446213

申请日：2019-06-19

Applicant: ConsumerInfo.com, Inc.

Inventor： Pat Finneran ,  Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Donna Meryl Smith ,  Gregory Lennox Wright

IPC: G06Q40/02 ,  H04L29/08 ,  G06F16/23

Abstract: A data processing system communicates with a secure third-party database to provide updated user data that is then usable by a plurality of other entities. In some embodiments, the system may be configured to coordinate access to user account information via user-provided authentication credentials, apply account identification rules to the accessed account information to identify a plurality of accounts of the user, and initiate updates to a database record of the user at the secure third-party database associated indicative of any accounts identified.

公开(公告)号：US20200074100A1

公开(公告)日：2020-03-05

申请号：US16446299

申请日：2019-06-19

Applicant: ConsumerInfo.com, Inc.

Inventor： Michele Raneri ,  Michelle Felice-Steele ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright

IPC: G06F21/62 ,  G06F16/13

Abstract: A data processing system communicates with a secure third-party database to obtain information about a plurality of users and generates a model usable to identify other users with similar characteristics. A scoring algorithm may be selected for use on user data based on the associated users identified with the model. The scoring algorithm determines an estimated score change for the user, and may provide the user information regarding how the user can achieve the estimated score change.

公开(公告)号：US20250030695A1

公开(公告)日：2025-01-23

申请号：US18427647

申请日：2024-01-30

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L9/40 ,  G06F9/451 ,  G06F9/54 ,  G06F16/13 ,  G06F16/23 ,  G06F16/245 ,  G06F16/248 ,  G06F21/62 ,  G06Q40/03 ,  H04L67/306

Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.

公开(公告)号：US12074876B2

公开(公告)日：2024-08-27

申请号：US16855912

申请日：2020-04-22

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L9/40 ,  G06F9/451 ,  G06F9/54 ,  G06F16/13 ,  G06F16/23 ,  G06F16/245 ,  G06F16/248 ,  G06F21/62 ,  G06Q40/03 ,  H04L67/306

CPC classification number: H04L63/102 ,  G06F9/451 ,  G06F9/54 ,  G06F16/13 ,  G06F16/23 ,  G06F16/2379 ,  G06F16/245 ,  G06F16/248 ,  G06F21/6218 ,  G06Q40/03 ,  H04L63/062 ,  H04L63/083 ,  H04L63/0861 ,  H04L63/0884 ,  H04L63/18 ,  H04L67/306 ,  H04L2463/121

Abstract: A data processing system is disclosed for data processing, including database and file management, as well accessing one or more databases or other data structures, authenticating users, and categorizing data items for addition to the database system. In some embodiments, the system may be configured to coordinate access to user account information via user-provided authentication credentials; apply account identification rules to the accessed account information to identify a plurality of accounts of the user; and initiate updates to a database record associated with the user indicative of any accounts identified.

公开(公告)号：US20230007007A1

公开(公告)日：2023-01-05

申请号：US17807702

申请日：2022-06-17

Applicant: ConsumerInfo.com, Inc.

Inventor： Joe Manna ,  Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L9/40 ,  G06F16/13 ,  G06F16/248 ,  G06F21/62 ,  G06F16/23 ,  G06F9/451 ,  G06F16/245 ,  G06Q40/02 ,  H04L67/306 ,  G06F9/54

Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data

公开(公告)号：US20220217146A1

公开(公告)日：2022-07-07

申请号：US17578238

申请日：2022-01-18

Applicant: ConsumerInfo.com, Inc.

Inventor： Michelle Felice-Steele ,  Michele Raneri ,  Paul DeSaulniers ,  Joe Manna ,  Jeff Softley ,  Srikumar Puthupadi Kanthadai ,  Aga Dzhafar Hady Ogiu Dzhafarov ,  Pat Finneran ,  Donna Meryl Smith ,  Gregory Lennox Wright ,  Marizette Galvez ,  Ujjayan Banerjee ,  Ravi Devesetti ,  Shivakumar Ramanathan ,  Mukeshkumar G. Patel

IPC: H04L9/40 ,  G06F16/23 ,  G06Q40/02 ,  H04L67/306 ,  G06F9/451 ,  G06F16/245 ,  G06F16/248 ,  G06F9/54 ,  G06F21/62 ,  G06F16/13

Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.