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1. 发明授权

US11636540B1 Multi-bureau credit file freeze and unfreeze 有权
公开(公告)号：US11636540B1
公开(公告)日：2023-04-25
申请号：US17301500
申请日：2021-04-05
申请人： Experian Information Solutions, Inc.
发明人： Eric Haller , Kelly Kent
IPC分类号： G06Q40/02 , G06Q40/00 , G06K9/00 , G06F21/62
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.

2. 发明授权

US11631129B1 System and method for generating a finance attribute from tradeline data 有权
公开(公告)号：US11631129B1
公开(公告)日：2023-04-18
申请号：US17179098
申请日：2021-02-18
申请人： Experian Information Solutions, Inc.
发明人： Luz M. Torrez , Adam Thomas Kornegay
IPC分类号： G06Q40/02 , G06F16/25 , G06Q10/04 , G06Q10/06
摘要： Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.

3. 发明授权

US11443373B2 System and method for providing an aggregation tool 有权
公开(公告)号：US11443373B2
公开(公告)日：2022-09-13
申请号：US17110616
申请日：2020-12-03
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/04 , G06F16/90 , G06F1/00 , G06F11/07 , G06F11/22
摘要： Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

4. 发明授权

US11366860B1 Database system for dynamically generating customized models 有权
公开(公告)号：US11366860B1
公开(公告)日：2022-06-21
申请号：US16931249
申请日：2020-07-16
申请人： Experian Information Solutions, Inc.
发明人： Erik Peter Hjermstad , Tony T. Morris , Jennifer Kuhr Schwartz , Heidi Beth Haupt
IPC分类号： G06F16/00 , G06F16/9035 , G06F16/909 , G06Q30/02 , G06F16/904
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.

5. 发明授权

US11157835B1 Systems and methods for generating dynamic models based on trigger events 有权
公开(公告)号：US11157835B1
公开(公告)日：2021-10-26
申请号：US16246083
申请日：2019-01-11
申请人： Experian Information Solutions, Inc.
发明人： Erik Peter Hjermstad , Tony T. Morris , Heidi Beth Haupt , Jennifer Kuhr Schwartz
IPC分类号： G06N20/00 , G06N5/02 , G06F16/335 , G06F16/23 , G06F16/21 , G06F9/54
摘要： Embodiments of a system may comprise databases and a processor that accesses a first database and verifies that each of the plurality of client records conforms to a set of formatting guidelines and filters the records in the first database into a vehicle data subfile and a client data subfile, monitors the records in the vehicle and client data subfiles for a trigger event, generates one or more dynamic models for determining a likelihood that a client will perform an action based on the trigger event, applies the generated dynamic model(s) to generate at least one score value associated with the record including the trigger event, and generates a notification including one or more of the generated at least one score value, the one or more trigger event records, and information associated with the one or more trigger event records for transmission to a user.

6. 发明授权

US11107158B1 Automatic generation of code for attributes 有权
公开(公告)号：US11107158B1
公开(公告)日：2021-08-31
申请号：US16356979
申请日：2019-03-18
申请人： Experian Information Solutions, Inc.
发明人： Hua Hu , Luz M. Torrez
IPC分类号： G06Q40/02 , G06F8/41
摘要： One embodiment of a system for automatically generating code for attributes includes a credit bureau data that store 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.

7. 发明申请

US20210182960A1 SYSTEM AND METHOD FOR PROVIDING AN AGGREGATION TOOL 有权
公开(公告)号：US20210182960A1
公开(公告)日：2021-06-17
申请号：US17110616
申请日：2020-12-03
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/02 , G06Q40/04 , G06F16/90
摘要： Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

8. 发明授权

US10891691B2 System and method for providing an aggregation tool 有权
公开(公告)号：US10891691B2
公开(公告)日：2021-01-12
申请号：US16843028
申请日：2020-04-08
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/04 , G06F16/90 , G06F11/22 , G06F1/00 , G06F11/07
摘要： Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

9. 发明授权

US10650449B2 System and method for providing an aggregation tool 有权
公开(公告)号：US10650449B2
公开(公告)日：2020-05-12
申请号：US16545766
申请日：2019-08-20
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/04 , G06F16/90 , G06F11/22 , G06F1/00 , G06F11/07
摘要： Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

10. 发明授权

US10445152B1 Systems and methods for dynamic report generation based on automatic modeling of complex data structures 有权
公开(公告)号：US10445152B1
公开(公告)日：2019-10-15
申请号：US14975440
申请日：2015-12-18
申请人： Experian Information Solutions, Inc.
发明人： Lingyun Zhang , Mason L. Carpenter , Gregor Bonin , Shanji Xiong , Christer DiChiara , David Zaleta , Yaqi Tao
IPC分类号： G06F15/18 , G06F9/54 , G06N7/00 , G06N20/00 , G06F16/23
摘要： Various systems and methods are disclosed for accessing and traversing disparate, complex, and multi-dimensional data structures to dynamically and interactively generate reports based on automated modeling of complex and non-uniformly formatted data. Automated analysis of probabilistic functions and temporal-based data records enable non-technical users to quickly and dynamically act on time-sensitive information. In response to various user inputs, the system automatically accesses and traverses complex data structures (including, for example, frequency distribution models) calculates complex data based on the traversals, displays the calculated complex data to the user, and enters the calculated complex data into the reports.

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