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91. 发明授权

US09690820B1 Database system for triggering event notifications based on updates to database records 有权
公开(公告)号：US09690820B1
公开(公告)日：2017-06-27
申请号：US15089241
申请日：2016-04-01
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Rollin M. Girulat, Jr.
IPC分类号： G06Q40/02 , G06F17/30 , G06Q10/06
CPC分类号： G06F17/30368 , G06F17/30292 , G06F17/30303 , G06F17/30309 , G06F17/30377 , G06Q10/0635 , G06Q40/02 , G06Q40/025 , G06Q40/06 , G06Q40/12
摘要： A data processing system is disclosed for accessing databases and updated data items and triggering event notifications. The data processing system may comprise a first database including a plurality of records, and a second database including a plurality of trigger indicators. The database system may further include a hardware processor configured to execute computer-executable instructions in order to: receive an update data item; identify a record corresponding to the update data item; cause an update to the record based on information included with the update data item; identify a trigger indicator corresponding to the update to the record; determine that a type of the trigger indicator matches a type of the update to the record; and generate an event notification including information included in the update.

92. 发明授权

US09563916B1 System and method for generating a finance attribute from tradeline data 有权
标题翻译：从业务数据生成财务属性的系统和方法
公开(公告)号：US09563916B1
公开(公告)日：2017-02-07
申请号：US14091232
申请日：2013-11-26
申请人： Experian Information Solutions, Inc.
发明人： Luz M. Torrez , Adam Thomas Kornegay
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025 , 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.
摘要翻译：描述了用于生成财务属性的系统和方法的实施例。在一个实施例中，系统和方法从多个信用局检索原始交易数据，检索与多个信用局中的每一个相关的行业代码数据，确定满足至少一个预定阈值的一个或多个交易行调平特征，并使用所选择的调平特征生成财务属性。

93. 发明授权

US09147217B1 Systems and methods for analyzing lender risk using vehicle historical data 有权
标题翻译：使用车辆历史数据分析贷款风险的系统和方法
公开(公告)号：US09147217B1
公开(公告)日：2015-09-29
申请号：US13099243
申请日：2011-05-02
申请人： Melinda Zabritski , Miguel Otero , Jorge N. Diaz
发明人： Melinda Zabritski , Miguel Otero , Jorge N. Diaz
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025
摘要： Systems and methods for analyzing the risk associated with lenders offering vehicle loans is determined based on historical data associated with the vehicle. Vehicle registration data for a region is accessed to determine the vehicles registered in the region and the lien holders of the vehicles. Historical data of the vehicles is accessed and analyzed to determine if any events adversely affecting the value of the vehicles, such as vehicle title brands, are associated with the vehicles. The vehicle history data is associated with the lien holders of the vehicles. A risk value may be determined for each lien holder by comparing the lien holder's total number of liens to those liens on vehicles associated with history events adversely affecting the value of the vehicle.
摘要翻译：基于与车辆相关的历史数据确定与提供车辆贷款的贷方相关的风险的系统和方法。访问区域的车辆登记数据，以确定在该地区注册的车辆和车辆的留置权。对车辆的历史数据进行访问和分析，以确定是否有任何不利影响车辆价值的事件（如车辆品牌）与车辆相关联。车辆历史数据与车辆的留置权持有者相关联。可以通过将留置权持有人的总留存数与对与车辆价值有不利影响的历史事件相关联的车辆的留置权进行比较来确定每个留置权持有者的风险值。

94. 发明授权

US09076276B1 System and method for monitoring and predicting vehicle attributes 有权
公开(公告)号：US09076276B1
公开(公告)日：2015-07-07
申请号：US14048626
申请日：2013-10-08
申请人： Experian Information Solutions, Inc.
发明人： Lynn Michele Kator , David Nemtuda , Edith Hirtenstein
IPC分类号： G01M17/00 , G07C5/00
CPC分类号： G07C5/008 , G06Q10/087 , G06Q30/0201
摘要： One embodiment of the system and method described herein provides a vehicle monitoring system that gathers reported data on a selected vehicle and alerts a user to selected events reported for that vehicle. In an embodiment, vehicle attributes are processed into a score for the vehicle, such as representing the likely life remaining, and changes in a score trigger alerts to the user.

95. 发明授权

US09053590B1 System and method for monitoring and predicting vehicle attributes 有权
标题翻译：用于监测和预测车辆属性的系统和方法
公开(公告)号：US09053590B1
公开(公告)日：2015-06-09
申请号：US14048590
申请日：2013-10-08
申请人： Experian Information Solutions, Inc.
发明人： Lynn Michele Kator , David Nemtuda , Edith Hirtenstein
IPC分类号： G06F7/00 , G07C5/00
CPC分类号： G07C5/008 , G06Q10/087 , G06Q30/0201
摘要： One embodiment of the system and method described herein provides a vehicle monitoring system that gathers reported data on a selected vehicle and alerts a user to selected events reported for that vehicle. In an embodiment, vehicle attributes are processed into a score for the vehicle, such as representing the likely life remaining, and changes in a score trigger alerts to the user.
摘要翻译：本文描述的系统和方法的一个实施例提供了车辆监控系统，其收集所选车辆上的报告数据，并向用户通知为该车辆报告的选定事件。在一个实施例中，车辆属性被处理为车辆的分数，例如表示剩余的可能寿命，并且分数的变化触发对用户的警报。

96. 发明授权

US09053589B1 System and method for monitoring and predicting vehicle attributes 有权
公开(公告)号：US09053589B1
公开(公告)日：2015-06-09
申请号：US14048583
申请日：2013-10-08
申请人： Experian Information Solutions, Inc.
发明人： Lynn Michele Kator , David Nemtuda , Edith Hirtenstein
IPC分类号： G06F7/00 , G07C5/00
CPC分类号： G07C5/008 , G06Q10/087 , G06Q30/0201
摘要： One embodiment of the system and method described herein provides a vehicle monitoring system that gathers reported data on a selected vehicle and alerts a user to selected events reported for that vehicle. In an embodiment, vehicle attributes are processed into a score for the vehicle, such as representing the likely life remaining, and changes in a score trigger alerts to the user.

97. 发明申请

US20140156503A1 SYSTEMS AND METHODS FOR PROVIDING A CUSTOMIZABLE CREDIT REPORT 审中-公开
公开(公告)号：US20140156503A1
公开(公告)日：2014-06-05
申请号：US14062145
申请日：2013-10-24
申请人： Experian Information Solutions, Inc.
发明人： Patricia Cheryl Lassen , Karthikeyan Reddy Aaravabhoomi
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： Systems and methods are provided for enabling a user to select the types of data to be included in a credit reporting product, and for generating credit reports that are configured to be dynamically updated with additional data in response to user selections. In some embodiments, data selectable by a user for inclusion in a credit report or other product may include a variety of data not typically found on traditional credit reports.

98. 发明授权

US08606666B1 System and method for providing an aggregation tool 有权
标题翻译：提供聚合工具的系统和方法
公开(公告)号：US08606666B1
公开(公告)日：2013-12-10
申请号：US12022954
申请日：2008-01-30
申请人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/00 , G06Q40/04
CPC分类号： G06F17/30943 , G06F1/00 , G06F11/07 , G06F11/22 , G06Q40/025 , G06Q40/04
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.
摘要翻译：本发明的实施例有助于开发，管理和部署多个数据源的聚合数据属性。一个实施例提供了开发接口，其允许将属性元素（包括滤波器）移动到正在编辑属性或属性元素的编码区域中。在另一个实施例中，用户界面呈现数据字段以帮助开发具有不同格式的多个数据源的过滤器。应用程序进一步提供验证界面，用户可以通过该界面验证属性，并跟踪由验证下的属性引用的各种元素返回的结果。另一实施例提供了一种用于管理属性并通过创建由属性计算系统使用的部署文件将它们部署到各种系统的系统。在一个实施例中，属性计算系统是动态地计算多个数据源的属性的可伸缩系统。

99. 发明申请

US20130173450A1 SYSTEM AND METHOD FOR AUTOMATED DETECTION OF NEVER-PAY DATA SETS 有权
标题翻译：用于自动检测无用数据集的系统和方法
公开(公告)号：US20130173450A1
公开(公告)日：2013-07-04
申请号：US13718004
申请日：2012-12-18
申请人： Experian Information Solutions, Inc.
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q30/06 , G06Q40/00
摘要： Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
摘要翻译：用于识别和/或预测未付款人口的数据过滤器，模型和/或配置文件（例如，提出信用请求和获取信用工具的客户，但在帐户的整个使用期限内，从不进行付款）可用于各种商业实体，例如发放抵押贷款，房屋信贷额度，消费者或商业信用额度，汽车贷款，信用卡账户或提供服务的实体，如公用事业服务，电话服务，以及喜欢。

100. 发明授权

US08364588B2 System and method for automated detection of never-pay data sets 有权
标题翻译：用于自动检测从不付费数据集的系统和方法
公开(公告)号：US08364588B2
公开(公告)日：2013-01-29
申请号：US12875045
申请日：2010-09-02
申请人： Christopher J. Celka , Cristian R. Rojas
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q30/06 , G06Q40/00
摘要： Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
摘要翻译：用于识别和/或预测未付款人口的数据过滤器，模型和/或配置文件（例如，提出信用请求和获取信用工具的客户，但在帐户的整个使用期限内，从不进行付款）可用于各种商业实体，例如发放抵押贷款，房屋信贷额度，消费者或商业信用额度，汽车贷款，信用卡账户或提供服务的实体，如公用事业服务，电话服务，以及喜欢。

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