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41. 发明申请

US20110016042A1 SYSTEM AND METHOD FOR TRACKING AND ANALYZING LOANS INVOLVED IN ASSET-BACKED SECURITIES 审中-公开
标题翻译：跟踪和分析参与资产负债证券的贷款的系统和方法
公开(公告)号：US20110016042A1
公开(公告)日：2011-01-20
申请号：US12933073
申请日：2009-03-18
申请人： Soogyung Cho , Matt R. Schwab , Kerry Lee Williams
发明人： Soogyung Cho , Matt R. Schwab , Kerry Lee Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q40/025
摘要： Embodiments of the disclosure are directed to providing unique loan identifiers to track loans involved in Asset-Backed Securities (ABS) throughout the life-cycle of the individual loans, in one embodiment, a unique loan identifier, for example, a loan number, may be appended to loan data at initiation of each loan, for example, at the application stage, to and/or beyond the retirement of the loan. The unique loan identifiers may allow disparate financial data sources such as the credit histories of the borrowers to be associated with the individual loans, even as the loans are repackaged and resold as ABS in the secondary markets. Thus, market participants such as loan servicers and investors can access current and historical data associated with the loans. Other embodiments are directed to analyzing the data associated with the underlying loans and providing the analysis to the market participants including servicers, investors, and underwriters.
摘要翻译：本公开的实施例旨在提供唯一的贷款标识符来跟踪在个人贷款的整个生命周期中参与资产支持证券（ABS）的贷款，在一个实施例中，唯一的贷款标识符，例如贷款号码，可以在贷款开始时，例如在申请阶段，贷款的退休时间和/或之后，追加贷款数据。唯一的贷款标识符可以允许不同的财务数据来源，例如借款人的信用记录与个人贷款相关联，即使贷款在二级市场被重新包装和转售为ABS。因此，贷款服务商和投资者等市场参与者可以获取与贷款相关的当前和历史数据。其他实施例旨在分析与相关贷款相关联的数据，并向包括服务商，投资者和承销商在内的市场参与者提供分析。

42. 发明授权

US11962681B2 Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network 有权
公开(公告)号：US11962681B2
公开(公告)日：2024-04-16
申请号：US18295694
申请日：2023-04-04
申请人： Experian Information Solutions, Inc.
发明人： Vijay Mehta , Alexander Phan
IPC分类号： H04L9/06 , H04L9/08 , H04L9/16 , H04L67/1074
CPC分类号： H04L9/0637 , H04L9/0822 , H04L9/0891 , H04L9/0894 , H04L9/16 , H04L67/1074
摘要： Features for providing a secure method of symmetric encryption for private smart contacts among multiple parties in a private peer-to-peer network. The features include a master key representing a unique blockchain ledger. The master key may be shared among multiple participants in a private peer-to-peer network. Sharing of the master key may include communicating the master key in an encrypted message (e.g., email) using public key infrastructure (PKI). In some implementations, more complex distribution features may be includes such as quantum entanglement. The features support instantiation of a smart contract using a specific master key. The request may be submitted as an entry to the ledger with appropriate metadata and/or payload information for identifying and processing the request.

43. 发明授权

US11908005B2 System and method for providing an aggregation tool 有权
公开(公告)号：US11908005B2
公开(公告)日：2024-02-20
申请号：US17818066
申请日：2022-08-08
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Magali Courbage , Richard Rodenbusch , Jean-Dominique Morani
IPC分类号： G06Q40/00 , G06Q40/03 , G06Q40/04 , G06F16/90 , G06F1/00 , G06F11/07 , G06F11/22
CPC分类号： G06Q40/03 , G06F16/90 , G06Q40/04 , 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.

44. 发明公开

US20240048357A1 SYMMETRIC ENCRYPTION FOR PRIVATE SMART CONTRACTS AMONG MULTIPLE PARTIES IN A PRIVATE PEER-TO-PEER NETWORK 审中-公开
公开(公告)号：US20240048357A1
公开(公告)日：2024-02-08
申请号：US18295694
申请日：2023-04-04
申请人： Experian Information Solutions, Inc.
发明人： Vijay Mehta , Alexander Phan
IPC分类号： H04L9/06 , H04L9/08 , H04L67/1074 , H04L9/16
CPC分类号： H04L9/0637 , H04L9/0822 , H04L9/0891 , H04L9/0894 , H04L67/1074 , H04L9/16
摘要： Features for providing a secure method of symmetric encryption for private smart contacts among multiple parties in a private peer-to-peer network. The features include a master key representing a unique blockchain ledger. The master key may be shared among multiple participants in a private peer-to-peer network. Sharing of the master key may include communicating the master key in an encrypted message (e.g., email) using public key infrastructure (PKI). In some implementations, more complex distribution features may be includes such as quantum entanglement. The features support instantiation of a smart contract using a specific master key. The request may be submitted as an entry to the ledger with appropriate metadata and/or payload information for identifying and processing the request.

45. 发明授权

US11880377B1 Systems and methods for entity resolution 有权
公开(公告)号：US11880377B1
公开(公告)日：2024-01-23
申请号：US17703909
申请日：2022-03-24
申请人： Experian Information Solutions, Inc.
发明人： Alan Tsang , Zehua Guo , Derek John Toub , Mustafa Yakub Adib , Yue Yu , Shervin Sharifi , Christer Dichiara , Hua Li , Wis Kojohnjaratkul , Stuart Anthony Mathews
IPC分类号： G06F7/00 , G06F16/2458
CPC分类号： G06F16/2468
摘要： Systems and methods are described for identifying a target entity that a user intends to refer to based on input that may include only a partial name of the entity. A system may receive a user's entity search query, which may include a partial entity name, then may determine initial candidate matching entities and associated name match scores for each of the initial candidate matching entities relative to the input string, such as using string matching or fuzzy matching techniques. The system may apply a probability match model to generate an overall match score for individual ones of the initial candidate matching entities, then may generate a response to the entity search query that includes information regarding one or more of the initial candidate matching entities with an overall match score exceeding a threshold.

46. 发明授权

US11681733B2 Massive scale heterogeneous data ingestion and user resolution 有权
公开(公告)号：US11681733B2
公开(公告)日：2023-06-20
申请号：US17457757
申请日：2021-12-06
申请人： Experian Information Solutions, Inc.
发明人： Anukool Rege , Prashant Kumar Sahay , Mervyn Lally , Shirish Kumar , Sanskar Sahay
IPC分类号： G06F16/335 , G06F16/901 , G06F16/2457 , G06Q40/03 , G06F16/9535
CPC分类号： G06F16/337 , G06F16/24573 , G06F16/9014 , G06Q40/03 , G06F16/9535
摘要： This disclosure relates to data association, attribution, annotation, and interpretation systems and related methods of efficiently organizing heterogeneous data at a massive scale. Incoming data is received and extracted for identifying information (“information”). Multiple dimensionality reducing functions are applied to the information, and based on the function results, the information are grouped into sets of similar information. Filtering rules are applied to the sets to exclude non-matching information in the sets. The sets are then merged into groups of information based on whether the sets contain at least one common information. A common link may be associated with information in a group. If the incoming data includes the identifying information associated with to the common link, the incoming data is assigned the common link. In some embodiments, incoming data are not altered but assigned into domains.

47. 发明授权

US11562457B2 Automated analysis of data to generate prospect notifications based on trigger events 有权
公开(公告)号：US11562457B2
公开(公告)日：2023-01-24
申请号：US17664842
申请日：2022-05-24
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Armando L. Ramos , Stephen R. Meeks , Michele M. Pearson , Pamela Jean Fielding
IPC分类号： G06Q30/00 , G06Q90/00 , G06Q30/02 , G06Q40/02
摘要： Systems and methods are described for identifying a subset of interest from a general population and for monitoring a database of daily activity logs associated with the general population in order to identify database entries indicative of an occurrence of a pre-defined trigger event that is associated with a member of the subset of interest. In particular, systems and methods are described that allow a massive database of daily activity logs to be monitored to identify trigger events that have occurred within the past twenty-four hours or other very recent time period. Embodiments are described that may be advantageously used by a provider of credit-related products and/or services who wishes to accurately target prospective customers, identified by the system, based on occurrence of a trigger event, as being in a decision-making phase of credit shopping, for purposes of making a timely and targeted offering relevant to the customers' current activities.

48. 发明申请

US20220327653A1 AUTOMATED ANALYSIS OF DATA TO GENERATE PROSPECT NOTIFICATIONS BASED ON TRIGGER EVENTS 有权
公开(公告)号：US20220327653A1
公开(公告)日：2022-10-13
申请号：US17664842
申请日：2022-05-24
申请人： EXPERIAN INFORMATION SOLUTIONS, INC.
发明人： Armando L. Ramos , Stephen R. Meeks , Michele M. Pearson , Pamela Jean Fielding
IPC分类号： G06Q90/00 , G06Q30/02 , G06Q40/02
摘要： Systems and methods are described for identifying a subset of interest from a general population and for monitoring a database of daily activity logs associated with the general population in order to identify database entries indicative of an occurrence of a pre-defined trigger event that is associated with a member of the subset of interest. In particular, systems and methods are described that allow a massive database of daily activity logs to be monitored to identify trigger events that have occurred within the past twenty-four hours or other very recent time period. Embodiments are described that may be advantageously used by a provider of credit-related products and/or services who wishes to accurately target prospective customers, identified by the system, based on occurrence of a trigger event, as being in a decision-making phase of credit shopping, for purposes of making a timely and targeted offering relevant to the customers' current activities.

49. 发明授权

US11436606B1 System and architecture for electronic fraud detection 有权
公开(公告)号：US11436606B1
公开(公告)日：2022-09-06
申请号：US17208327
申请日：2021-03-22
申请人： Experian Information Solutions, Inc.
发明人： Neli Coleman , Lloyd Laudorn , Raymond Martin Boileau
IPC分类号： G06Q40/00 , G06Q20/40
摘要： Embodiments of an electronic fraud analysis platform system are disclosed which may be used to analyze tax returns for potential fraud. Analysis of tax return data using the tax return analysis platform computing systems and methods discussed herein may provide insight into whether a tax return may be fraudulent based on, for example, an initial screening component configured to filter tax returns which appear fraudulent due to missing or inaccurate information provided with the return; a device activity analysis component configured to identify whether a device used to submit a tax return or to provide further authentication information needed to complete processing of the return may have been used in other fraudulent activities; and a knowledge-based authentication component configured to identify potential fraudsters using dynamically generated questions for which fraudsters typically do not know the answers.

50. 发明授权

US11257117B1 Mobile device sighting location analytics and profiling system 有权
公开(公告)号：US11257117B1
公开(公告)日：2022-02-22
申请号：US16698546
申请日：2019-11-27
申请人： Experian Information Solutions, Inc.
发明人： Alan Tsang , Andrew John Hickman , Honghao Shan , Yaqi Tao , Gregor Bonin , Shanji Xiong , Lingyun Zhang
IPC分类号： G06Q30/02 , H04W64/00 , H04W4/02
摘要： The present disclosure describes systems and methods for providing enhanced location analysis and consumer insights using mobile sightings data. An approximate geographic location is useful to mobile service providers and advertisers who wish to provide targeted content to consumers based on their location. The location analysis described herein provides more depth and detail about the detected geographic location of the consumer and also insights into business locations visited by the user of the device, consumer/market segments and patterns of behavior (for an individual consumer and/or for aggregated group of consumers), retail trends and patterns, and other profile information. For example, a location profile analytics system as described herein can determine a probability that an approximate geographic location actually corresponds to a specific geographic location, such as a business location. The analysis performed by the location profile analytics system may be further refined based on a number of additional input parameters.

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