US20200402159A1 - Credit utilization tracking and reporting - Google Patents
Credit utilization tracking and reporting Download PDFInfo
- Publication number
- US20200402159A1 US20200402159A1 US16/852,285 US202016852285A US2020402159A1 US 20200402159 A1 US20200402159 A1 US 20200402159A1 US 202016852285 A US202016852285 A US 202016852285A US 2020402159 A1 US2020402159 A1 US 2020402159A1
- Authority
- US
- United States
- Prior art keywords
- credit
- consumer
- utilization
- data
- computer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G06Q40/025—
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- Credit utilization is generally an amount of credit used by a consumer compared to a total amount of credit available to the consumer.
- aspects of the present disclosure relate to a computer system which includes one or more processors and a tangible storage device storing a credit utilization tracking module configured for execution by the one or more computer processors.
- the credit utilization tracking module may store credit utilization at multiple points in time, and the credit utilization at each point in time may indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time.
- the credit utilization tracking module may determine one or more thresholds for respective credit lines. The thresholds may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds.
- the levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.
- the credit utilization tracking module may, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, provide a notification to the consumer.
- the notification to the consumer may suggest lowering credit utilization for the credit line, switching to a credit line with lower credit utilization, or moving debt from the credit line exceeding the high threshold to one or more other credit lines.
- aspects of the present disclosure include a computer system which includes one or more computer processors configured to execute instructions in order to cause the computer to perform operations.
- the operations include, for each of a plurality of credit lines associated with a consumer, storing credit utilization (and/or data that is usable to determine credit utilization) at multiple points in time.
- the credit utilization at each point in time indicates a relationship between a total credit limit and an available credit amount for respective credit liens at respective points in time.
- the operations may include determining one or more thresholds for respective credit lines, the thresholds indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds.
- the operations may also include for each of the plurality of credit lines, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, providing a notification to the consumer.
- aspects of the present disclosure include a non-transitory computer-readable storage medium, which includes computer-executable instructions.
- the computer-executable instructions may direct a computing system to store credit utilization at multiple points in time for each of a plurality of credit lines associated with a consumer.
- the credit utilization at each point in time may indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time.
- the computer executable instructions may direct a computing system to determine one or more thresholds for respective credit lines.
- the thresholds may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds.
- the levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.
- the computer executable instructions may, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, provide a notification to the consumer suggesting the consumer to lower credit utilization for the credit line, switching to a credit line with lower credit utilization, or move available credit from other credit lines to the credit line exceeding the high threshold.
- FIG. 1 is a flow diagram illustrating one embodiment a credit utilization tracking system in communication with a credit bureau and a consumer.
- FIG. 2 is a block diagram illustrating one embodiment of a computing system used for credit utilization tracking.
- FIG. 3 is an example user interface that may be generated and presented to a user to indicate historical credit utilization of individual credit lines.
- FIGS. 4A and 4B (collectively labeled FIG. 4 ) illustrate example user interfaces that may be provided for display on a user device to provide information regarding credit utilization.
- FIG. 5 is an example user interface that may be generated and presented to a user to customize credit utilization thresholds.
- Credit utilization may be determined based on all the credit lines of a consumer. For example, if a consumer has a total of four credit lines, the consumer's credit utilization may be determined as the total amount of credit used across all the four credit lines and the total amount of credit available across all four credit lines. Credit utilization may be tracked on a month-to-month basis, such as because most creditors report credit data to credit bureaus on a monthly basis.
- FIG. 1 is a flow diagram illustrating one embodiment a credit utilization tracking system 130 in communication with a credit bureau 110 and a consumer 120 .
- Credit Bureau 110 may include credit bureaus and other credit counseling, credit repairing, and/or credit monitoring services and entities that help consumers keep track of credit utilization.
- consumer 120 may include individual consumers, groups of individuals (e.g., married couple, family, group of friends, etc.) small businesses, large business entities, and so forth.
- the credit bureau 110 may send credit data 140 to a credit utilization tracking system 130 through a network 150 .
- Credit data 140 may include information that is usable to calculate utilization of various financial instruments, such as credit cards, mortgage loans, car loans, lines of credit from financial lenders, home equity line of credit, and so forth. Credit data 140 may also include payment terms, payment history information, interest rates, delinquency records, and so forth.
- the network 150 may comprise one or more of a LAN, WAN, and/or the Internet. The network 150 communicates with various modules, computing devices and/or other electronic devices via wired or wireless communication links, and/or combination of wired and wireless communication links.
- Credit utilization tracking system 130 may receive the credit data 140 from a credit bureau 110 , and process the received information using the utilization tracking module 132 .
- the utilization tracking module 132 may parse the received credit data into a format that may be processed by the credit utilization tracking system 130 .
- the utilization tracking module 132 may calculate credit utilization for a particular credit line based on the received credit data.
- credit utilization ratio Amount of Credit Used/Total Amount of Available.
- a credit report may include the amount of credit used and a total amount of credit available for respective credit lines of a consumer, such that credit utilization may be calculated using the information in a credit report.
- Credit issuers typically report account data for any particular consumer once a month (or other predetermined time period). Thus, credit utilization for a particular consumer on a particular credit line may be updated about once a month based on credit data of the consumer in the consumer's credit data. If credit data is obtained directly from a credit issuer, credit utilization for such a credit line may be updated on a daily basis, or even more frequently on a transaction basis, such that after each transaction on the credit line and updated credit utilization may be calculated.
- credit utilization is calculated on a monthly basis, such as based on information that is updated monthly in consumer credit data.
- credit utilization may be calculated on any other frequency, and/or based on data from other sources (e.g. instead of, or in addition to, credit data).
- a different formula can be used to calculated credit utilization ratio that is different from the formula above.
- credit utilization may be calculated in a way that gives more weight to credit used on cash advances versus otherwise.
- Credit utilization ratio may be represented as a percentage between 0% and 100%, a number between 0 and 1, on an academic scale from A-F, in the format of a bar chart, a pie chart, or in any other manner.
- the utilization tracking module 132 may calculate a credit utilization ratio for an individual credit line based on historical credit information in data store 138 at multiple points in time. For example, the utilization tracking system 130 may have tracked a particular consumer's credit line utilization data for 5 years on a daily, weekly, bi-weekly, monthly, and/or yearly basis. Thus, for a particular credit line the utilization tracking module 132 may have stored (and/or may calculated based on stored historical credit data) the consumer's credit utilization ratio for any day during the 5-year period using the total amount of credit available of a particular day and the total amount of available credit on the same day.
- the data store 138 may store credit line utilization data every day, every 2 weeks, every month, and/or other period. In some embodiments, credit utilization data is not stored by the 38 , but rather, the data store 138 stores the credit line account information that is usable to calculate the consumers credit utilization of any previous point in time.
- credit utilization data is reported by a credit bureau on a monthly basis, but more fine-grained data may be available in the format of a statement and/or a credit report. In some other cases, credit utilization data is reported bi-weekly.
- the credit utilization system may extract credit data 140 from statements, and/or credit reports sent from credit bureau 110 via network 150 .
- credit data 140 regarding a consumer may be non-consecutive, such as when credit data 140 is missing for a particular period of time.
- the utilization tracking module 132 may still use a formula, including the formula discussed above, to calculate a credit utilization ratio using the available credit data regarding a particular credit line. However, the utilization tracking module 132 may not be able to calculate credit utilization ratio regarding a particular credit line for days that credit data about the particular credit line is not available.
- the utilization tracking module 132 calculates historical credit utilization ratio for a particular credit line of a business and/or an organization at multiple points in time.
- the business and/or organization's credit data such as amount of credit used and total amount of available credit for a particular credit line, may be stored in data store 138 .
- the business and/or organization's credit data is not stored at the data store 138 , but rather, the data store 138 stores the credit line account information that is usable to calculate the business and/or organization's credit utilization of any previous point in time.
- the user interface module 134 generates and presents user interfaces to consumers.
- the user interface module 134 may also enable features on user interfaces so that consumers may customize the user interfaces presented to them. Details regarding the generation, presentation, and customization of user interfaces are discussed further below.
- the user interface module may also allow consumers to set their own credit utilization thresholds and configure when they wish to receive alerts and/or messages regarding credit utilization.
- the reporting and alert module 136 may generate reports, messages, and/or alerts that may be sent to a consumer.
- the reports, messages, and/or alerts may be presented in the format of a webpage, a text message, an e-mail, and/or a mobile application, and so forth.
- the generation of the reports, messages, and/or alerts may be triggered when a consumer's credit utilization ratio for a particular credit card, for example, exceeds a particular credit utilization threshold, as discussed further below.
- the data store 138 may be implemented using a relational database, such as Sybase, Oracle, CodeBase and Microsoft® SQL Server as well as other types of databases such as, for example, a flat file database, an entity-relationship database, and object-oriented database, a record-based database, and/or an unstructured database.
- a relational database such as Sybase, Oracle, CodeBase and Microsoft® SQL Server
- other types of databases such as, for example, a flat file database, an entity-relationship database, and object-oriented database, a record-based database, and/or an unstructured database.
- FIG. 2 is a block diagram illustrating example components of one embodiment of the credit utilization tracking system 130 .
- the computing system 130 may be used to implement systems and methods described in this disclosure.
- the computing system 130 includes, for example, a computer that may be IBM, Macintosh, or Linux/Unix compatible or a server or workstation.
- the computing system 130 comprises a server, desktop computer, a tablet computer, or laptop computer, for example.
- the exemplary computing system 130 includes one or more central processing units (“CPUs”) 204 , which may each include a conventional or proprietary microprocessor.
- the computing system 130 further includes one or more memory 206 , such as random access memory (“RAM”) for temporary storage of information, one or more read only memory (“ROM”) for permanent storage of information, and one or more mass storage device 201 , such as a hard drive, diskette, solid state drive, or optical media storage device.
- RAM random access memory
- ROM read only memory
- mass storage device 201 such as a hard drive, diskette, solid state drive, or optical media storage device.
- the modules of the computing system 130 are connected to the computer using a standard based bus system 208 .
- the standard based bus system could be implemented in Peripheral Component Interconnect (“PCI”), Microchannel, Small Computer System Interface (“SCSI”), Industrial Standard Architecture (“ISA”) and Extended ISA (“EISA”) architectures, for example.
- PCI Peripheral Component Interconnect
- SCSI Microchannel, Small Computer System Interface
- ISA Industrial Standard Architecture
- EISA Extended ISA
- the functionality provided for in the components and modules of computing system 130 may be combined into fewer components and modules or further separated into additional components and modules.
- the computing system 130 is generally controlled and coordinated by operating system software, such as Windows XP, Windows Vista, Windows 7, Windows 8, Windows Server, Unix, Linux, SunOS, Solaris, or other compatible operating systems.
- operating system software such as Windows XP, Windows Vista, Windows 7, Windows 8, Windows Server, Unix, Linux, SunOS, Solaris, or other compatible operating systems.
- the operating system may be any available operating system, such as MAC OS X.
- the computing system 130 may be controlled by a proprietary operating system.
- Conventional operating systems control and schedule computer processes for execution, perform memory management, provide file system, networking, I/O services, and provide a user interface, such as a graphical user interface (“GUI”), among other things.
- GUI graphical user interface
- the exemplary computing system 130 may include one or more commonly available input/output (I/O) devices and interfaces 205 , such as a keyboard, mouse, touchpad, and printer.
- I/O devices and interfaces 205 include one or more display devices, such as a monitor, that allows the visual presentation of data to a user. More particularly, a display device provides for the presentation of GUIs, application software data, and multimedia presentations, for example.
- the computing system 130 may also include one or more multimedia devices, such as speakers, video cards, graphics accelerators, and microphones, for example.
- the I/O devices and interfaces 205 provide a communication interface to various external devices.
- the computing system 130 also includes a utilization tracking module 132 that may be stored in the mass storage device 201 as executable software codes that are executed by the CPU 204 .
- This module may include, by way of example, components, such as software components, object-oriented software components, class components and task components, processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables.
- the computing system 130 is also configured to execute the reporting and alert module 136 and user interface module 134 in order to implement functionality described elsewhere herein.
- the processing module may perform methods described with reference to any of various modules described above with reference to the information management system 110 and/or the credit report generation system 130 , depending on the embodiment.
- module refers to logic embodied in hardware or firmware, or to a collection of software instructions, possibly having entry and exit points, written in a programming language, such as, for example, Java, Lua, C or C++.
- a software module may be compiled and linked into an executable program, installed in a dynamic link library, or may be written in an interpreted programming language such as, for example, BASIC, Perl, or Python. It will be appreciated that software modules may be callable from other modules or from themselves, and/or may be invoked in response to detected events or interrupts.
- Software modules configured for execution on computing devices may be provided on a computer readable medium, such as a compact disc, digital video disc, flash drive, or any other tangible medium.
- Such software code may be stored, partially or fully, on a memory device of the executing computing device, such as the computing system 130 , for execution by the computing device.
- Software instructions may be embedded in firmware, such as an EPROM.
- hardware modules may be comprised of connected logic units, such as gates and flip-flops, and/or may be comprised of programmable units, such as programmable gate arrays or processors.
- the modules described herein are preferably implemented as software modules, but may be represented in hardware or firmware. Generally, the modules described herein refer to logical modules that may be combined with other modules or divided into sub-modules despite their physical organization or storage.
- one or more computing systems, data stores and/or modules described herein may be implemented using one or more open source projects or other existing platforms.
- one or more computing systems, data stores and/or modules described herein may be implemented in part by leveraging technology associated with one or more of the following: Drools, Hibernate, JBoss, Kettle, Spring Framework, NoSQL (such as the database software implemented by MongoDB) and/or DB2 database software.
- FIG. 3 is an example user interface 300 that may be generated and presented to a user to indicate historical credit utilization of particular credit lines.
- the credit utilization tracking system 130 tracks credit usage information regarding three credit lines of a consumer.
- the three credit lines in this example include a Discover® account, a Gold Visa® account, and an American Express® account.
- historical credit utilization of the consumer's three credit lines is represented monthly from Dec. 16, 2012 to May 16, 2013.
- a credit utilization ratio for each credit line over the time period is displayed, including monthly credit utilization of the consumer's Discover® account ( 305 ), monthly credit utilization of the consumer's Gold Visa® account ( 310 ), and monthly credit utilization of the consumer's American Express® account ( 315 ).
- Credit utilization ratios between each month are connected in a line graph. In other embodiments, other types of visualizations may be provided to show the user's historical credit utilization for each of one or more credit lines.
- the user interface 300 may also display one or more credit utilization thresholds.
- the user interface 300 may include a high utilization threshold and a low utilization threshold. In some embodiments, more thresholds are displayed.
- the high threshold 320 represents 75% credit utilization and the low threshold 325 represents 25% credit utilization. In some other cases, a different high threshold 320 and/or a different low threshold 325 may be used in the user interface 300 .
- the credit utilization tracking system 130 automatically generates one or more credit utilization threshold based on historical credit utilization of a particular credit line of a consumer. For example, based on calculations performed by the utilization tracking module, the average credit utilization ratio of a consumer for the past 12 months may be 35%. Accordingly, the credit utilization tracking system may set a credit utilization threshold of 35% (or slightly above) for the consumer. Although the duration of 12 months is used in this example, any other duration may also be used to calculate the average credit utilization ratio of a consumer for any period of time for which credit utilization data is available.
- the consumer's 25 th percentile of credit utilization ratio for the past 3 years is 45%
- the consumer's 75 th percentile of credit utilization ratio for the past 3 years is 80%.
- the credit utilization tracking system may select 45% and 80% as the low credit utilization threshold and the high credit utilization threshold for the consumer, respectively.
- the duration of 3 years is used in this example, any other duration may also be used to calculate the average credit utilization ratio of a consumer for any period of time for which credit utilization data is available.
- the credit utilization tracking system 130 may automatically generates one or more credit utilization thresholds based on whether using more credit over the one or more thresholds would negatively impact the consumer's credit score.
- the credit utilization tracking system 130 may calculate the one or more credit utilization thresholds and how the consumer's credit score may be impacted by increased credit utilization based on statistical analysis of historical credit utilization data about a consumer, the consumer's credit lines, and other related information.
- the credit utilization tracking system 130 may use a formula or information from a consumer's credit report to calculate the one or more credit utilization thresholds.
- information from one or more credit bureaus is accessed in order to determine a credit utilization that causes a negative impact (or positive impact) on a consumer's credit score based on one or more credit score formulas used by the one or more credit bureaus.
- thresholds may be set based on information obtained from the one or more credit bureaus. In the example of FIG. 3 , a high and low credit threshold are the same for each of the three credit cards, where the high utilization threshold may indicate a level at which the consumers credit score begins to be impacted.
- a flag 330 is shown for the Discover account on Mar. 16, 2013. This indicates that the credit utilization ratio on Mar. 16, 2013 has exceeded the high threshold of 75% as indicated by the high threshold 320 . If a consumer clicks the flag, the interface 300 may display a note to the consumer. For example, if spending more money using the credit line would negatively impact a consumer's credit score, the note may inform the consumer that his or her credit score might be lowered, and he or she should consider using other credit lines if available.
- the interface 300 may display a note that not only informs the consumer that he or she has reached one or more credit utilization thresholds, but also suggests which other credit lines with lower credit utilization ratio might be available. For example, in the particular case shown in FIG. 3 , the interface 300 may generate and display a note to the consumer indicating that credit utilization of the Discover credit line has exceeded the high threshold 320 on Mar. 16, 2013. Moreover, the interface 300 may suggest that the consumer consider using the American Express credit line because credit utilization of the American Express credit line is the lowest among the consumer's three available credit lines. In addition, for Mar. 16, 2013, the credit utilization of the American Express credit line is lower than the low credit utilization threshold.
- the user interface may simulate in effect on the user's credit score if credit utilization increases above the high threshold. For example, user interface may indicate that if the user spends a certain amount of money on the Discover credit card and increases the credit utilization to 80%, the consumer's credit score may draw from 630 to 629 . Other similar simulations of impacts to consumer credit scores based on credit utilization may also be provided. Based on the simulations, a consumer may be provided with a recommendation to move some amount of debt from one credit line to another credit line, if possible. In some embodiments, a suggestion to move a portion of available credit on a credit line to another credit line in order to improve (e.g., reduce) credit utilization of the credit line that has a high credit utilization. For example, if multiple credit lines are associated with a credit issuer, the credit issuer may allow transfer of available credit between credit lines.
- FIGS. 4A and 4B illustrate example user interfaces that may be provided for display on a user device to provide information regarding credit utilization.
- a mobile user interface 410 is shown.
- the mobile user interface 410 in this example includes a message/alert.
- Message/alert 415 informs a consumer that the consumer's credit utilization of Visa® card ending in 7273 for the month of November is above the 70% credit utilization threshold.
- the user interface 410 may be a text messaging user interface (and the alert 415 may be a text message), a standalone application, a browser, and/or any other user interface.
- the user may have options to specify that alerts are sent when the consumer's credit utilization has exceeded one or more credit utilization thresholds.
- the consumer may wish to receive alerts only when credit utilization ratio is high enough to negatively impact credit score or the increase of credit utilization ratio is sharp enough to indicate probability of fraudulent activities.
- alerts may include links to further information regarding the consumer's credit utilization. For example, in embodiment of FIG. 4A , the consumer may click on the credit utilization alert link in message/alert 415 and navigate to a webpage that displays the credit utilization details, such as the total amount of credit available and the amount of credit used for the particular credit line over a period of time.
- a mobile user interface 420 is shown.
- the user interface 425 includes a message/alert 425 sent from the credit utilization tracking system 130 .
- the message/alert 425 lets a consumer know that the consumer's credit utilization of Visa® card ending in 7273 has increased by 30% over the last week.
- the consumer may set a threshold for a percentage of increase in credit utilization that triggers an alarm/alert.
- the credit utilization tracking system 130 may, in some embodiments, automatically generate a threshold for a percentage of increase in credit utilization that triggers an alarm/alert.
- the user interface 420 may also include a link in the message/alert 425 that takes the consumer directly to a webpage that shows information related to the credit utilization increase, such as the total amount of credit available and the amount of credit used for the particular credit line in a short period of time.
- the link in the message/alert 425 also includes one or more recommended actions. For example, if the credit utilization tracking system 130 or the consumer detects a risk of fraudulent activities, contact information may be displayed or provided to initiate an investigation.
- the recommended actions may also include, for example, using another credit line to minimize any possible damaging effects to the consumer's credit score and credit history, and/or moving part of the available credit (or actual outstanding debt) from one credit line to another credit line, if possible.
- the credit utilization system selects a best credit card for use on a particular transaction, based on current credit utilization of multiple credit cards of the consumer and with a goal of decreasing likelihood of any one credit card reaching a utilization level that would negatively impact the consumer's credit score.
- FIG. 5 is an example user interface 500 that may be generated and presented to a user to customize credit utilization thresholds.
- the user interface 500 displays a consumer's three credit lines—a Gold Visa® credit line, a Discover® credit line, and an American Express® credit line.
- two default credit utilization thresholds generated by the credit utilization tracking system 130 are displayed.
- the two default credit utilization thresholds include: (1) a default low credit utilization threshold 505 , corresponding to a 30% credit utilization ratio in this example; and (2) a default high credit utilization threshold 510 , corresponding to a 70% credit utilization ratio in this example.
- different default credit utilization thresholds may be generated by the credit utilization tracking system 130 .
- the user interface 500 allows consumers to customize credit utilization thresholds based on their own choices. For example, consumers may use sliders provided in the user interface 500 to increase and/or decrease the high and/or low thresholds.
- the Gold Visa® credit line uses default thresholds.
- a consumer has configured the Discover credit line to be associated with a consumer-customized low credit utilization threshold that is higher than the default 30% low credit utilization threshold, as indicated by the slider 515 .
- the Discover® credit line is configured to be associated with a consumer-customized high credit utilization threshold that is lower than the default 70% credit utilization threshold, as indicated by the slider 520 .
- a consumer has moved the slider 525 so that the consumer's American Express® credit line has a low credit utilization threshold that is higher than the default.
- the consumer has also associated the American Express® credit line with a high credit utilization threshold that is higher than the default high credit utilization threshold using the slider 530 .
- credit utilization above the default high credit utilization threshold may impact a consumer's credit score.
- the user interface 500 is also configured to allow consumers to add more thresholds. In the user interface 500 , consumers may add a threshold by selecting “Yes’ next to a credit line. Depending on embodiments, an additional slider may be added to the interface 500 after a consumer indicates that he or she wishes to add more thresholds.
- All of the processes described herein may be embodied in, and fully automated via, software code modules executed by one or more general purpose computers or processors.
- the code modules may be stored in any type of computer-readable medium or other computer storage device. Some or all the methods may alternatively be embodied in specialized computer hardware.
- the components referred to herein may be implemented in hardware, software, firmware or a combination thereof.
Abstract
Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.
Description
- This application is a continuation of U.S. application Ser. No. 15/834,429, filed Dec. 7, 2017, which is a continuation of U.S. application Ser. No. 14/208,646, filed Mar. 13, 2014, which claims the benefit of priority under 35 U.S.C. § 119(e) of U.S. Provisional Application No. 61/785,946, filed Mar. 14, 2013, the entirety of which are hereby incorporated herein by reference.
- A portion of disclosure of this patent document includes material which is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure as it appears in the Patent and Trademark Office patent file or records, but otherwise reserves all copyrights whatsoever.
- Credit utilization is generally an amount of credit used by a consumer compared to a total amount of credit available to the consumer.
- Generally described, aspects of the present disclosure relate to a computer system which includes one or more processors and a tangible storage device storing a credit utilization tracking module configured for execution by the one or more computer processors. For each of a plurality of credit lines associated with a consumer, the credit utilization tracking module may store credit utilization at multiple points in time, and the credit utilization at each point in time may indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. The credit utilization tracking module may determine one or more thresholds for respective credit lines. The thresholds may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus. For each of the plurality of credit lines, the credit utilization tracking module may, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, provide a notification to the consumer. The notification to the consumer may suggest lowering credit utilization for the credit line, switching to a credit line with lower credit utilization, or moving debt from the credit line exceeding the high threshold to one or more other credit lines.
- As discussed herein, aspects of the present disclosure include a computer system which includes one or more computer processors configured to execute instructions in order to cause the computer to perform operations. The operations include, for each of a plurality of credit lines associated with a consumer, storing credit utilization (and/or data that is usable to determine credit utilization) at multiple points in time. The credit utilization at each point in time indicates a relationship between a total credit limit and an available credit amount for respective credit liens at respective points in time. The operations may include determining one or more thresholds for respective credit lines, the thresholds indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The operations may also include for each of the plurality of credit lines, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, providing a notification to the consumer.
- As discussed herein, aspects of the present disclosure include a non-transitory computer-readable storage medium, which includes computer-executable instructions. The computer-executable instructions may direct a computing system to store credit utilization at multiple points in time for each of a plurality of credit lines associated with a consumer. The credit utilization at each point in time may indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. The computer executable instructions may direct a computing system to determine one or more thresholds for respective credit lines. The thresholds may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus. For each of the plurality of credit lines, the computer executable instructions may, in response to determining that a most current credit utilization for the credit line exceeds a high threshold of the one or more thresholds, provide a notification to the consumer suggesting the consumer to lower credit utilization for the credit line, switching to a credit line with lower credit utilization, or move available credit from other credit lines to the credit line exceeding the high threshold.
- The foregoing aspects and many of the attendant advantages will become more readily appreciated as the same become better understood by reference to the following detailed description, when taken in conjunction with the accompanying drawings, wherein:
-
FIG. 1 is a flow diagram illustrating one embodiment a credit utilization tracking system in communication with a credit bureau and a consumer. -
FIG. 2 is a block diagram illustrating one embodiment of a computing system used for credit utilization tracking. -
FIG. 3 is an example user interface that may be generated and presented to a user to indicate historical credit utilization of individual credit lines. -
FIGS. 4A and 4B (collectively labeledFIG. 4 ) illustrate example user interfaces that may be provided for display on a user device to provide information regarding credit utilization. -
FIG. 5 is an example user interface that may be generated and presented to a user to customize credit utilization thresholds. - Various embodiments of systems, methods, processes, and data structures will now be described with reference to the drawings. Variations to the systems, methods, processes, and data structures which represent other embodiments will also be described. Certain aspects, advantages, and novel features of the systems, methods, processes, and data structures are described herein. It is to be understood that not necessarily all such advantages may be achieved in accordance with any particular embodiment. Accordingly, the systems, methods, processes, and/or data structures may be embodied or carried out in a manner that achieves one advantage or group of advantages as taught herein without necessarily achieving other advantages as may be taught or suggested herein.
- Credit utilization may be determined based on all the credit lines of a consumer. For example, if a consumer has a total of four credit lines, the consumer's credit utilization may be determined as the total amount of credit used across all the four credit lines and the total amount of credit available across all four credit lines. Credit utilization may be tracked on a month-to-month basis, such as because most creditors report credit data to credit bureaus on a monthly basis.
- Disclosed herein are systems and methods for tracking credit utilization on a per-credit-line basis, so that consumers can easily recognize potential impact to the consumer's credit score of high utilization of credit on a single credit line. Such credit utilization tracking may be used to make useful suggestions to consumers as to how to improve credit scores effectively.
-
FIG. 1 is a flow diagram illustrating one embodiment a creditutilization tracking system 130 in communication with acredit bureau 110 and aconsumer 120. Credit Bureau 110 may include credit bureaus and other credit counseling, credit repairing, and/or credit monitoring services and entities that help consumers keep track of credit utilization. Although the word “consumer” is used,consumer 120 may include individual consumers, groups of individuals (e.g., married couple, family, group of friends, etc.) small businesses, large business entities, and so forth. - In the embodiment of
FIG. 1 , thecredit bureau 110 may sendcredit data 140 to a creditutilization tracking system 130 through anetwork 150.Credit data 140 may include information that is usable to calculate utilization of various financial instruments, such as credit cards, mortgage loans, car loans, lines of credit from financial lenders, home equity line of credit, and so forth.Credit data 140 may also include payment terms, payment history information, interest rates, delinquency records, and so forth. Thenetwork 150 may comprise one or more of a LAN, WAN, and/or the Internet. Thenetwork 150 communicates with various modules, computing devices and/or other electronic devices via wired or wireless communication links, and/or combination of wired and wireless communication links. - Credit
utilization tracking system 130 may receive thecredit data 140 from acredit bureau 110, and process the received information using theutilization tracking module 132. In some embodiments, theutilization tracking module 132 may parse the received credit data into a format that may be processed by the creditutilization tracking system 130. Furthermore, theutilization tracking module 132 may calculate credit utilization for a particular credit line based on the received credit data. - In some embodiments, the
utilization tracking module 132 calculates a credit utilization ratio for a particular credit line using a formula such as: credit utilization ratio=Amount of Credit Used/Total Amount of Available. Thus, as the amount of credit used changes from day to day (for most consumers), the credit utilization for a particular credit card (or other credit line) also changes from day to day. - A credit report, for example, may include the amount of credit used and a total amount of credit available for respective credit lines of a consumer, such that credit utilization may be calculated using the information in a credit report. Credit issuers typically report account data for any particular consumer once a month (or other predetermined time period). Thus, credit utilization for a particular consumer on a particular credit line may be updated about once a month based on credit data of the consumer in the consumer's credit data. If credit data is obtained directly from a credit issuer, credit utilization for such a credit line may be updated on a daily basis, or even more frequently on a transaction basis, such that after each transaction on the credit line and updated credit utilization may be calculated. For certain embodiments discussed herein, credit utilization is calculated on a monthly basis, such as based on information that is updated monthly in consumer credit data. However, in other embodiments credit utilization may be calculated on any other frequency, and/or based on data from other sources (e.g. instead of, or in addition to, credit data).
- In other embodiments, a different formula can be used to calculated credit utilization ratio that is different from the formula above. For example, credit utilization may be calculated in a way that gives more weight to credit used on cash advances versus otherwise.
- Credit utilization ratio may be represented as a percentage between 0% and 100%, a number between 0 and 1, on an academic scale from A-F, in the format of a bar chart, a pie chart, or in any other manner.
- The
utilization tracking module 132 may calculate a credit utilization ratio for an individual credit line based on historical credit information indata store 138 at multiple points in time. For example, theutilization tracking system 130 may have tracked a particular consumer's credit line utilization data for 5 years on a daily, weekly, bi-weekly, monthly, and/or yearly basis. Thus, for a particular credit line theutilization tracking module 132 may have stored (and/or may calculated based on stored historical credit data) the consumer's credit utilization ratio for any day during the 5-year period using the total amount of credit available of a particular day and the total amount of available credit on the same day. - Depending on the embodiment, the
data store 138 may store credit line utilization data every day, every 2 weeks, every month, and/or other period. In some embodiments, credit utilization data is not stored by the 38, but rather, thedata store 138 stores the credit line account information that is usable to calculate the consumers credit utilization of any previous point in time. - In some cases, credit utilization data is reported by a credit bureau on a monthly basis, but more fine-grained data may be available in the format of a statement and/or a credit report. In some other cases, credit utilization data is reported bi-weekly. The credit utilization system may extract
credit data 140 from statements, and/or credit reports sent fromcredit bureau 110 vianetwork 150. - In some embodiments,
credit data 140 regarding a consumer may be non-consecutive, such as whencredit data 140 is missing for a particular period of time. Theutilization tracking module 132 may still use a formula, including the formula discussed above, to calculate a credit utilization ratio using the available credit data regarding a particular credit line. However, theutilization tracking module 132 may not be able to calculate credit utilization ratio regarding a particular credit line for days that credit data about the particular credit line is not available. - In some embodiments, the
utilization tracking module 132 calculates historical credit utilization ratio for a particular credit line of a business and/or an organization at multiple points in time. The business and/or organization's credit data, such as amount of credit used and total amount of available credit for a particular credit line, may be stored indata store 138. In some embodiments, the business and/or organization's credit data is not stored at thedata store 138, but rather, thedata store 138 stores the credit line account information that is usable to calculate the business and/or organization's credit utilization of any previous point in time. - In one embodiment, the user interface module 134 generates and presents user interfaces to consumers. The user interface module 134 may also enable features on user interfaces so that consumers may customize the user interfaces presented to them. Details regarding the generation, presentation, and customization of user interfaces are discussed further below. In conjunction with the reporting and
alert module 136, the user interface module may also allow consumers to set their own credit utilization thresholds and configure when they wish to receive alerts and/or messages regarding credit utilization. - The reporting and
alert module 136 may generate reports, messages, and/or alerts that may be sent to a consumer. The reports, messages, and/or alerts may be presented in the format of a webpage, a text message, an e-mail, and/or a mobile application, and so forth. The generation of the reports, messages, and/or alerts may be triggered when a consumer's credit utilization ratio for a particular credit card, for example, exceeds a particular credit utilization threshold, as discussed further below. - In some embodiments, the
data store 138 may be implemented using a relational database, such as Sybase, Oracle, CodeBase and Microsoft® SQL Server as well as other types of databases such as, for example, a flat file database, an entity-relationship database, and object-oriented database, a record-based database, and/or an unstructured database. -
FIG. 2 is a block diagram illustrating example components of one embodiment of the creditutilization tracking system 130. Thecomputing system 130 may be used to implement systems and methods described in this disclosure. - The
computing system 130 includes, for example, a computer that may be IBM, Macintosh, or Linux/Unix compatible or a server or workstation. In one embodiment, thecomputing system 130 comprises a server, desktop computer, a tablet computer, or laptop computer, for example. In one embodiment, theexemplary computing system 130 includes one or more central processing units (“CPUs”) 204, which may each include a conventional or proprietary microprocessor. Thecomputing system 130 further includes one ormore memory 206, such as random access memory (“RAM”) for temporary storage of information, one or more read only memory (“ROM”) for permanent storage of information, and one or moremass storage device 201, such as a hard drive, diskette, solid state drive, or optical media storage device. Typically, the modules of thecomputing system 130 are connected to the computer using a standard basedbus system 208. In different embodiments, the standard based bus system could be implemented in Peripheral Component Interconnect (“PCI”), Microchannel, Small Computer System Interface (“SCSI”), Industrial Standard Architecture (“ISA”) and Extended ISA (“EISA”) architectures, for example. In addition, the functionality provided for in the components and modules ofcomputing system 130 may be combined into fewer components and modules or further separated into additional components and modules. - The
computing system 130 is generally controlled and coordinated by operating system software, such as Windows XP, Windows Vista, Windows 7, Windows 8, Windows Server, Unix, Linux, SunOS, Solaris, or other compatible operating systems. In Macintosh systems, the operating system may be any available operating system, such as MAC OS X. In other embodiments, thecomputing system 130 may be controlled by a proprietary operating system. Conventional operating systems control and schedule computer processes for execution, perform memory management, provide file system, networking, I/O services, and provide a user interface, such as a graphical user interface (“GUI”), among other things. - The
exemplary computing system 130 may include one or more commonly available input/output (I/O) devices and interfaces 205, such as a keyboard, mouse, touchpad, and printer. In one embodiment, the I/O devices and interfaces 205 include one or more display devices, such as a monitor, that allows the visual presentation of data to a user. More particularly, a display device provides for the presentation of GUIs, application software data, and multimedia presentations, for example. Thecomputing system 130 may also include one or more multimedia devices, such as speakers, video cards, graphics accelerators, and microphones, for example. - In the embodiment of
FIG. 4 , the I/O devices and interfaces 205 provide a communication interface to various external devices. In the embodiment ofFIG. 2 , thecomputing system 130 also includes autilization tracking module 132 that may be stored in themass storage device 201 as executable software codes that are executed by theCPU 204. This module may include, by way of example, components, such as software components, object-oriented software components, class components and task components, processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. In the embodiment shown inFIG. 2 , thecomputing system 130 is also configured to execute the reporting andalert module 136 and user interface module 134 in order to implement functionality described elsewhere herein. For example, the processing module may perform methods described with reference to any of various modules described above with reference to theinformation management system 110 and/or the creditreport generation system 130, depending on the embodiment. - In general, the word “module,” as used herein, refers to logic embodied in hardware or firmware, or to a collection of software instructions, possibly having entry and exit points, written in a programming language, such as, for example, Java, Lua, C or C++. A software module may be compiled and linked into an executable program, installed in a dynamic link library, or may be written in an interpreted programming language such as, for example, BASIC, Perl, or Python. It will be appreciated that software modules may be callable from other modules or from themselves, and/or may be invoked in response to detected events or interrupts. Software modules configured for execution on computing devices may be provided on a computer readable medium, such as a compact disc, digital video disc, flash drive, or any other tangible medium. Such software code may be stored, partially or fully, on a memory device of the executing computing device, such as the
computing system 130, for execution by the computing device. Software instructions may be embedded in firmware, such as an EPROM. It will be further appreciated that hardware modules may be comprised of connected logic units, such as gates and flip-flops, and/or may be comprised of programmable units, such as programmable gate arrays or processors. The modules described herein are preferably implemented as software modules, but may be represented in hardware or firmware. Generally, the modules described herein refer to logical modules that may be combined with other modules or divided into sub-modules despite their physical organization or storage. - In some embodiments, one or more computing systems, data stores and/or modules described herein may be implemented using one or more open source projects or other existing platforms. For example, one or more computing systems, data stores and/or modules described herein may be implemented in part by leveraging technology associated with one or more of the following: Drools, Hibernate, JBoss, Kettle, Spring Framework, NoSQL (such as the database software implemented by MongoDB) and/or DB2 database software.
-
FIG. 3 is anexample user interface 300 that may be generated and presented to a user to indicate historical credit utilization of particular credit lines. In this example, the creditutilization tracking system 130 tracks credit usage information regarding three credit lines of a consumer. The three credit lines in this example include a Discover® account, a Gold Visa® account, and an American Express® account. - In this particular example, historical credit utilization of the consumer's three credit lines is represented monthly from Dec. 16, 2012 to May 16, 2013. A credit utilization ratio for each credit line over the time period is displayed, including monthly credit utilization of the consumer's Discover® account (305), monthly credit utilization of the consumer's Gold Visa® account (310), and monthly credit utilization of the consumer's American Express® account (315). Credit utilization ratios between each month, represented in this example as percentage values, are connected in a line graph. In other embodiments, other types of visualizations may be provided to show the user's historical credit utilization for each of one or more credit lines.
- The
user interface 300 may also display one or more credit utilization thresholds. In some embodiments, theuser interface 300 may include a high utilization threshold and a low utilization threshold. In some embodiments, more thresholds are displayed. In this particular example, thehigh threshold 320 represents 75% credit utilization and thelow threshold 325 represents 25% credit utilization. In some other cases, a differenthigh threshold 320 and/or a differentlow threshold 325 may be used in theuser interface 300. - In some cases, the credit
utilization tracking system 130 automatically generates one or more credit utilization threshold based on historical credit utilization of a particular credit line of a consumer. For example, based on calculations performed by the utilization tracking module, the average credit utilization ratio of a consumer for the past 12 months may be 35%. Accordingly, the credit utilization tracking system may set a credit utilization threshold of 35% (or slightly above) for the consumer. Although the duration of 12 months is used in this example, any other duration may also be used to calculate the average credit utilization ratio of a consumer for any period of time for which credit utilization data is available. - In another example, based on calculations performed by the utilization tracking module, the consumer's 25th percentile of credit utilization ratio for the past 3 years is 45%, and the consumer's 75th percentile of credit utilization ratio for the past 3 years is 80%. Accordingly, the credit utilization tracking system may select 45% and 80% as the low credit utilization threshold and the high credit utilization threshold for the consumer, respectively. Although the duration of 3 years is used in this example, any other duration may also be used to calculate the average credit utilization ratio of a consumer for any period of time for which credit utilization data is available.
- In some embodiments, the credit
utilization tracking system 130 may automatically generates one or more credit utilization thresholds based on whether using more credit over the one or more thresholds would negatively impact the consumer's credit score. The creditutilization tracking system 130 may calculate the one or more credit utilization thresholds and how the consumer's credit score may be impacted by increased credit utilization based on statistical analysis of historical credit utilization data about a consumer, the consumer's credit lines, and other related information. In some embodiments, the creditutilization tracking system 130 may use a formula or information from a consumer's credit report to calculate the one or more credit utilization thresholds. In some embodiments, information from one or more credit bureaus is accessed in order to determine a credit utilization that causes a negative impact (or positive impact) on a consumer's credit score based on one or more credit score formulas used by the one or more credit bureaus. Thus, thresholds may be set based on information obtained from the one or more credit bureaus. In the example ofFIG. 3 , a high and low credit threshold are the same for each of the three credit cards, where the high utilization threshold may indicate a level at which the consumers credit score begins to be impacted. - In this particular example illustrated in
FIG. 3 , aflag 330 is shown for the Discover account on Mar. 16, 2013. This indicates that the credit utilization ratio on Mar. 16, 2013 has exceeded the high threshold of 75% as indicated by thehigh threshold 320. If a consumer clicks the flag, theinterface 300 may display a note to the consumer. For example, if spending more money using the credit line would negatively impact a consumer's credit score, the note may inform the consumer that his or her credit score might be lowered, and he or she should consider using other credit lines if available. - In some cases, the
interface 300 may display a note that not only informs the consumer that he or she has reached one or more credit utilization thresholds, but also suggests which other credit lines with lower credit utilization ratio might be available. For example, in the particular case shown inFIG. 3 , theinterface 300 may generate and display a note to the consumer indicating that credit utilization of the Discover credit line has exceeded thehigh threshold 320 on Mar. 16, 2013. Moreover, theinterface 300 may suggest that the consumer consider using the American Express credit line because credit utilization of the American Express credit line is the lowest among the consumer's three available credit lines. In addition, for Mar. 16, 2013, the credit utilization of the American Express credit line is lower than the low credit utilization threshold. In one embodiment, the user interface may simulate in effect on the user's credit score if credit utilization increases above the high threshold. For example, user interface may indicate that if the user spends a certain amount of money on the Discover credit card and increases the credit utilization to 80%, the consumer's credit score may draw from 630 to 629. Other similar simulations of impacts to consumer credit scores based on credit utilization may also be provided. Based on the simulations, a consumer may be provided with a recommendation to move some amount of debt from one credit line to another credit line, if possible. In some embodiments, a suggestion to move a portion of available credit on a credit line to another credit line in order to improve (e.g., reduce) credit utilization of the credit line that has a high credit utilization. For example, if multiple credit lines are associated with a credit issuer, the credit issuer may allow transfer of available credit between credit lines. -
FIGS. 4A and 4B illustrate example user interfaces that may be provided for display on a user device to provide information regarding credit utilization. InFIG. 4A , amobile user interface 410 is shown. Themobile user interface 410 in this example includes a message/alert. Message/alert 415 informs a consumer that the consumer's credit utilization of Visa® card ending in 7273 for the month of November is above the 70% credit utilization threshold. Theuser interface 410 may be a text messaging user interface (and the alert 415 may be a text message), a standalone application, a browser, and/or any other user interface. - Depending on the embodiment, the user may have options to specify that alerts are sent when the consumer's credit utilization has exceeded one or more credit utilization thresholds. Alternatively, the consumer may wish to receive alerts only when credit utilization ratio is high enough to negatively impact credit score or the increase of credit utilization ratio is sharp enough to indicate probability of fraudulent activities.
- Depending on the embodiment, the consumer may set preferences for delivery of alerts in any available manner, such as via text messages, email, telephone call and/or messages, smart phone application notifications, etc. In some embodiments, alerts may include links to further information regarding the consumer's credit utilization. For example, in embodiment of
FIG. 4A , the consumer may click on the credit utilization alert link in message/alert 415 and navigate to a webpage that displays the credit utilization details, such as the total amount of credit available and the amount of credit used for the particular credit line over a period of time. - In
FIG. 4B , amobile user interface 420 is shown. In this embodiment, theuser interface 425 includes a message/alert 425 sent from the creditutilization tracking system 130. The message/alert 425 lets a consumer know that the consumer's credit utilization of Visa® card ending in 7273 has increased by 30% over the last week. - Depending on the embodiment, the consumer may set a threshold for a percentage of increase in credit utilization that triggers an alarm/alert. The credit
utilization tracking system 130 may, in some embodiments, automatically generate a threshold for a percentage of increase in credit utilization that triggers an alarm/alert. - In this embodiment, the
user interface 420 may also include a link in the message/alert 425 that takes the consumer directly to a webpage that shows information related to the credit utilization increase, such as the total amount of credit available and the amount of credit used for the particular credit line in a short period of time. - In some cases, the link in the message/
alert 425 also includes one or more recommended actions. For example, if the creditutilization tracking system 130 or the consumer detects a risk of fraudulent activities, contact information may be displayed or provided to initiate an investigation. The recommended actions may also include, for example, using another credit line to minimize any possible damaging effects to the consumer's credit score and credit history, and/or moving part of the available credit (or actual outstanding debt) from one credit line to another credit line, if possible. In one embodiment, the credit utilization system selects a best credit card for use on a particular transaction, based on current credit utilization of multiple credit cards of the consumer and with a goal of decreasing likelihood of any one credit card reaching a utilization level that would negatively impact the consumer's credit score. -
FIG. 5 is anexample user interface 500 that may be generated and presented to a user to customize credit utilization thresholds. InFIG. 5 , theuser interface 500 displays a consumer's three credit lines—a Gold Visa® credit line, a Discover® credit line, and an American Express® credit line. In this embodiment, two default credit utilization thresholds generated by the creditutilization tracking system 130 are displayed. The two default credit utilization thresholds include: (1) a default lowcredit utilization threshold 505, corresponding to a 30% credit utilization ratio in this example; and (2) a default highcredit utilization threshold 510, corresponding to a 70% credit utilization ratio in this example. In other embodiments, different default credit utilization thresholds may be generated by the creditutilization tracking system 130. - The
user interface 500 allows consumers to customize credit utilization thresholds based on their own choices. For example, consumers may use sliders provided in theuser interface 500 to increase and/or decrease the high and/or low thresholds. In the example shown inFIG. 5 , the Gold Visa® credit line uses default thresholds. A consumer has configured the Discover credit line to be associated with a consumer-customized low credit utilization threshold that is higher than thedefault 30% low credit utilization threshold, as indicated by theslider 515. The Discover® credit line is configured to be associated with a consumer-customized high credit utilization threshold that is lower than thedefault 70% credit utilization threshold, as indicated by theslider 520. A consumer has moved theslider 525 so that the consumer's American Express® credit line has a low credit utilization threshold that is higher than the default. The consumer has also associated the American Express® credit line with a high credit utilization threshold that is higher than the default high credit utilization threshold using theslider 530. - In some embodiments, credit utilization above the default high credit utilization threshold may impact a consumer's credit score. In some cases, the
user interface 500 is also configured to allow consumers to add more thresholds. In theuser interface 500, consumers may add a threshold by selecting “Yes’ next to a credit line. Depending on embodiments, an additional slider may be added to theinterface 500 after a consumer indicates that he or she wishes to add more thresholds. - Although the foregoing systems and methods have been described in terms of certain embodiments, other embodiments will be apparent to those of ordinary skill in the art from the disclosure herein. Additionally, other combinations, omissions, substitutions and modifications will be apparent to the skilled artisan in view of the disclosure herein. While some embodiments of the inventions have been described, these embodiments have been presented by way of example only, and are not intended to limit the scope of the inventions. Indeed, the novel methods and systems described herein may be embodied in a variety of other forms without departing from the spirit thereof. Further, the disclosure herein of any particular feature, aspect, method, property, characteristic, quality, attribute, element, or the like in connection with an embodiment can be used in all other embodiments set forth herein.
- All of the processes described herein may be embodied in, and fully automated via, software code modules executed by one or more general purpose computers or processors. The code modules may be stored in any type of computer-readable medium or other computer storage device. Some or all the methods may alternatively be embodied in specialized computer hardware. In addition, the components referred to herein may be implemented in hardware, software, firmware or a combination thereof.
- Conditional language such as, among others, “can,” “could,” “might” or “may,” unless specifically stated otherwise, are otherwise understood within the context as used in general to convey that certain embodiments include, while other embodiments do not include, certain features, elements and/or steps. Thus, such conditional language is not generally intended to imply that features, elements and/or steps are in any way required for one or more embodiments or that one or more embodiments necessarily include logic for deciding, with or without user input or prompting, whether these features, elements and/or steps are included or are to be performed in any particular embodiment.
- Any process descriptions, elements or blocks in the flow diagrams described herein and/or depicted in the attached figures should be understood as potentially representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or elements in the process. Alternate implementations are included within the scope of the embodiments described herein in which elements or functions may be deleted, executed out of order from that shown, or discussed, including substantially concurrently or in reverse order, depending on the functionality involved as would be understood by those skilled in the art.
Claims (21)
1. (canceled)
2. A computer system for generating alerts based on triggering one or more threshold conditions, the computer system comprising:
a memory; and
one or more processors configured to:
determine a default usage threshold indicating a credit usage level at which a credit score of a consumer may be affected;
periodically access or retrieve credit data of the consumer for a plurality of credit lines, wherein the plurality of credit lines include credit lines associated with two or more different credit card issuers;
calculate a current credit utilization for each of the plurality of credit lines based on the periodically accessed or retrieved credit data; and
in response to determining that a first current credit utilization of a first credit line of the plurality of credit lines exceeds the default usage threshold:
generate an electronic notification indicating that the consumer has exceeded the default usage threshold for the first credit line; and
cause transmission of the electronic notification to a computing device of the consumer.
3. The computer system of claim 2 , wherein the electronic notification comprises a graph of credit utilization over a period of time.
4. The computer system of claim 2 , wherein the electronic notification comprises at least one suggestion to improve the credit score of the consumer.
5. The computer system of claim 2 , wherein the credit data includes credit card account data for the corresponding credit line.
6. The computer system of claim 2 , wherein a business system is configured to use the credit data to charge one or more credit card accounts without the consumer separately providing any credit card account data to the business system.
7. The computer system of claim 2 , wherein the default usage threshold includes a default high usage threshold.
8. The computer system of claim 2 , wherein the default usage threshold includes a default low usage threshold.
9. The computer system of claim 2 , wherein to periodically access or retrieve credit data of the consumer includes periodically accessing updated credit data of the consumer from a credit bureau.
10. The computer system of claim 2 , wherein the one or more processors are further configured to receive, from the computing device of the consumer, a custom credit utilization threshold indicating a utilization percentage at which an alert is sent to the consumer, and updating the default usage threshold based on the received custom credit utilization threshold.
11. The computer system of claim 2 , wherein the one or more processors are further configured to automatically select a credit line of the plurality of credit lines for use on a particular transaction.
12. A computer-implemented method comprising:
determining a default usage threshold indicating a credit usage level at which a credit score of a consumer may be affected;
periodically accessing or retrieving credit data of the consumer for a plurality of credit lines, wherein the plurality of credit lines include credit lines associated with two or more different credit card issuers;
calculating a current credit utilization for each of the plurality of credit lines based on the periodically accessed or retrieved credit data; and
in response to determining that a first current credit utilization of a first credit line of the plurality of credit lines exceeds the default usage threshold:
generating an electronic notification indicating that the consumer has exceeded the default usage threshold for the first credit line; and
causing transmission of the electronic notification to a computing device of the consumer.
13. The computer-implemented method of claim 12 , wherein the electronic notification comprises a graph of credit utilization over a period of time.
14. The computer-implemented method of claim 12 , wherein the electronic notification comprises at least one suggestion to improve the credit score of the consumer.
15. The computer-implemented method of claim 12 , wherein the credit data includes credit card account data for the corresponding credit line.
16. The computer-implemented method of claim 12 , wherein a business system is configured to use the credit data to charge one or more credit card accounts without the consumer separately providing any credit card account data to the business system.
17. The computer-implemented method of claim 12 , wherein the default usage threshold includes a default high usage threshold.
18. The computer-implemented method of claim 12 , wherein the default usage threshold includes a default low usage threshold.
19. The computer-implemented method of claim 12 , wherein periodically accessing or retrieving credit data of the consumer includes periodically accessing updated credit data of the consumer from a credit bureau.
20. The computer-implemented method of claim 12 , wherein the method further comprises receiving, from the computing device of the consumer, a custom credit utilization threshold indicating a utilization percentage at which an alert is sent to the consumer, and updating the default usage threshold based on the received custom credit utilization threshold.
21. The computer-implemented method of claim 12 , wherein the method further comprises automatically selecting a credit line of the plurality of credit lines for use on a particular transaction.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US16/852,285 US20200402159A1 (en) | 2013-03-14 | 2020-04-17 | Credit utilization tracking and reporting |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361785946P | 2013-03-14 | 2013-03-14 | |
US14/208,646 US9870589B1 (en) | 2013-03-14 | 2014-03-13 | Credit utilization tracking and reporting |
US201715834429A | 2017-12-07 | 2017-12-07 | |
US16/852,285 US20200402159A1 (en) | 2013-03-14 | 2020-04-17 | Credit utilization tracking and reporting |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US201715834429A Continuation | 2013-03-14 | 2017-12-07 |
Publications (1)
Publication Number | Publication Date |
---|---|
US20200402159A1 true US20200402159A1 (en) | 2020-12-24 |
Family
ID=60934939
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US14/208,646 Active US9870589B1 (en) | 2013-03-14 | 2014-03-13 | Credit utilization tracking and reporting |
US16/852,285 Abandoned US20200402159A1 (en) | 2013-03-14 | 2020-04-17 | Credit utilization tracking and reporting |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US14/208,646 Active US9870589B1 (en) | 2013-03-14 | 2014-03-13 | Credit utilization tracking and reporting |
Country Status (1)
Country | Link |
---|---|
US (2) | US9870589B1 (en) |
Cited By (18)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20210049578A1 (en) * | 2019-08-15 | 2021-02-18 | Visa International Service Association | System, Method, and Computer Program Product for Tracking Data Associated with an Account to Determine a Score |
US11157872B2 (en) | 2008-06-26 | 2021-10-26 | Experian Marketing Solutions, Llc | Systems and methods for providing an integrated identifier |
US11200620B2 (en) | 2011-10-13 | 2021-12-14 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11265324B2 (en) | 2018-09-05 | 2022-03-01 | Consumerinfo.Com, Inc. | User permissions for access to secure data at third-party |
US11308551B1 (en) | 2012-11-30 | 2022-04-19 | Consumerinfo.Com, Inc. | Credit data analysis |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11356430B1 (en) | 2012-05-07 | 2022-06-07 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US11379916B1 (en) | 2007-12-14 | 2022-07-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US11461364B1 (en) | 2013-11-20 | 2022-10-04 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US11475010B2 (en) | 2020-09-09 | 2022-10-18 | Self Financial, Inc. | Asynchronous database caching |
US11514519B1 (en) | 2013-03-14 | 2022-11-29 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US11630822B2 (en) | 2020-09-09 | 2023-04-18 | Self Financial, Inc. | Multiple devices for updating repositories |
US11641665B2 (en) | 2020-09-09 | 2023-05-02 | Self Financial, Inc. | Resource utilization retrieval and modification |
US11769200B1 (en) | 2013-03-14 | 2023-09-26 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US11790112B1 (en) | 2011-09-16 | 2023-10-17 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US11863310B1 (en) | 2012-11-12 | 2024-01-02 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
Families Citing this family (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US8606666B1 (en) * | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
US8606626B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | Systems and methods for providing a direct marketing campaign planning environment |
US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US10262362B1 (en) | 2014-02-14 | 2019-04-16 | Experian Information Solutions, Inc. | Automatic generation of code for attributes |
US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US10572945B1 (en) * | 2014-08-28 | 2020-02-25 | Cerner Innovation, Inc. | Insurance risk scoring based on credit utilization ratio |
US10242019B1 (en) | 2014-12-19 | 2019-03-26 | Experian Information Solutions, Inc. | User behavior segmentation using latent topic detection |
CA3029295A1 (en) * | 2015-06-26 | 2016-12-29 | Sumitomo Mitsui Banking Corporation | Banking system, method and program for credit control for structured finance |
EP3131045A1 (en) * | 2015-08-13 | 2017-02-15 | Tata Consultancy Services Limited | Credit limit management system and method |
US20170243305A1 (en) * | 2016-02-19 | 2017-08-24 | Electronics And Telecommunications Research Institute | Method and apparatus for relaying distributed energy resource trading and system thereof |
US11776051B1 (en) * | 2016-07-25 | 2023-10-03 | Wells Fargo Bank, N.A. | Credit line adjustment |
US10726478B2 (en) | 2017-01-17 | 2020-07-28 | Fair Ip, Llc | Data processing system and method for facilitating transactions with user-centric document access |
US10963960B1 (en) * | 2018-08-30 | 2021-03-30 | Wells Fargo Bank, N.A. | Computer system for automatic credit allocation of a shared line of credit |
US20200104843A1 (en) * | 2018-10-01 | 2020-04-02 | Visa International Service Association | Method and system for increasing transaction accuracy and speed |
CN112016798A (en) * | 2020-07-15 | 2020-12-01 | 北京淇瑀信息科技有限公司 | Automatic information sending method and device for improving resource utilization rate |
US11470037B2 (en) | 2020-09-09 | 2022-10-11 | Self Financial, Inc. | Navigation pathway generation |
US11683317B2 (en) | 2020-09-25 | 2023-06-20 | International Business Machines Corporation | Behavior management |
CN116091202A (en) * | 2022-12-29 | 2023-05-09 | 北京君航微金信息科技有限公司 | Financial business monitoring and early warning method and system |
Family Cites Families (1373)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US2151793A (en) | 1933-05-13 | 1939-03-28 | Patin Albert | Positional receiver |
US3316395A (en) | 1963-05-23 | 1967-04-25 | Credit Corp Comp | Credit risk computer |
US3405457A (en) | 1965-10-23 | 1968-10-15 | Univ Illinois | Versatile display teaching system |
US4305059A (en) | 1980-01-03 | 1981-12-08 | Benton William M | Modular funds transfer system |
US4346442A (en) | 1980-07-29 | 1982-08-24 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system |
GB2102606B (en) | 1981-06-19 | 1985-01-30 | Nat Res Dev | Apparatus and methods for making payments electronically |
US4578530A (en) | 1981-06-26 | 1986-03-25 | Visa U.S.A., Inc. | End-to-end encryption system and method of operation |
GB2146814A (en) | 1983-09-17 | 1985-04-24 | Ibm | Electronic fund transfer systems |
US4734858B1 (en) | 1983-12-05 | 1997-02-11 | Portel Services Network Inc | Data terminal and system for placing orders |
US5025138A (en) | 1984-02-27 | 1991-06-18 | Vincent Cuervo | Method and system for providing verifiable line of credit information |
US4736294A (en) | 1985-01-11 | 1988-04-05 | The Royal Bank Of Canada | Data processing methods and apparatus for managing vehicle financing |
US4774664A (en) | 1985-07-01 | 1988-09-27 | Chrysler First Information Technologies Inc. | Financial data processing system and method |
US4926255A (en) | 1986-03-10 | 1990-05-15 | Kohorn H Von | System for evaluation of response to broadcast transmissions |
US4876592A (en) | 1986-03-10 | 1989-10-24 | Henry Von Kohorn | System for merchandising and the evaluation of responses to broadcast transmissions |
US4989141A (en) | 1987-06-01 | 1991-01-29 | Corporate Class Software | Computer system for financial analyses and reporting |
US4895518A (en) | 1987-11-02 | 1990-01-23 | The University Of Michigan | Computerized diagnostic reasoning evaluation system |
US4891503A (en) | 1988-03-29 | 1990-01-02 | Gascard, Inc. | Distributed authorization system |
JPH01255993A (en) | 1988-04-05 | 1989-10-12 | Sharp Corp | Cash register |
US5025373A (en) | 1988-06-30 | 1991-06-18 | Jml Communications, Inc. | Portable personal-banking system |
JP2742057B2 (en) | 1988-07-14 | 1998-04-22 | シャープ株式会社 | Thin film EL panel |
US4947028A (en) | 1988-07-19 | 1990-08-07 | Arbor International, Inc. | Automated order and payment system |
US4977595A (en) | 1989-04-03 | 1990-12-11 | Nippon Telegraph And Telephone Corporation | Method and apparatus for implementing electronic cash |
US5201010A (en) | 1989-05-01 | 1993-04-06 | Credit Verification Corporation | Method and system for building a database and performing marketing based upon prior shopping history |
US5148365A (en) | 1989-08-15 | 1992-09-15 | Dembo Ron S | Scenario optimization |
US5126936A (en) | 1989-09-01 | 1992-06-30 | Champion Securities | Goal-directed financial asset management system |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5013038A (en) | 1989-12-08 | 1991-05-07 | Interactive Network, Inc. | method of evaluating data relating to a common subject |
US5262941A (en) | 1990-03-30 | 1993-11-16 | Itt Corporation | Expert credit recommendation method and system |
GB9008362D0 (en) | 1990-04-12 | 1990-06-13 | Hackremco No 574 Limited | Banking computer system |
US5047687A (en) | 1990-07-26 | 1991-09-10 | Eastman Kodak Company | Organic electroluminescent device with stabilized cathode |
US5427858A (en) | 1990-11-30 | 1995-06-27 | Idemitsu Kosan Company Limited | Organic electroluminescence device with a fluorine polymer layer |
US5274547A (en) | 1991-01-03 | 1993-12-28 | Credco Of Washington, Inc. | System for generating and transmitting credit reports |
US5383113A (en) | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US5625669A (en) | 1991-09-27 | 1997-04-29 | Telemac Cellular Corporation | Mobile phone with internal call accounting controls |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5259766A (en) | 1991-12-13 | 1993-11-09 | Educational Testing Service | Method and system for interactive computer science testing, anaylsis and feedback |
US6009415A (en) | 1991-12-16 | 1999-12-28 | The Harrison Company, Llc | Data processing technique for scoring bank customer relationships and awarding incentive rewards |
US5404518A (en) | 1991-12-19 | 1995-04-04 | Answer Computer, Inc. | System for building a user-determined database of solution documents from queries that fail within it and from the search steps that do provide a solution |
US5640577A (en) | 1991-12-30 | 1997-06-17 | Davox Corporation | Data processing system with automated at least partial forms completion |
US5239462A (en) | 1992-02-25 | 1993-08-24 | Creative Solutions Groups, Inc. | Method and apparatus for automatically determining the approval status of a potential borrower |
US5446885A (en) | 1992-05-15 | 1995-08-29 | International Business Machines Corporation | Event driven management information system with rule-based applications structure stored in a relational database |
US5336870A (en) | 1992-05-26 | 1994-08-09 | Hughes Thomas S | System for remote purchase payment transactions and remote bill payments |
US5819226A (en) | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US5361201A (en) | 1992-10-19 | 1994-11-01 | Hnc, Inc. | Real estate appraisal using predictive modeling |
US5345595A (en) | 1992-11-12 | 1994-09-06 | Coral Systems, Inc. | Apparatus and method for detecting fraudulent telecommunication activity |
EP0692173B1 (en) | 1993-03-31 | 2004-05-26 | Azure Solutions Limited | Data processing system for communications network |
ES2116590T3 (en) | 1993-03-31 | 1998-07-16 | British Telecomm | SYSTEM AND METHOD TO PREVENT FRAUD IN A COMMUNICATION NETWORK. |
US5940811A (en) | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
CN1132565A (en) | 1993-08-27 | 1996-10-02 | 杰弗里·A·诺里斯 | Closed loop financial transaction method and appts. |
US5611052A (en) | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5930776A (en) | 1993-11-01 | 1999-07-27 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
US5881131A (en) | 1993-11-16 | 1999-03-09 | Bell Atlantic Network Services, Inc. | Analysis and validation system for provisioning network related facilities |
US6345104B1 (en) | 1994-03-17 | 2002-02-05 | Digimarc Corporation | Digital watermarks and methods for security documents |
US6513018B1 (en) | 1994-05-05 | 2003-01-28 | Fair, Isaac And Company, Inc. | Method and apparatus for scoring the likelihood of a desired performance result |
US5500513A (en) | 1994-05-11 | 1996-03-19 | Visa International | Automated purchasing control system |
US5704029A (en) | 1994-05-23 | 1997-12-30 | Wright Strategies, Inc. | System and method for completing an electronic form |
US5832068A (en) | 1994-06-01 | 1998-11-03 | Davox Corporation | Data processing system with real time priority updating of data records and dynamic record exclusion |
US5659725A (en) | 1994-06-06 | 1997-08-19 | Lucent Technologies Inc. | Query optimization by predicate move-around |
US5590038A (en) | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
GB9416673D0 (en) | 1994-08-17 | 1994-10-12 | Reuters Ltd | Data exchange filtering system |
CN1220747A (en) | 1994-09-28 | 1999-06-23 | 戈登·T·布朗 | Automatic accounting system |
US5732400A (en) | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5729735A (en) | 1995-02-08 | 1998-03-17 | Meyering; Samuel C. | Remote database file synchronizer |
US5696907A (en) | 1995-02-27 | 1997-12-09 | General Electric Company | System and method for performing risk and credit analysis of financial service applications |
US6581025B2 (en) | 1995-04-17 | 2003-06-17 | Discovision Associates | Time and work tracker for wireless devices |
US5699527A (en) | 1995-05-01 | 1997-12-16 | Davidson; David Edward | Method and system for processing loan |
US6070141A (en) | 1995-05-08 | 2000-05-30 | Image Data, Llc | System and method of assessing the quality of an identification transaction using an identificaion quality score |
US5774883A (en) | 1995-05-25 | 1998-06-30 | Andersen; Lloyd R. | Method for selecting a seller's most profitable financing program |
US5659731A (en) | 1995-06-19 | 1997-08-19 | Dun & Bradstreet, Inc. | Method for rating a match for a given entity found in a list of entities |
US6115694A (en) | 1995-08-25 | 2000-09-05 | General Electric Company | Method for validating specified prices on real property |
US5878403A (en) | 1995-09-12 | 1999-03-02 | Cmsi | Computer implemented automated credit application analysis and decision routing system |
US7181427B1 (en) | 1995-09-12 | 2007-02-20 | Jp Morgan Chase Bank, N.A. | Automated credit application system |
US5966695A (en) | 1995-10-17 | 1999-10-12 | Citibank, N.A. | Sales and marketing support system using a graphical query prospect database |
US5875236A (en) | 1995-11-21 | 1999-02-23 | At&T Corp | Call handling method for credit and fraud management |
US6088686A (en) | 1995-12-12 | 2000-07-11 | Citibank, N.A. | System and method to performing on-line credit reviews and approvals |
US5778367A (en) | 1995-12-14 | 1998-07-07 | Network Engineering Software, Inc. | Automated on-line information service and directory, particularly for the world wide web |
US5719941A (en) | 1996-01-12 | 1998-02-17 | Microsoft Corporation | Method for changing passwords on a remote computer |
US6038551A (en) | 1996-03-11 | 2000-03-14 | Microsoft Corporation | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
US6006333A (en) | 1996-03-13 | 1999-12-21 | Sun Microsystems, Inc. | Password helper using a client-side master password which automatically presents the appropriate server-side password to a particular remote server |
US5842211A (en) | 1996-03-15 | 1998-11-24 | Microsoft Corporation | Method and system for transferring a bank file to an application program |
US5884287A (en) | 1996-04-12 | 1999-03-16 | Lfg, Inc. | System and method for generating and displaying risk and return in an investment portfolio |
US6014645A (en) | 1996-04-19 | 2000-01-11 | Block Financial Corporation | Real-time financial card application system |
US5793972A (en) | 1996-05-03 | 1998-08-11 | Westminster International Computers Inc. | System and method providing an interactive response to direct mail by creating personalized web page based on URL provided on mail piece |
US5739512A (en) | 1996-05-30 | 1998-04-14 | Sun Microsystems, Inc. | Digital delivery of receipts |
US5950172A (en) | 1996-06-07 | 1999-09-07 | Klingman; Edwin E. | Secured electronic rating system |
US6094643A (en) | 1996-06-14 | 2000-07-25 | Card Alert Services, Inc. | System for detecting counterfeit financial card fraud |
US6070147A (en) | 1996-07-02 | 2000-05-30 | Tecmark Services, Inc. | Customer identification and marketing analysis systems |
US5844218A (en) | 1996-07-16 | 1998-12-01 | Transaction Technology, Inc. | Method and system for using an application programmable smart card for financial transactions in multiple countries |
US5956693A (en) | 1996-07-19 | 1999-09-21 | Geerlings; Huib | Computer system for merchant communication to customers |
DE69735486T2 (en) | 1996-07-22 | 2006-12-14 | Cyva Research Corp., San Diego | TOOL FOR SAFETY AND EXTRACTION OF PERSONAL DATA |
US5819234A (en) | 1996-07-29 | 1998-10-06 | The Chase Manhattan Bank | Toll collection system |
US5878337A (en) | 1996-08-08 | 1999-03-02 | Joao; Raymond Anthony | Transaction security apparatus and method |
US6247000B1 (en) | 1996-08-21 | 2001-06-12 | Crossmar, Inc. | Method and system for confirmation and settlement for financial transactions matching |
US6021943A (en) | 1996-10-09 | 2000-02-08 | Chastain; Robert H. | Process for executing payment transactions |
US6968319B1 (en) | 1996-10-18 | 2005-11-22 | Microsoft Corporation | Electronic bill presentment and payment system with bill dispute capabilities |
US7013315B1 (en) | 1996-11-13 | 2006-03-14 | Intellisync Corporation | Synchronization of databases with record sanitizing and intelligent comparison |
US6212529B1 (en) | 1996-11-13 | 2001-04-03 | Puma Technology, Inc. | Synchronization of databases using filters |
US5836771A (en) | 1996-12-02 | 1998-11-17 | Ho; Chi Fai | Learning method and system based on questioning |
US7890581B2 (en) | 1996-12-16 | 2011-02-15 | Ip Holdings, Inc. | Matching network system for mobile devices |
US6026440A (en) | 1997-01-27 | 2000-02-15 | International Business Machines Corporation | Web server account manager plug-in for monitoring resources |
US6064987A (en) | 1997-03-21 | 2000-05-16 | Walker Digital, Llc | Method and apparatus for providing and processing installment plans at a terminal |
TW396308B (en) | 1997-04-01 | 2000-07-01 | Tumbleweed Software Corp | Document delivery system |
US20010048738A1 (en) | 1997-04-03 | 2001-12-06 | Sbc Technology Resourses, Inc. | Profile management system including user interface for accessing and maintaining profile data of user subscribed telephony services |
GB2321751B (en) | 1997-04-22 | 1999-02-10 | Searchspace Limited | A monitoring system and method |
US6119103A (en) | 1997-05-27 | 2000-09-12 | Visa International Service Association | Financial risk prediction systems and methods therefor |
US7653600B2 (en) | 1997-05-30 | 2010-01-26 | Capital Security Systems, Inc. | Automated document cashing system |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US6457012B1 (en) | 1997-06-10 | 2002-09-24 | Pitney Bowes Inc. | Method and system of updating address records utilizing a clientserver interface |
US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6029141A (en) | 1997-06-27 | 2000-02-22 | Amazon.Com, Inc. | Internet-based customer referral system |
US7403922B1 (en) | 1997-07-28 | 2008-07-22 | Cybersource Corporation | Method and apparatus for evaluating fraud risk in an electronic commerce transaction |
US6523041B1 (en) | 1997-07-29 | 2003-02-18 | Acxiom Corporation | Data linking system and method using tokens |
US6073140A (en) | 1997-07-29 | 2000-06-06 | Acxiom Corporation | Method and system for the creation, enhancement and update of remote data using persistent keys |
US6766327B2 (en) | 1997-07-29 | 2004-07-20 | Acxiom Corporation | Data linking system and method using encoded links |
US6182068B1 (en) | 1997-08-01 | 2001-01-30 | Ask Jeeves, Inc. | Personalized search methods |
US8001048B2 (en) | 1997-08-15 | 2011-08-16 | Masi Larry A | Non-cash transaction incentive and commission distribution system |
US5940812A (en) | 1997-08-19 | 1999-08-17 | Loanmarket Resources, L.L.C. | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network |
US6112190A (en) | 1997-08-19 | 2000-08-29 | Citibank, N.A. | Method and system for commercial credit analysis |
US7376603B1 (en) | 1997-08-19 | 2008-05-20 | Fair Isaac Corporation | Method and system for evaluating customers of a financial institution using customer relationship value tags |
US7430521B2 (en) | 1997-08-28 | 2008-09-30 | Walker Digital, Llc | System and method for managing customized reward offers |
US20040138992A1 (en) | 1997-09-03 | 2004-07-15 | Defrancesco James | Computer implemented automated credit application analysis and decision routing system |
US6128603A (en) | 1997-09-09 | 2000-10-03 | Dent; Warren T. | Consumer-based system and method for managing and paying electronic billing statements |
US5995947A (en) | 1997-09-12 | 1999-11-30 | Imx Mortgage Exchange | Interactive mortgage and loan information and real-time trading system |
US5914472A (en) | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US5963939A (en) | 1997-09-30 | 1999-10-05 | Compaq Computer Corp. | Method and apparatus for an incremental editor technology |
US6104923A (en) | 1997-10-03 | 2000-08-15 | Karen Kite | Remote operational screener |
US6304860B1 (en) | 1997-10-03 | 2001-10-16 | Joseph B. Martin, Jr. | Automated debt payment system and method using ATM network |
US6128599A (en) | 1997-10-09 | 2000-10-03 | Walker Asset Management Limited Partnership | Method and apparatus for processing customized group reward offers |
US6317727B1 (en) | 1997-10-14 | 2001-11-13 | Blackbird Holdings, Inc. | Systems, methods and computer program products for monitoring credit risks in electronic trading systems |
US6072894A (en) | 1997-10-17 | 2000-06-06 | Payne; John H. | Biometric face recognition for applicant screening |
US6128602A (en) | 1997-10-27 | 2000-10-03 | Bank Of America Corporation | Open-architecture system for real-time consolidation of information from multiple financial systems |
EP0913789B1 (en) | 1997-10-31 | 2003-12-10 | Sun Microsystems, Inc. | Pre-paid links to networks servers |
US5978780A (en) | 1997-11-21 | 1999-11-02 | Craig Michael Watson | Integrated bill consolidation, payment aggregation, and settlement system |
US5857174A (en) | 1997-11-21 | 1999-01-05 | Dugan; John W. | Real estate appraisal method and device for standardizing real property marketing analysis by using pre-adjusted appraised comparable sales |
GB9725347D0 (en) | 1997-11-28 | 1998-01-28 | Ncr Int Inc | Database relationship analysis and strategy implementation tool |
US20020169664A1 (en) | 1997-12-01 | 2002-11-14 | Walker Jay S. | System for providing offers using a billing statement |
US7016870B1 (en) | 1997-12-02 | 2006-03-21 | Financial Engines | Identifying a recommended portfolio of financial products for an investor based upon financial products that are available to the investor |
US6021397A (en) | 1997-12-02 | 2000-02-01 | Financial Engines, Inc. | Financial advisory system |
US5918217A (en) | 1997-12-10 | 1999-06-29 | Financial Engines, Inc. | User interface for a financial advisory system |
US6295541B1 (en) | 1997-12-16 | 2001-09-25 | Starfish Software, Inc. | System and methods for synchronizing two or more datasets |
US6115690A (en) | 1997-12-22 | 2000-09-05 | Wong; Charles | Integrated business-to-business Web commerce and business automation system |
JP3598211B2 (en) | 1998-01-13 | 2004-12-08 | 富士通株式会社 | Related word extraction device, related word extraction method, and computer readable recording medium on which related word extraction program is recorded |
US6202053B1 (en) * | 1998-01-23 | 2001-03-13 | First Usa Bank, Na | Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants |
US6249770B1 (en) | 1998-01-30 | 2001-06-19 | Citibank, N.A. | Method and system of financial spreading and forecasting |
US7263497B1 (en) | 1998-02-06 | 2007-08-28 | Microsoft Corporation | Secure online music distribution system |
US6098052A (en) | 1998-02-10 | 2000-08-01 | First Usa Bank, N.A. | Credit card collection strategy model |
US6405173B1 (en) | 1998-03-05 | 2002-06-11 | American Management Systems, Inc. | Decision management system providing qualitative account/customer assessment via point in time simulation |
US6546545B1 (en) | 1998-03-05 | 2003-04-08 | American Management Systems, Inc. | Versioning in a rules based decision management system |
US5999596A (en) | 1998-03-06 | 1999-12-07 | Walker Asset Management Limited | Method and system for controlling authorization of credit card transactions |
US20020055906A1 (en) | 1998-03-11 | 2002-05-09 | Katz Ronald A. | Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce |
US20020035530A1 (en) | 1998-03-12 | 2002-03-21 | Michael A. Ervolini | Computer system and process for a credit-driven analysis of asset-backed securities |
US6421675B1 (en) | 1998-03-16 | 2002-07-16 | S. L. I. Systems, Inc. | Search engine |
JP4187302B2 (en) | 1998-03-25 | 2008-11-26 | 富士通株式会社 | Relational database synchronization method and recording medium recording the program |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US6064990A (en) | 1998-03-31 | 2000-05-16 | International Business Machines Corporation | System for electronic notification of account activity |
US6330575B1 (en) | 1998-03-31 | 2001-12-11 | International Business Machines Corporation | Web commerce tool kit for distributed payment processing |
US6157707A (en) | 1998-04-03 | 2000-12-05 | Lucent Technologies Inc. | Automated and selective intervention in transaction-based networks |
US6202067B1 (en) | 1998-04-07 | 2001-03-13 | Lucent Technologies, Inc. | Method and apparatus for correct and complete transactions in a fault tolerant distributed database system |
US6421729B1 (en) | 1998-04-14 | 2002-07-16 | Citicorp Development Center, Inc. | System and method for controlling transmission of stored information to internet websites |
US7076465B1 (en) | 1998-04-24 | 2006-07-11 | First Data Corporation | Methods for processing a group of accounts corresponding to different products |
US20020198806A1 (en) | 1998-04-24 | 2002-12-26 | First Data Corporation | Systems and methods for accessing and modifying usage parameters associated with a financial transaction account |
US7050996B1 (en) | 1998-04-24 | 2006-05-23 | First Data Corporation | Method for linking accounts corresponding to different products together to create a group |
US7580856B1 (en) | 1998-04-27 | 2009-08-25 | Robert K. Pliha | Systems and methods for distributing targeted incentives to financial institution customers |
US6385594B1 (en) | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US6567821B1 (en) | 1998-05-15 | 2003-05-20 | Acs State & Local Solutions, Inc. | Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information |
US6185543B1 (en) | 1998-05-15 | 2001-02-06 | Marketswitch Corp. | Method and apparatus for determining loan prepayment scores |
WO1999060481A1 (en) | 1998-05-21 | 1999-11-25 | Equifax Inc. | System and method for authentication of network users with preprocessing |
CA2357003C (en) | 1998-05-21 | 2002-04-09 | Equifax Inc. | System and method for authentication of network users and issuing a digital certificate |
EP1080415B1 (en) | 1998-05-21 | 2017-01-18 | Equifax Inc. | System and method for authentication of network users |
US7083087B1 (en) | 2000-09-18 | 2006-08-01 | E-Micro Corporation | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
US6311169B2 (en) | 1998-06-11 | 2001-10-30 | Consumer Credit Associates, Inc. | On-line consumer credit data reporting system |
US6154729A (en) | 1998-06-19 | 2000-11-28 | First Data Corporation | Method of reporting merchant information to banks |
US6731612B1 (en) | 1998-06-29 | 2004-05-04 | Microsoft Corporation | Location-based web browsing |
US6182142B1 (en) | 1998-07-10 | 2001-01-30 | Encommerce, Inc. | Distributed access management of information resources |
US6453353B1 (en) | 1998-07-10 | 2002-09-17 | Entrust, Inc. | Role-based navigation of information resources |
US7249114B2 (en) | 1998-08-06 | 2007-07-24 | Cybersettle Holdings, Inc. | Computerized dispute resolution system and method |
US7840440B2 (en) | 1998-08-06 | 2010-11-23 | Cybersettle Holdings, Inc. | Computerized transaction bargaining system and method |
US6330551B1 (en) | 1998-08-06 | 2001-12-11 | Cybersettle.Com, Inc. | Computerized dispute resolution system and method |
AU5568399A (en) | 1998-08-20 | 2000-03-14 | Equifax, Inc. | System and method for updating a credit information database |
US6343279B1 (en) | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
US6397197B1 (en) | 1998-08-26 | 2002-05-28 | E-Lynxx Corporation | Apparatus and method for obtaining lowest bid from information product vendors |
AU6049999A (en) | 1998-09-17 | 2000-04-03 | Nexchange Corporation | Affiliate commerce system and method |
US6253203B1 (en) | 1998-10-02 | 2001-06-26 | Ncr Corporation | Privacy-enhanced database |
US6275824B1 (en) | 1998-10-02 | 2001-08-14 | Ncr Corporation | System and method for managing data privacy in a database management system |
US20010011247A1 (en) | 1998-10-02 | 2001-08-02 | O'flaherty Kenneth W. | Privacy-enabled loyalty card system and method |
US7689563B1 (en) | 1998-10-20 | 2010-03-30 | Jacobson Andrea M | Electronic record management system |
US7236950B2 (en) | 1998-10-29 | 2007-06-26 | Universal Card Services Corp. | Method and system of combined billing of multiple accounts on a single statement |
US6324524B1 (en) | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
US6405181B2 (en) | 1998-11-03 | 2002-06-11 | Nextcard, Inc. | Method and apparatus for real time on line credit approval |
US6567791B2 (en) | 1998-11-03 | 2003-05-20 | Nextcard, Inc. | Method and apparatus for a verifiable on line rejection of an application for credit |
US6795812B1 (en) | 1998-11-03 | 2004-09-21 | Nextcard, Inc. | Implementing a counter offer for an on line credit card application |
US6149441A (en) | 1998-11-06 | 2000-11-21 | Technology For Connecticut, Inc. | Computer-based educational system |
US6254000B1 (en) | 1998-11-13 | 2001-07-03 | First Data Corporation | System and method for providing a card transaction authorization fraud warning |
US6574736B1 (en) | 1998-11-30 | 2003-06-03 | Microsoft Corporation | Composable roles |
US6341265B1 (en) | 1998-12-03 | 2002-01-22 | P5 E.Health Services, Inc. | Provider claim editing and settlement system |
US6298348B1 (en) | 1998-12-03 | 2001-10-02 | Expanse Networks, Inc. | Consumer profiling system |
US20060136595A1 (en) | 1998-12-08 | 2006-06-22 | Ramakrishna Satyavolu | Network-based verification and fraud-prevention system |
US6532450B1 (en) | 1998-12-09 | 2003-03-11 | American Management Systems, Inc. | Financial management system including an offset payment process |
US6327578B1 (en) | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
US6233566B1 (en) | 1998-12-31 | 2001-05-15 | Ultraprise Corporation | System, method and computer program product for online financial products trading |
US6085242A (en) | 1999-01-05 | 2000-07-04 | Chandra; Rohit | Method for managing a repository of user information using a personalized uniform locator |
EP1028401A3 (en) | 1999-02-12 | 2003-06-25 | Citibank, N.A. | Method and system for performing a bankcard transaction |
US6397212B1 (en) | 1999-03-04 | 2002-05-28 | Peter Biffar | Self-learning and self-personalizing knowledge search engine that delivers holistic results |
US7117172B1 (en) | 1999-03-11 | 2006-10-03 | Corecard Software, Inc. | Methods and systems for managing financial accounts |
US20020059139A1 (en) | 1999-03-12 | 2002-05-16 | Scott Evans | System and method for debt presentment and resolution |
US20040019560A1 (en) | 1999-03-12 | 2004-01-29 | Evans Scott L. | System and method for debt presentment and resolution |
AU3092999A (en) | 1999-03-16 | 2000-10-04 | Rafael Amezcua Arreola | Digital-timeshare-exchange |
US6985887B1 (en) | 1999-03-19 | 2006-01-10 | Suncrest Llc | Apparatus and method for authenticated multi-user personal information database |
US20040083184A1 (en) | 1999-04-19 | 2004-04-29 | First Data Corporation | Anonymous card transactions |
US7542922B2 (en) | 2000-03-21 | 2009-06-02 | Bennett James D | Online purchasing system supporting sellers with affordability screening |
US8036941B2 (en) | 2000-03-21 | 2011-10-11 | Bennett James D | Online purchasing system supporting lenders with affordability screening |
US6430539B1 (en) | 1999-05-06 | 2002-08-06 | Hnc Software | Predictive modeling of consumer financial behavior |
US7685067B1 (en) | 1999-05-14 | 2010-03-23 | Amazon.Com, Inc. | Computer-assisted funds transfer system |
US6901383B1 (en) | 1999-05-20 | 2005-05-31 | Ameritrade Holding Corporation | Stock purchase indices |
US6748369B2 (en) | 1999-06-21 | 2004-06-08 | General Electric Company | Method and system for automated property valuation |
US7058817B1 (en) | 1999-07-02 | 2006-06-06 | The Chase Manhattan Bank | System and method for single sign on process for websites with multiple applications and services |
US6356937B1 (en) | 1999-07-06 | 2002-03-12 | David Montville | Interoperable full-featured web-based and client-side e-mail system |
US6804346B1 (en) | 1999-07-13 | 2004-10-12 | Interactive Intelligence, Inc. | Staged predictive dialing system |
US7395239B1 (en) | 1999-07-19 | 2008-07-01 | American Business Financial | System and method for automatically processing loan applications |
US8126794B2 (en) | 1999-07-21 | 2012-02-28 | Longitude Llc | Replicated derivatives having demand-based, adjustable returns, and trading exchange therefor |
MXPA02000669A (en) | 1999-07-21 | 2003-07-21 | Global Straight Through Proc A | Systems and methods for facilitating settlement of cross-border securities transactions. |
US7742972B2 (en) | 1999-07-21 | 2010-06-22 | Longitude Llc | Enhanced parimutuel wagering |
WO2001008066A1 (en) | 1999-07-26 | 2001-02-01 | Iprivacy Llc | Electronic purchase of goods over a communication network including physical delivery while securing private and personal information |
US6754037B1 (en) | 1999-07-28 | 2004-06-22 | Storage Technology Corporation | Small library horseshoe architecture |
US6386444B1 (en) | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
AU6387200A (en) | 1999-07-30 | 2001-02-19 | Accenture Llp | A system, method and article of manufacture for a host framework design in an e-commerce architecture |
US7100195B1 (en) | 1999-07-30 | 2006-08-29 | Accenture Llp | Managing user information on an e-commerce system |
US6892307B1 (en) | 1999-08-05 | 2005-05-10 | Sun Microsystems, Inc. | Single sign-on framework with trust-level mapping to authentication requirements |
US6941323B1 (en) | 1999-08-09 | 2005-09-06 | Almen Laboratories, Inc. | System and method for image comparison and retrieval by enhancing, defining, and parameterizing objects in images |
US7856203B2 (en) | 1999-08-27 | 2010-12-21 | CourteousCellphones LLC (Texas) | System for inhibiting texting and similar distractions while driving moving vehicles |
US6725381B1 (en) | 1999-08-31 | 2004-04-20 | Tumbleweed Communications Corp. | Solicited authentication of a specific user |
US8600869B1 (en) | 1999-08-31 | 2013-12-03 | Capital One Financial Corporation | System and method for assigning a line of credit to a credit card account |
US6446048B1 (en) | 1999-09-03 | 2002-09-03 | Intuit, Inc. | Web-based entry of financial transaction information and subsequent download of such information |
US7260724B1 (en) | 1999-09-20 | 2007-08-21 | Security First Corporation | Context sensitive dynamic authentication in a cryptographic system |
US20040102197A1 (en) | 1999-09-30 | 2004-05-27 | Dietz Timothy Alan | Dynamic web page construction based on determination of client device location |
US7373324B1 (en) | 1999-10-07 | 2008-05-13 | Robert C. Osborne | Method and system for exchange of financial investment advice |
US6988085B2 (en) | 1999-10-19 | 2006-01-17 | Shad Hedy | System and method for real-time electronic inquiry, delivery, and reporting of credit information |
US7085739B1 (en) | 1999-10-20 | 2006-08-01 | Accenture Llp | Method and system for facilitating, coordinating and managing a competitive marketplace |
US6629245B1 (en) | 1999-10-22 | 2003-09-30 | Arthur D. Stone | Apparatus for stimulating keypad entry of an access code into a keypad type security system |
US7630986B1 (en) | 1999-10-27 | 2009-12-08 | Pinpoint, Incorporated | Secure data interchange |
US7987431B2 (en) | 1999-10-29 | 2011-07-26 | Surfcast, Inc. | System and method for simultaneous display of multiple information sources |
US20010044756A1 (en) | 1999-10-29 | 2001-11-22 | E-Duction, Inc. | Payroll deduction system and method including provision for financing and dispute resolution |
US7401040B2 (en) | 1999-11-01 | 2008-07-15 | Accenture Llp | Financial modeling and counseling system |
US7315837B2 (en) | 1999-11-01 | 2008-01-01 | Accenture Llp | Communication interface for a financial modeling and counseling system |
US7475032B1 (en) | 1999-11-16 | 2009-01-06 | Ameriprise Financial, Inc. | Systems and methods for creating financial advice applications |
AU1802601A (en) | 1999-11-26 | 2001-06-04 | Esurance, Inc. | Insurance marketing methods |
US7181418B1 (en) | 1999-11-30 | 2007-02-20 | John Todd Zucker | Internet customer service method and system |
US6714944B1 (en) | 1999-11-30 | 2004-03-30 | Verivita Llc | System and method for authenticating and registering personal background data |
AU3970701A (en) | 1999-12-01 | 2001-06-12 | Efunds Corporation | Method and system for funding a financial account |
US20030065563A1 (en) | 1999-12-01 | 2003-04-03 | Efunds Corporation | Method and apparatus for atm-based cross-selling of products and services |
US6384844B1 (en) | 1999-12-01 | 2002-05-07 | Efunds Corporation | Method and apparatus for use in entering financial data into an electronic device |
US20020069182A1 (en) | 1999-12-06 | 2002-06-06 | Dwyer Stephen C. | System and method for alternative dispute resolution |
HUP0200051A2 (en) | 1999-12-10 | 2002-04-29 | Ntt Docomo Inc | Mobile communication terminal and card information reader |
US6397224B1 (en) | 1999-12-10 | 2002-05-28 | Gordon W. Romney | Anonymously linking a plurality of data records |
US20020049624A1 (en) | 1999-12-10 | 2002-04-25 | Raveis William M. | System and method for tracking real estate transactions |
US7720750B2 (en) | 1999-12-15 | 2010-05-18 | Equifax, Inc. | Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants |
WO2001045018A1 (en) | 1999-12-17 | 2001-06-21 | Dorado Network Systems Corporation | Purpose-based adaptive rendering |
US6622131B1 (en) | 1999-12-23 | 2003-09-16 | Rategenius, Inc. | Method and system for auctioning loans through a computing system |
US6901406B2 (en) | 1999-12-29 | 2005-05-31 | General Electric Capital Corporation | Methods and systems for accessing multi-dimensional customer data |
US8078527B2 (en) | 1999-12-29 | 2011-12-13 | The Western Union Company | Methods and systems for actively optimizing a credit score and managing/reducing debt |
US7120599B2 (en) | 1999-12-30 | 2006-10-10 | Ge Capital Commercial Finance, Inc. | Methods and systems for modeling using classification and regression trees |
US7177836B1 (en) | 1999-12-30 | 2007-02-13 | First Data Corporation | Method and system for facilitating financial transactions between consumers over the internet |
JP2004501413A (en) | 2000-01-06 | 2004-01-15 | イースピード, インコーポレイテッド | System and method for monitoring the credit of a transaction counterparty |
US6845448B1 (en) | 2000-01-07 | 2005-01-18 | Pennar Software Corporation | Online repository for personal information |
US6571236B1 (en) | 2000-01-10 | 2003-05-27 | General Electric Company | Method and apparatus for problem diagnosis and solution |
AU2001230933A1 (en) | 2000-01-14 | 2001-07-24 | Catavault | Method and system for secure personal authentication credentials data over a network |
CA2331429A1 (en) | 2000-01-18 | 2001-07-18 | James Stein | System and method for real-time updating service provider ratings |
US7328233B2 (en) | 2000-01-19 | 2008-02-05 | Corybant, Inc. | Method and apparatus for implementing an active information model |
US7395241B1 (en) | 2000-01-19 | 2008-07-01 | Intuit Inc. | Consumer-directed financial transfers using automated clearinghouse networks |
US6871287B1 (en) | 2000-01-21 | 2005-03-22 | John F. Ellingson | System and method for verification of identity |
US7822683B2 (en) | 2000-01-21 | 2010-10-26 | Microsoft Corporation | System and method for secure third-party development and hosting within a financial services network |
US20030069839A1 (en) | 2000-01-24 | 2003-04-10 | Whittington Barry R. | Method for confirming and reporting financial data |
US20030097342A1 (en) | 2000-01-24 | 2003-05-22 | Whittingtom Barry R. | Method for verifying employment data |
US7191150B1 (en) | 2000-02-01 | 2007-03-13 | Fair Isaac Corporation | Enhancing delinquent debt collection using statistical models of debt historical information and account events |
JP2001216391A (en) | 2000-02-02 | 2001-08-10 | Seiko Epson Corp | Method and system for managing reception of order |
US20010029470A1 (en) | 2000-02-03 | 2001-10-11 | R. Steven Schultz | Electronic transaction receipt system and method |
US20030018578A1 (en) | 2000-02-03 | 2003-01-23 | Schultz Roger Stephen | Product registration using an electronically read serial number |
AU2001233141A1 (en) | 2000-02-04 | 2001-08-14 | America Online Incorporated | Methods and systems of automated client-server data validation |
US7418417B2 (en) | 2000-02-11 | 2008-08-26 | Goldman Sachs & Co. | Credit index, a system and method for structuring a credit index, and a system and method for operating a credit index |
US7630903B1 (en) | 2000-02-15 | 2009-12-08 | Square Trape, Inc. | Electronic dispute resolution system |
US6867789B1 (en) | 2000-02-15 | 2005-03-15 | Bank One, Delaware, National Association | System and method for generating graphical user interfaces |
US7181420B2 (en) | 2000-02-18 | 2007-02-20 | Oracle International Corporation | Methods and systems for online self-service receivables management and automated online receivables dispute resolution |
KR20030011070A (en) | 2000-02-22 | 2003-02-06 | 윤인선 | Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet |
US7310618B2 (en) | 2000-02-22 | 2007-12-18 | Lehman Brothers Inc. | Automated loan evaluation system |
US20010027413A1 (en) | 2000-02-23 | 2001-10-04 | Bhutta Hafiz Khalid Rehman | System, software and method of evaluating, buying and selling consumer's present and potential buying power through a clearing house |
US7366695B1 (en) | 2000-02-29 | 2008-04-29 | First Data Corporation | Electronic purchase method and funds transfer system |
US7124144B2 (en) | 2000-03-02 | 2006-10-17 | Actuate Corporation | Method and apparatus for storing semi-structured data in a structured manner |
US7076462B1 (en) | 2000-03-02 | 2006-07-11 | Nelson Joseph E | System and method for electronic loan application and for correcting credit report errors |
US7107241B1 (en) | 2000-03-10 | 2006-09-12 | Lenders Residential Asset Company Llc | System and method for processing a secured collateral loan |
US20030061104A1 (en) | 2000-03-16 | 2003-03-27 | Thomson Robert W. | Internet based warranty and repair service |
US20100179906A1 (en) | 2000-03-17 | 2010-07-15 | Michael Hawkes | Payment authorization method and apparatus |
US7493655B2 (en) | 2000-03-22 | 2009-02-17 | Comscore Networks, Inc. | Systems for and methods of placing user identification in the header of data packets usable in user demographic reporting and collecting usage data |
US7260837B2 (en) | 2000-03-22 | 2007-08-21 | Comscore Networks, Inc. | Systems and methods for user identification, user demographic reporting and collecting usage data usage biometrics |
US7930285B2 (en) | 2000-03-22 | 2011-04-19 | Comscore, Inc. | Systems for and methods of user demographic reporting usable for identifying users and collecting usage data |
EP1146701B1 (en) | 2000-03-24 | 2005-11-09 | AllisBlue s.a. | Method of transferring data being stored in a database |
US6564210B1 (en) | 2000-03-27 | 2003-05-13 | Virtual Self Ltd. | System and method for searching databases employing user profiles |
US7725385B2 (en) | 2000-03-29 | 2010-05-25 | American Express Travel Related Services Company, Inc. | System and method for facilitating the handling of a dispute using disparate architectures |
US7249113B1 (en) | 2000-03-29 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for facilitating the handling of a dispute |
US6539392B1 (en) | 2000-03-29 | 2003-03-25 | Bizrate.Com | System and method for data collection, evaluation, information generation, and presentation |
JP2001282957A (en) | 2000-03-29 | 2001-10-12 | Moody's Investers Service Inc | System and method for analyzing credit risk |
US6665715B1 (en) | 2000-04-03 | 2003-12-16 | Infosplit Inc | Method and systems for locating geographical locations of online users |
US7343295B2 (en) | 2000-04-05 | 2008-03-11 | Brenda Pomerance | Automated complaint resolution system |
US20010044729A1 (en) | 2000-04-05 | 2001-11-22 | Brenda Pomerance | Automated complaint management system |
US7263506B2 (en) | 2000-04-06 | 2007-08-28 | Fair Isaac Corporation | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites |
US7848972B1 (en) | 2000-04-06 | 2010-12-07 | Metavante Corporation | Electronic bill presentment and payment systems and processes |
US8006261B1 (en) | 2000-04-07 | 2011-08-23 | Visible World, Inc. | System and method for personalized message creation and delivery |
US8145556B2 (en) | 2000-04-10 | 2012-03-27 | Tealdi Daniel A | Online mortgage approval and settlement system and method therefor |
US20010039532A1 (en) | 2000-04-11 | 2001-11-08 | Coleman William Edward | Chargeback calculator |
US6839690B1 (en) | 2000-04-11 | 2005-01-04 | Pitney Bowes Inc. | System for conducting business over the internet |
WO2001080053A2 (en) | 2000-04-14 | 2001-10-25 | Mathias Client Management Software Company | Method and system for interfacing clients with relationship management (rm) accounts and for permissioning marketing |
US8032453B2 (en) | 2000-04-14 | 2011-10-04 | Citicorp Development Center, Inc. | Method and system for notifying customers of transaction opportunities |
US20020010616A1 (en) | 2000-04-17 | 2002-01-24 | Dani Itzhaki | System and method for dissemination of counseling and advice in a distributed networking environment |
US7698217B1 (en) | 2000-04-20 | 2010-04-13 | Christopher Phillips | Masking private billing data by assigning other billing data to use in commerce with businesses |
CA2407653A1 (en) | 2000-04-24 | 2001-11-01 | Visa International Service Association | Online payer authentication service |
US6965881B1 (en) | 2000-04-24 | 2005-11-15 | Intel Corporation | Digital credential usage reporting |
JP2001306503A (en) | 2000-04-26 | 2001-11-02 | Nec Niigata Ltd | Authentication system for individual and authentication method for individual used therefor |
US20010037289A1 (en) | 2000-04-27 | 2001-11-01 | Mona Mayr | Methods and systems of identifying, processing and credit evaluating low-moderate income populations and reject inferencing of credit applicants |
JP2001312586A (en) | 2000-04-28 | 2001-11-09 | Tokio Marine & Fire Insurance Co Ltd | Support system for providing of ranking-related service and support method therefor |
US7386511B2 (en) | 2000-04-28 | 2008-06-10 | Netdeposit Inc. | Methods and systems for processing financial instrument deposits |
US6807533B1 (en) | 2000-05-02 | 2004-10-19 | General Electric Canada Equipment Finance G.P. | Web-based method and system for managing account receivables |
AU2001259815A1 (en) | 2000-05-04 | 2001-11-12 | Mighty Net, Incorporated | Card management system and method therefore |
US7725525B2 (en) | 2000-05-09 | 2010-05-25 | James Duncan Work | Method and apparatus for internet-based human network brokering |
US6965889B2 (en) | 2000-05-09 | 2005-11-15 | Fair Isaac Corporation | Approach for generating rules |
US7020679B2 (en) | 2000-05-12 | 2006-03-28 | Taoofsearch, Inc. | Two-level internet search service system |
US20010037204A1 (en) | 2000-05-12 | 2001-11-01 | Horn John R. | System and method for on line resolution of disputes |
WO2001088789A1 (en) | 2000-05-15 | 2001-11-22 | Nifty Corporation | Order processing system and method |
AU2001259992B2 (en) | 2000-05-17 | 2006-02-16 | Tvc International Inc. | Continuously updated data processing system and method for measuring and reporting on value creation performance |
US20020013827A1 (en) | 2000-05-18 | 2002-01-31 | Edstrom Claes G.R. | Personal service environment management apparatus and methods |
US20030158960A1 (en) | 2000-05-22 | 2003-08-21 | Engberg Stephan J. | System and method for establishing a privacy communication path |
US7062475B1 (en) | 2000-05-30 | 2006-06-13 | Alberti Anemometer Llc | Personalized multi-service computer environment |
US6865574B1 (en) | 2000-06-02 | 2005-03-08 | Vignette Corporation | Method for client-side personalization |
US20060155639A1 (en) | 2000-06-03 | 2006-07-13 | Joan Lynch | System and method for automated process of deal structuring |
US6622266B1 (en) | 2000-06-09 | 2003-09-16 | International Business Machines Corporation | Method for specifying printer alert processing |
US20020013899A1 (en) | 2000-06-17 | 2002-01-31 | Faul Jacob Joel | Automated document distribution and transaction verification |
US20020045154A1 (en) | 2000-06-22 | 2002-04-18 | Wood E. Vincent | Method and system for determining personal characteristics of an individaul or group and using same to provide personalized advice or services |
US7024386B1 (en) | 2000-06-23 | 2006-04-04 | Ebs Group Limited | Credit handling in an anonymous trading system |
KR20000063313A (en) | 2000-06-26 | 2000-11-06 | 지월성 | Synthesis of People Search (Online) and Direct Search Agent (Offline) Using Internet |
US20020035480A1 (en) | 2000-06-28 | 2002-03-21 | Robert Gordon | Alternative dispute resolution preparation method and systems |
US20020029192A1 (en) | 2000-06-29 | 2002-03-07 | Hitachi, Ltd | Settlement method and system |
US6781608B1 (en) | 2000-06-30 | 2004-08-24 | America Online, Inc. | Gradual image display |
US7587368B2 (en) | 2000-07-06 | 2009-09-08 | David Paul Felsher | Information record infrastructure, system and method |
US7640200B2 (en) | 2000-07-10 | 2009-12-29 | Byallaccounts, Inc. | Financial portfolio management system and method |
US20030105710A1 (en) | 2000-07-11 | 2003-06-05 | Ellen Barbara | Method and system for on-line payments |
US6999941B1 (en) | 2000-07-11 | 2006-02-14 | Amazon.Com, Inc. | Providing gift clustering functionality to assist a user in ordering multiple items for a recipient |
US7359880B2 (en) | 2000-07-11 | 2008-04-15 | Abel Luther C | System and method for consumer control over card-based transactions |
US7610216B1 (en) | 2000-07-13 | 2009-10-27 | Ebay Inc. | Method and system for detecting fraud |
US7177849B2 (en) | 2000-07-13 | 2007-02-13 | International Business Machines Corporation | Method for validating an electronic payment by a credit/debit card |
CN100478942C (en) | 2000-07-14 | 2009-04-15 | 上下文连接公司 | A system and method for directory services and e-commerce across multi-provider networks |
US6523021B1 (en) | 2000-07-31 | 2003-02-18 | Microsoft Corporation | Business directory search engine |
US20040199456A1 (en) | 2000-08-01 | 2004-10-07 | Andrew Flint | Method and apparatus for explaining credit scores |
US7280980B1 (en) | 2000-08-01 | 2007-10-09 | Fair Isaac Corporation | Algorithm for explaining credit scores |
US6873972B1 (en) | 2000-08-01 | 2005-03-29 | General Electric Company | Systems and methods for credit line monitoring |
US20020035520A1 (en) | 2000-08-02 | 2002-03-21 | Weiss Allan N. | Property rating and ranking system and method |
US7039176B2 (en) | 2000-08-14 | 2006-05-02 | Telephony@Work | Call center administration manager with rules-based routing prioritization |
US7206768B1 (en) | 2000-08-14 | 2007-04-17 | Jpmorgan Chase Bank, N.A. | Electronic multiparty accounts receivable and accounts payable system |
US20050154664A1 (en) | 2000-08-22 | 2005-07-14 | Guy Keith A. | Credit and financial information and management system |
AU2001285284B2 (en) | 2000-08-25 | 2005-02-24 | American Express Travel Related Services Company, Inc. | System and method for account reconciliation |
US7395232B1 (en) | 2000-08-30 | 2008-07-01 | Traderisks, Inc. | Method and system for providing financial functions |
US20020052836A1 (en) | 2000-08-31 | 2002-05-02 | Yuri Galperin | Method and apparatus for determining a prepayment score for an individual applicant |
US6647383B1 (en) | 2000-09-01 | 2003-11-11 | Lucent Technologies Inc. | System and method for providing interactive dialogue and iterative search functions to find information |
JP2002092305A (en) | 2000-09-13 | 2002-03-29 | Hitachi Ltd | Score calculating method, and score providing method |
US20020033846A1 (en) | 2000-09-14 | 2002-03-21 | Ramakrishnan Balasubramanian | Apparatus for controlling the display of and for resolving special characters in URLs, URIs & email addresses and mehtod therefor |
AU2000274549A1 (en) | 2000-09-19 | 2002-04-15 | Chulhee Lee | Method for finding a person by using an internet web site |
US6810323B1 (en) | 2000-09-25 | 2004-10-26 | Motorola, Inc. | System and method for storing and using information associated with geographic locations of interest to a mobile user |
US8762178B2 (en) | 2000-09-30 | 2014-06-24 | Advisen, Ltd. | System and method for providing global information on risks and related hedging strategies |
US7428495B2 (en) | 2000-10-02 | 2008-09-23 | International Projects Consultancy Services, Inc. | Object based workflow system and method |
US20030115122A1 (en) | 2000-10-13 | 2003-06-19 | Slater Michael Sol | System and method for alert processing and delivery |
CA2424588A1 (en) | 2000-10-18 | 2002-04-25 | Steve Shaya | Intelligent performance-based product recommendation system |
US8209257B2 (en) | 2000-10-19 | 2012-06-26 | Peter K. Trzyna | System for transfering an inbound communication to one of a plurality of credit-counseling agencies |
US7827097B2 (en) | 2000-10-19 | 2010-11-02 | Peter K. Trzyna | System for transferring an inbond communication to one of a plurality of credit-counseling agencies |
US7174301B2 (en) | 2000-10-23 | 2007-02-06 | Costar Group, Inc. | System and method for accessing geographic-based data |
US7487114B2 (en) | 2000-10-23 | 2009-02-03 | Costar Group, Inc. | System and method for associating aerial images, map features, and information |
US7640204B2 (en) | 2000-10-23 | 2009-12-29 | Costar Group, Inc. | System and method for collection, distribution, and use of information in connection with commercial real estate |
WO2002035314A2 (en) | 2000-10-24 | 2002-05-02 | Doubleclick, Inc. | Method and system for sharing anonymous user information |
US6636875B1 (en) | 2000-10-25 | 2003-10-21 | International Business Machines Corporation | System and method for synchronizing related data elements in disparate storage systems |
US7383215B1 (en) | 2000-10-26 | 2008-06-03 | Fair Isaac Corporation | Data center for account management |
US20020052841A1 (en) | 2000-10-27 | 2002-05-02 | Guthrie Paul D. | Electronic payment system |
US6754640B2 (en) | 2000-10-30 | 2004-06-22 | William O. Bozeman | Universal positive pay match, authentication, authorization, settlement and clearing system |
US7333953B1 (en) | 2000-10-31 | 2008-02-19 | Wells Fargo Bank, N.A. | Method and apparatus for integrated payments processing and decisioning for internet transactions |
US20100299251A1 (en) | 2000-11-06 | 2010-11-25 | Consumer And Merchant Awareness Foundation | Pay yourself first with revenue generation |
US6678694B1 (en) | 2000-11-08 | 2004-01-13 | Frank Meik | Indexed, extensible, interactive document retrieval system |
US7991688B2 (en) | 2000-11-14 | 2011-08-02 | Knowledge Works Inc. | Methods and apparatus for automatically exchanging credit information |
US8630938B2 (en) | 2000-11-15 | 2014-01-14 | Ebay Inc. | Method and apparatus to detect fraudulent activities within a network-based auction facility |
KR20020039203A (en) | 2000-11-20 | 2002-05-25 | 노세웅 | Method of Searching for a person Using Computer Network. |
JP2002163449A (en) | 2000-11-29 | 2002-06-07 | World Business Management Kk | Method and system for financing and evaluating method for technology-secured credit |
US20030009418A1 (en) | 2000-12-08 | 2003-01-09 | Green Gerald M. | Systems and methods for electronically verifying and processing information |
US20020107765A1 (en) | 2000-12-13 | 2002-08-08 | Timothy Walker | Electronic financing system |
US20040249811A1 (en) | 2000-12-14 | 2004-12-09 | Shostack Ronald N. | Web based dating service with filter for filtering potential friends/mates using physical and/or personality attractiveness criteria |
US20040190688A1 (en) | 2003-03-31 | 2004-09-30 | Timmins Timothy A. | Communications methods and systems using voiceprints |
US7254558B2 (en) | 2000-12-21 | 2007-08-07 | Ge Corporate Financial Services, Inc. | Method and system for prioritizing debt collections |
US7711818B2 (en) | 2000-12-22 | 2010-05-04 | Oracle International Corporation | Support for multiple data stores |
US6782379B2 (en) | 2000-12-22 | 2004-08-24 | Oblix, Inc. | Preparing output XML based on selected programs and XML templates |
US6816871B2 (en) | 2000-12-22 | 2004-11-09 | Oblix, Inc. | Delivering output XML with dynamically selectable processing |
US6928487B2 (en) | 2000-12-23 | 2005-08-09 | International Business Machines Corporation | Computer system, method, and business method for automating business-to-business communications |
US20020087460A1 (en) | 2001-01-04 | 2002-07-04 | Hornung Katharine A. | Method for identity theft protection |
US20020091650A1 (en) | 2001-01-09 | 2002-07-11 | Ellis Charles V. | Methods of anonymizing private information |
US7529698B2 (en) | 2001-01-16 | 2009-05-05 | Raymond Anthony Joao | Apparatus and method for providing transaction history information, account history information, and/or charge-back information |
US7472088B2 (en) | 2001-01-19 | 2008-12-30 | Jpmorgan Chase Bank N.A. | System and method for offering a financial product |
US20020099635A1 (en) | 2001-01-24 | 2002-07-25 | Jack Guiragosian | Control of account utilization |
US7346492B2 (en) | 2001-01-24 | 2008-03-18 | Shaw Stroz Llc | System and method for computerized psychological content analysis of computer and media generated communications to produce communications management support, indications, and warnings of dangerous behavior, assessment of media images, and personnel selection support |
US6947989B2 (en) | 2001-01-29 | 2005-09-20 | International Business Machines Corporation | System and method for provisioning resources to users based on policies, roles, organizational information, and attributes |
US20020103933A1 (en) | 2001-01-29 | 2002-08-01 | Ross Garon | Internet-access enabled device personalization |
CA2335395A1 (en) | 2001-02-09 | 2002-08-09 | Opengraphics Corporation | Controlled access system for online communities |
US20060014129A1 (en) | 2001-02-09 | 2006-01-19 | Grow.Net, Inc. | System and method for processing test reports |
US6543683B2 (en) | 2001-02-12 | 2003-04-08 | Ncr Corporation | System and method for providing consumer access to a stored digital receipt generated as a result of a purchase transaction and to business/consumer applications related to the stored digital receipt |
US6947897B2 (en) | 2001-02-13 | 2005-09-20 | Capital One Financial Corporation | System and method for managing consumer information |
US7356503B1 (en) | 2001-02-21 | 2008-04-08 | Fair Isaac And Company, Inc. | ASP business decision engine |
US7711635B2 (en) | 2001-02-22 | 2010-05-04 | Fair Isaac Corporation | System and method for helping consumers understand and interpret credit scores |
US8078524B2 (en) | 2001-02-22 | 2011-12-13 | Fair Isaac Corporation | Method and apparatus for explaining credit scores |
CA2354372A1 (en) | 2001-02-23 | 2002-08-23 | Efunds Corporation | Electronic payment and authentication system with debit and identification data verification and electronic check capabilities |
US7330717B2 (en) | 2001-02-23 | 2008-02-12 | Lucent Technologies Inc. | Rule-based system and method for managing the provisioning of user applications on limited-resource and/or wireless devices |
US7620592B2 (en) | 2001-02-26 | 2009-11-17 | First Data Corporation | Tiered processing method and system for identifying and mitigating merchant risk |
DE10110924B4 (en) | 2001-03-07 | 2004-01-15 | Deutsche Telekom Ag | Method and computer-readable data carrier for providing at least one personalized web user page |
US20020164070A1 (en) | 2001-03-14 | 2002-11-07 | Kuhner Mark B. | Automatic algorithm generation |
US7302634B2 (en) | 2001-03-14 | 2007-11-27 | Microsoft Corporation | Schema-based services for identity-based data access |
US6353778B1 (en) | 2001-03-15 | 2002-03-05 | International Business Machines Corporation | Automobile computer control system for limiting the usage of wireless telephones on moving automobiles |
US20020133462A1 (en) | 2001-03-16 | 2002-09-19 | Koninklijke Philips Electronics N.V. | Instant electronic notification of credit card use serves as deterrent |
US20020133365A1 (en) | 2001-03-19 | 2002-09-19 | William Grey | System and method for aggregating reputational information |
US20020138470A1 (en) | 2001-03-21 | 2002-09-26 | Inter China Network Software Company Limited | System and method of personal and business web cards |
US7559217B2 (en) | 2001-03-21 | 2009-07-14 | Capital One Financial Corporation | Method and system for offering debt recovery products to a customer |
US6973462B2 (en) | 2001-04-03 | 2005-12-06 | Florida Atlantic University | Integrated guardianship information system |
US20020194117A1 (en) | 2001-04-06 | 2002-12-19 | Oumar Nabe | Methods and systems for customer relationship management |
US7555462B2 (en) | 2001-04-12 | 2009-06-30 | International Business Machines Corporation | Method and apparatus for incorporating scanned checks into financial applications |
US20020156676A1 (en) | 2001-04-17 | 2002-10-24 | Ahrens John C. | System, method, and apparatus for creating and securely managing accounts holding cash equivalents |
EP1251669A1 (en) | 2001-04-19 | 2002-10-23 | BRITISH TELECOMMUNICATIONS public limited company | Communications network |
US20030009426A1 (en) | 2001-04-19 | 2003-01-09 | Marcelo Ruiz-Sanchez | Methods and apparatus for protecting against credit card fraud, check fraud, and identity theft |
JP2002329055A (en) | 2001-04-26 | 2002-11-15 | Dentsu Tec Inc | Customer's property value-evaluating system |
US6848542B2 (en) | 2001-04-27 | 2005-02-01 | Accenture Llp | Method for passive mining of usage information in a location-based services system |
US20020165757A1 (en) | 2001-05-01 | 2002-11-07 | Lisser Charles Steven | Systems, methods and computer program products for comparing business performance |
US20020198830A1 (en) | 2001-05-01 | 2002-12-26 | Randell Wayne L. | Method and system for handling disputes in an electronic invoice management system |
EP1393179A4 (en) | 2001-05-08 | 2005-10-05 | Ipool Corp | Privacy protection system and method |
US7542993B2 (en) | 2001-05-10 | 2009-06-02 | Equifax, Inc. | Systems and methods for notifying a consumer of changes made to a credit report |
US7028052B2 (en) | 2001-05-10 | 2006-04-11 | Equifax, Inc. | Systems and methods for notifying a consumer of changes made to a credit report |
US20020194120A1 (en) | 2001-05-11 | 2002-12-19 | Russell Jeffrey J. | Consultative decision engine method and system for financial transactions |
US7249076B1 (en) | 2001-05-14 | 2007-07-24 | Compucredit Intellectual Property Holdings Corp. Iii | Method for providing credit offering and credit management information services |
US20080021802A1 (en) | 2001-05-14 | 2008-01-24 | Pendleton Mark R | Method for providing credit offering and credit management information services |
US20030009415A1 (en) | 2001-05-14 | 2003-01-09 | Lutnick Howard W. | Methods and systems for trading futures contracts for intangible assets |
US20020173994A1 (en) | 2001-05-21 | 2002-11-21 | Ferguson Joseph M. | Method and apparatus for insuring an insured from identity theft peril and identity reclamation and credit restoration |
US7016907B2 (en) | 2001-05-29 | 2006-03-21 | Sun Microsystems, Inc. | Enumerated roles in a directory system |
US6768988B2 (en) | 2001-05-29 | 2004-07-27 | Sun Microsystems, Inc. | Method and system for incorporating filtered roles in a directory system |
US6796497B2 (en) | 2002-04-23 | 2004-09-28 | American Express Travel Related Services Company, Inc. | System and method for facilitating a subsidiary card account |
US7130839B2 (en) | 2001-05-29 | 2006-10-31 | Sun Microsystems, Inc. | Method and system for grouping entries in a directory server by group memberships defined by roles |
AU2002305848A1 (en) | 2001-06-05 | 2002-12-16 | Goldman Sachs And Co. | A system and method for determining the liquidity of a credit |
US7403919B2 (en) | 2001-06-05 | 2008-07-22 | Goldman Sachs & Co., | System and method for determining the liquidity of a credit |
WO2002099598A2 (en) | 2001-06-07 | 2002-12-12 | First Usa Bank, N.A. | System and method for rapid updating of credit information |
WO2002101617A1 (en) | 2001-06-11 | 2002-12-19 | Sony Corporation | Electronic money system |
US20030002671A1 (en) | 2001-06-11 | 2003-01-02 | Eastman Kodak Company | Delivery of electronic content over a network using a hybrid optical disk for authentication |
US8407136B2 (en) | 2001-06-15 | 2013-03-26 | Capital One Financial Corporation | System and methods for providing starter credit card accounts |
US7233937B2 (en) | 2001-06-18 | 2007-06-19 | Siebel Systems, Inc. | Method, apparatus, and system for searching based on filter search specification |
WO2002103578A1 (en) | 2001-06-19 | 2002-12-27 | Biozak, Inc. | Dynamic search engine and database |
US7603317B2 (en) | 2001-06-19 | 2009-10-13 | International Business Machines Corporation | Using a privacy agreement framework to improve handling of personally identifiable information |
US7580884B2 (en) | 2001-06-25 | 2009-08-25 | Intuit Inc. | Collecting and aggregating creditworthiness data |
US7533050B2 (en) | 2001-06-26 | 2009-05-12 | International Business Machines Corporation | Integration of computer applications and e-business capability |
JP2003016261A (en) | 2001-07-05 | 2003-01-17 | Asahi Bank Ltd | Total financing managing system, credit scoring deciding system and credit guarantee managing system |
US7801828B2 (en) | 2001-07-06 | 2010-09-21 | Candella George J | Method and system for detecting identity theft in non-personal and personal transactions |
US7509278B2 (en) | 2001-07-16 | 2009-03-24 | Jones W Richard | Long-term investing |
US7689489B2 (en) | 2001-07-27 | 2010-03-30 | Scott Fergusson | Methods and systems for assisting financial services firms and their representatives |
AR034959A1 (en) | 2001-07-31 | 2004-03-24 | American Express Travel Relate | SYSTEM AND METHOD TO PROVIDE FINANCIAL PLANNING AND ADVICE. |
US20030028477A1 (en) | 2001-07-31 | 2003-02-06 | Accredited Bankruptcy Services, Inc. | Automated method and system for consumer financial counseling |
US7457775B1 (en) | 2001-08-03 | 2008-11-25 | Cross Joseph H | System and method for selecting securities for investment |
US7243369B2 (en) | 2001-08-06 | 2007-07-10 | Sun Microsystems, Inc. | Uniform resource locator access management and control system and method |
US20030204752A1 (en) | 2001-08-13 | 2003-10-30 | Garrison Greg B. | System and method for securely accessing a database from a remote location |
US7366694B2 (en) | 2001-08-16 | 2008-04-29 | Mortgage Grader, Inc. | Credit/financing process |
US7130861B2 (en) | 2001-08-16 | 2006-10-31 | Sentius International Corporation | Automated creation and delivery of database content |
US7333937B2 (en) | 2001-09-13 | 2008-02-19 | Ads Responsecorp, Inc. | Health care financing method |
WO2003025710A2 (en) | 2001-09-20 | 2003-03-27 | Siepser Steven B | A warranty method and system |
US20030061163A1 (en) | 2001-09-27 | 2003-03-27 | Durfield Richard C. | Method and apparatus for verification/authorization by credit or debit card owner of use of card concurrently with merchant transaction |
US20030208412A1 (en) | 2001-09-28 | 2003-11-06 | Hillestad Willam E. | Method and system facilitating transactions between consumers and service providers |
US20030187768A1 (en) | 2001-10-03 | 2003-10-02 | Ryan Ronald D. | Virtual finance/insurance company |
US20030069943A1 (en) | 2001-10-04 | 2003-04-10 | International Business Machines Corporation | Method and apparatus for user personalized and adaptive business processing modeling and integration |
US6703930B2 (en) | 2001-10-05 | 2004-03-09 | Hewlett-Packard Development Company, L.P. | Personal alerting apparatus and methods |
US8332291B2 (en) | 2001-10-05 | 2012-12-11 | Argus Information and Advisory Services, Inc. | System and method for monitoring managing and valuing credit accounts |
US7403923B2 (en) | 2001-10-12 | 2008-07-22 | Accenture Global Services Gmbh | Debt collection practices |
US8302852B2 (en) | 2001-10-16 | 2012-11-06 | Nicholas Anthony Lindsay Brown | Money management network |
US7546266B2 (en) | 2001-10-18 | 2009-06-09 | General Electric Company | Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale |
US7958049B2 (en) | 2001-11-01 | 2011-06-07 | Metavante Corporation | System and method for obtaining customer bill information and facilitating bill payment at biller websites |
US7370014B1 (en) | 2001-11-01 | 2008-05-06 | Metavante Corporation | Electronic bill presentment and payment system that obtains user bill information from biller web sites |
WO2003040877A2 (en) | 2001-11-02 | 2003-05-15 | Bank Rhode Island | Financial funding system and methods |
US20030093311A1 (en) | 2001-11-05 | 2003-05-15 | Kenneth Knowlson | Targeted advertising |
US7370044B2 (en) | 2001-11-19 | 2008-05-06 | Equifax, Inc. | System and method for managing and updating information relating to economic entities |
US7739707B2 (en) | 2001-11-20 | 2010-06-15 | Starz Entertainment, Llc | Parental controls using view limits |
US7783562B1 (en) | 2001-11-21 | 2010-08-24 | Clayton Fixed Income Services Inc. | Credit risk managing loan pools |
US7552086B1 (en) | 2001-12-03 | 2009-06-23 | Oracle International Corp. | Methods and systems for managing credit |
US7987501B2 (en) | 2001-12-04 | 2011-07-26 | Jpmorgan Chase Bank, N.A. | System and method for single session sign-on |
US8694420B1 (en) | 2001-12-05 | 2014-04-08 | Experian Information Solutions, Inc. | System and method for outputting a credit risk report based on debit data |
US7689451B2 (en) | 2001-12-12 | 2010-03-30 | Capital One Financial Corporation | Systems and methods for marketing financial products and services |
US20030115133A1 (en) | 2001-12-13 | 2003-06-19 | Dun & Bradstreet, Inc. | Higher risk score for identifying potential illegality in business-to-business relationships |
US7222369B2 (en) | 2001-12-20 | 2007-05-22 | Sap Ag | Role-based portal to a workplace system |
US6826568B2 (en) | 2001-12-20 | 2004-11-30 | Microsoft Corporation | Methods and system for model matching |
US20040159700A1 (en) | 2001-12-26 | 2004-08-19 | Vivotech, Inc. | Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device |
JP2003199168A (en) | 2001-12-28 | 2003-07-11 | Nec Corp | Telephone system capable of making call from external equipment |
US6950807B2 (en) | 2001-12-31 | 2005-09-27 | Credit Acceptance Corporation | System and method for providing financing |
US7966192B2 (en) | 2002-01-30 | 2011-06-21 | First Data Corporation | Method and apparatus for processing electronic dispute data |
US7630932B2 (en) | 2002-01-31 | 2009-12-08 | Transunion Interactive, Inc. | Loan rate and lending information analysis system |
US20030154162A1 (en) | 2002-02-11 | 2003-08-14 | Danaher John Thomas | Credit report retrieval system including voice-based interface |
US20030163435A1 (en) | 2002-02-22 | 2003-08-28 | Payone Bernadino J. | Credit repair services system |
US20030163513A1 (en) | 2002-02-22 | 2003-08-28 | International Business Machines Corporation | Providing role-based views from business web portals |
US7221935B2 (en) | 2002-02-28 | 2007-05-22 | Telefonaktiebolaget Lm Ericsson (Publ) | System, method and apparatus for federated single sign-on services |
US6934714B2 (en) | 2002-03-04 | 2005-08-23 | Intelesis Engineering, Inc. | Method and system for identification and maintenance of families of data records |
US6993510B2 (en) | 2002-03-05 | 2006-01-31 | First Data Corporation | System and method for managing accounts |
US20030171942A1 (en) | 2002-03-06 | 2003-09-11 | I-Centrix Llc | Contact relationship management system and method |
AU2003218096A1 (en) | 2002-03-13 | 2003-09-29 | License Monitor Inc. | Method and apparatus for monitoring events concerning record subjects on behalf of third parties |
US7424438B2 (en) | 2002-03-19 | 2008-09-09 | Marc Vianello | Apparatus and methods for providing career and employment services |
US7155725B1 (en) | 2002-03-27 | 2006-12-26 | Danger, Inc. | Apparatus and method for coordinating multiple e-mail accounts |
US7680796B2 (en) | 2003-09-03 | 2010-03-16 | Google, Inc. | Determining and/or using location information in an ad system |
US20080133278A1 (en) | 2002-03-29 | 2008-06-05 | Michael Stanfield | Method and system for providing multi-credit card insurance |
US7562053B2 (en) | 2002-04-02 | 2009-07-14 | Soluble Technologies, Llc | System and method for facilitating transactions between two or more parties |
AU2002251458A1 (en) | 2002-04-03 | 2003-10-13 | Amsoft Systems | System and method for detecting card fraud |
US8374951B2 (en) | 2002-04-10 | 2013-02-12 | Research Affiliates, Llc | System, method, and computer program product for managing a virtual portfolio of financial objects |
US7792719B2 (en) | 2004-02-04 | 2010-09-07 | Research Affiliates, Llc | Valuation indifferent non-capitalization weighted index and portfolio |
CA2381689A1 (en) | 2002-04-12 | 2003-10-12 | Algorithmics International Corp. | System, method and framework for generating scenarios |
US20030195859A1 (en) | 2002-04-16 | 2003-10-16 | Lawrence Jason E. | System and methods for authenticating and monitoring transactions |
US8571971B1 (en) | 2002-04-19 | 2013-10-29 | Wells Fargo Bank, N.A. | Credit application status monitor |
JP4358475B2 (en) | 2002-04-23 | 2009-11-04 | 株式会社 金融工学研究所 | Credit evaluation system |
US8271882B2 (en) | 2002-04-24 | 2012-09-18 | Sap Ag | Processing life and work events |
AU2003245253A1 (en) | 2002-05-06 | 2003-11-11 | Zoot Enterprises, Inc. | System and method of application processing |
US20030212618A1 (en) | 2002-05-07 | 2003-11-13 | General Electric Capital Corporation | Systems and methods associated with targeted leading indicators |
US7051284B2 (en) | 2002-05-16 | 2006-05-23 | Microsoft Corporation | Displaying information to indicate both the importance and the urgency of the information |
US20030220858A1 (en) | 2002-05-24 | 2003-11-27 | Duc Lam | Method and system for collaborative vendor reconciliation |
US7610229B1 (en) | 2002-05-30 | 2009-10-27 | Experian Information Solutions, Inc. | System and method for interactively simulating a credit-worthiness score |
US7593891B2 (en) * | 2003-05-30 | 2009-09-22 | Experian Scorex Llc | Credit score simulation |
US9400589B1 (en) | 2002-05-30 | 2016-07-26 | Consumerinfo.Com, Inc. | Circular rotational interface for display of consumer credit information |
US7200619B2 (en) | 2002-05-31 | 2007-04-03 | International Business Machines Corporation | Method and process to optimize correlation of replicated with extracted data from disparate data sources |
US7509117B2 (en) | 2002-05-31 | 2009-03-24 | Nokia Corporation | Apparatus, and associated method, for notifying a user in a radio communication system of a commercially-related transaction |
US8224723B2 (en) | 2002-05-31 | 2012-07-17 | Jpmorgan Chase Bank, N.A. | Account opening system, method and computer program product |
US20140046872A1 (en) | 2002-06-03 | 2014-02-13 | Research Affiliates, Llc | Method of combining demography, monetary policy metrics, and fiscal policy metrics for security selection, weighting and asset allocation |
US20040111359A1 (en) | 2002-06-04 | 2004-06-10 | Hudock John J. | Business method for credit verification and correction |
US20030229580A1 (en) | 2002-06-10 | 2003-12-11 | David Gass | Method for establishing or improving a credit score or rating for a business |
US7356516B2 (en) | 2002-06-13 | 2008-04-08 | Visa U.S.A. Inc. | Method and system for facilitating electronic dispute resolution |
WO2003107135A2 (en) | 2002-06-17 | 2003-12-24 | Jp Morgan Chase Bank | A system and method for portfolio valuation using an age adjusted delinquency rate |
US7103844B2 (en) | 2002-06-26 | 2006-09-05 | International Business Machines Corporation | Portal/portlet application data synchronization |
US20040010458A1 (en) | 2002-07-10 | 2004-01-15 | First Data Corporation | Methods and systems for organizing information from multiple sources |
US20040019549A1 (en) | 2002-07-26 | 2004-01-29 | Gulbrandsen Jan Martin | Method for estimating whether a stock is over-valued or under-valued |
US7945510B1 (en) | 2002-07-31 | 2011-05-17 | Federal Home Loan Mortgage Corp. (Freddie Mac) | Systems and methods for providing a mortgage with a sliding credit line |
GB2391373A (en) | 2002-07-31 | 2004-02-04 | David Toms | A system for the automatic detection of a fraudulent transaction |
JP2004070445A (en) | 2002-08-01 | 2004-03-04 | Ktfreetel Co Ltd | Batch type billing method and system using distributed processing |
US20040030574A1 (en) | 2002-08-01 | 2004-02-12 | Dicostanzo Donald J. | System and method of warranting products monitored for proper use |
US7606756B2 (en) | 2002-08-02 | 2009-10-20 | Jpmorgan Chase Bank, N.A. | Synthetic funds having structured notes |
US20040030667A1 (en) | 2002-08-02 | 2004-02-12 | Capital One Financial Corporation | Automated systems and methods for generating statistical models |
US20040024709A1 (en) | 2002-08-05 | 2004-02-05 | Yu Paul D. | System and method for determining the identity of a party associated with a transaction |
US20040030621A1 (en) | 2002-08-07 | 2004-02-12 | Cobb Keith B. | Method of reconciling credit union corporate accounts |
US20040133440A1 (en) | 2002-08-22 | 2004-07-08 | Carolan David B. | System and method for objectively managing complex familial interactions and responsibilities |
US20040044628A1 (en) | 2002-08-27 | 2004-03-04 | Microsoft Corporation | Method and system for enforcing online identity consent polices |
US8694327B2 (en) | 2002-08-29 | 2014-04-08 | Hewlett-Packard Development Company, L.P. | Electronic warranty system and method |
JP2004096527A (en) | 2002-09-02 | 2004-03-25 | Pioneer Electronic Corp | Information recording medium stored with reproduction control program and reproduction control program |
US20040044615A1 (en) | 2002-09-03 | 2004-03-04 | Xue Xun Sean | Multiple severity and urgency risk events credit scoring system |
US20040110119A1 (en) | 2002-09-03 | 2004-06-10 | Riconda John R. | Web-based knowledge management system and method for education systems |
US20040044617A1 (en) | 2002-09-03 | 2004-03-04 | Duojia Lu | Methods and systems for enterprise risk auditing and management |
US20040044673A1 (en) | 2002-09-04 | 2004-03-04 | Jeffrey Brady | System and method for a planner and a deduplicating planner |
US7409369B1 (en) | 2002-09-05 | 2008-08-05 | Capital One Financial Corporation | Providing a customer one or more options for increasing a line of credit |
US7299217B2 (en) | 2002-09-09 | 2007-11-20 | Oni Adeboyejo A | Systems and methods for providing adaptive tools for enabling collaborative and integrated decision-making |
US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
US20040122697A1 (en) | 2002-09-20 | 2004-06-24 | Fortis, Inc. | Systems and methods for providing insurance and non-insurance products |
US7792715B1 (en) * | 2002-09-21 | 2010-09-07 | Mighty Net, Incorporated | Method of on-line credit information monitoring and control |
US7085727B2 (en) | 2002-09-26 | 2006-08-01 | Vanorman Stacy L | Movie rental and notification system |
CA2406565A1 (en) | 2002-10-04 | 2004-04-04 | Ibm Canada Limited-Ibm Canada Limitee | Method and apparatus for using business rules or user roles for selecting portlets in a web portal |
US7043476B2 (en) | 2002-10-11 | 2006-05-09 | International Business Machines Corporation | Method and apparatus for data mining to discover associations and covariances associated with data |
US20040122736A1 (en) | 2002-10-11 | 2004-06-24 | Bank One, Delaware, N.A. | System and method for granting promotional rewards to credit account holders |
US20040138995A1 (en) | 2002-10-16 | 2004-07-15 | Fidelity National Financial, Inc. | Preparation of an advanced report for use in assessing credit worthiness of borrower |
US20040107250A1 (en) | 2002-10-21 | 2004-06-03 | Guillermo Marciano | Methods and systems for integrating communication resources using the internet |
JP2006511896A (en) | 2002-10-21 | 2006-04-06 | スペロ,ラファエル | Receipt and related data capture, storage and processing systems and methods |
US6900731B2 (en) | 2002-10-30 | 2005-05-31 | Bellsouth Intellectual Property Corporation | Method for monitoring and tracking objects |
US7451095B1 (en) | 2002-10-30 | 2008-11-11 | Freddie Mac | Systems and methods for income scoring |
US7395273B2 (en) | 2002-10-31 | 2008-07-01 | General Electric Company | System providing receipt inspection reporting |
US20060004626A1 (en) | 2002-10-31 | 2006-01-05 | Eric Holmen | Targeted marketing for subscriptions |
US7330835B2 (en) | 2002-10-31 | 2008-02-12 | Federal Reserve Bank Of Minneapolis | Method and system for tracking and reporting automated clearing house transaction status |
US20040133513A1 (en) | 2002-11-01 | 2004-07-08 | Mccoy Randal | Identity protection technique in matching consumers with electronic billers |
US20040133509A1 (en) | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Technique for making payments for a non-subscriber payor |
US20040133514A1 (en) | 2002-11-01 | 2004-07-08 | Zielke William D. | Selective noticing of availability of an electronic bill based on service provider data |
US20040143546A1 (en) | 2002-11-01 | 2004-07-22 | Wood Jeff A. | Easy user activation of electronic commerce services |
US20040133515A1 (en) | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Distributed matching of consumers with billers having bills available for electronic presentment |
US20040088237A1 (en) | 2002-11-01 | 2004-05-06 | Peter Moenickheim | Identifying candidate billers or payees of a payor |
US7870078B2 (en) | 2002-11-01 | 2011-01-11 | Id Insight Incorporated | System, method and computer program product for assessing risk of identity theft |
US7966255B2 (en) | 2002-11-01 | 2011-06-21 | American Express Travel Related Services Company, Inc. | Method and apparatus for a no pre-set spending limit transaction card |
US7526448B2 (en) | 2002-11-01 | 2009-04-28 | Checkfree Corporation | Matching consumers with billers having bills available for electronic presentment |
AU2003285136A1 (en) | 2002-11-04 | 2004-06-07 | Timothy K. Ford | Method and system for comprehensive real estate transaction management |
US7469416B2 (en) | 2002-11-05 | 2008-12-23 | International Business Machines Corporation | Method for automatically managing information privacy |
US7900052B2 (en) | 2002-11-06 | 2011-03-01 | International Business Machines Corporation | Confidential data sharing and anonymous entity resolution |
EP1562570A4 (en) | 2002-11-06 | 2007-09-05 | Sinai School Medicine | Treatment of amyotrophic lateral sclerosis with nimesulide |
EP1567956A4 (en) | 2002-11-08 | 2007-12-05 | Dun & Bradstreet Inc | System and method for searching and matching databases |
US7720761B2 (en) | 2002-11-18 | 2010-05-18 | Jpmorgan Chase Bank, N. A. | Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts |
US20050154665A1 (en) | 2002-11-22 | 2005-07-14 | Florida Bankers Association, Inc. | Fraud prevention system |
US8290856B1 (en) | 2002-11-27 | 2012-10-16 | Consumerinfo.Com, Inc. | Method for determining insurance benefits and premiums from credit information |
US8290840B2 (en) | 2002-11-27 | 2012-10-16 | Consumerinfo.Com, Inc. | Method for determining insurance benefits and premiums from dynamic credit information |
US20040186807A1 (en) | 2003-03-21 | 2004-09-23 | Nathans Michael G. | Credit data collection method and apparatus |
US20080027859A1 (en) | 2002-12-04 | 2008-01-31 | Pay Rent, Build Credit, Inc. | Preferred credit information data collection method |
US7734637B2 (en) | 2002-12-05 | 2010-06-08 | Borland Software Corporation | Method and system for automatic detection of monitoring data sources |
US20040111292A1 (en) | 2002-12-06 | 2004-06-10 | Hutchins Patton A. | Healthcare credit evaluation method |
US7571140B2 (en) | 2002-12-16 | 2009-08-04 | First Data Corporation | Payment management |
US20070072190A1 (en) | 2002-12-16 | 2007-03-29 | Abhinav Aggarwal | System and method for universal identification of biological humans |
US7970712B2 (en) | 2002-12-19 | 2011-06-28 | International Business Machines Corporation | Displaying strengths of social relationships between a user and other people |
US8538840B2 (en) | 2002-12-20 | 2013-09-17 | Siebel Systems, Inc. | Financial services data model |
US20040122693A1 (en) | 2002-12-23 | 2004-06-24 | Michael Hatscher | Community builder |
US7634737B2 (en) | 2002-12-23 | 2009-12-15 | Sap Ag | Defining a resource template for locating relevant resources |
US20040199789A1 (en) | 2002-12-30 | 2004-10-07 | Shaw Terry D. | Anonymizer data collection device |
US20050102226A1 (en) | 2002-12-30 | 2005-05-12 | Dror Oppenheimer | System and method of accounting for mortgage related transactions |
US20040128230A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for modifying attribute data pertaining to financial assets in a data processing system |
US20040128150A1 (en) | 2002-12-31 | 2004-07-01 | Lundegren Mark Edward | Methods and structure for collaborative customer account management |
US20040210661A1 (en) | 2003-01-14 | 2004-10-21 | Thompson Mark Gregory | Systems and methods of profiling, matching and optimizing performance of large networks of individuals |
WO2004066102A2 (en) | 2003-01-17 | 2004-08-05 | Barra, Inc. | Method and apparatus for an incomplete information model of credit risk |
US20040143596A1 (en) | 2003-01-17 | 2004-07-22 | Mark Sirkin | Content distributon method and apparatus |
US20040143478A1 (en) | 2003-01-18 | 2004-07-22 | Ward Andrew David | Method and process for capuring, storing, processing and displaying customer satisfaction information |
US20040141005A1 (en) | 2003-01-22 | 2004-07-22 | International Business Machines Corporation | System and method for integrating online meeting materials in a place |
US7386786B2 (en) | 2003-01-24 | 2008-06-10 | The Cobalt Group, Inc. | Method and apparatus for processing a dynamic webpage |
US7584165B2 (en) | 2003-01-30 | 2009-09-01 | Landmark Graphics Corporation | Support apparatus, method and system for real time operations and maintenance |
FI117181B (en) | 2003-01-31 | 2006-07-14 | Qitec Technology Group Oy | A method and system for identifying a user's identity |
FR2850814A1 (en) | 2003-02-03 | 2004-08-06 | France Telecom | SYSTEM AND METHOD FOR SYNCHRONIZING DATA BETWEEN SERVICE PORTALS AND SERVICE ACCESS PLATFORM USING SUCH A SYNCHRONIZATION SYSTEM |
US7912842B1 (en) | 2003-02-04 | 2011-03-22 | Lexisnexis Risk Data Management Inc. | Method and system for processing and linking data records |
US7403942B1 (en) | 2003-02-04 | 2008-07-22 | Seisint, Inc. | Method and system for processing data records |
US7657540B1 (en) | 2003-02-04 | 2010-02-02 | Seisint, Inc. | Method and system for linking and delinking data records |
US7720846B1 (en) | 2003-02-04 | 2010-05-18 | Lexisnexis Risk Data Management, Inc. | System and method of using ghost identifiers in a database |
US20040158723A1 (en) | 2003-02-06 | 2004-08-12 | Root David C. | Methods for providing high-integrity enrollments into biometric authentication databases |
US20040158521A1 (en) | 2003-02-06 | 2004-08-12 | First Data Corporation | Credit enhancement systems and methods |
US7200602B2 (en) | 2003-02-07 | 2007-04-03 | International Business Machines Corporation | Data set comparison and net change processing |
CA2515957C (en) | 2003-02-13 | 2016-07-12 | Truelink, Inc. | Methods, apparatuses and systems facilitating seamless, virtual integration of online membership models and services |
CA2841289A1 (en) | 2003-02-25 | 2004-09-10 | Thomas Erskine | Method and system for providing supervisory control over wireless phone usage |
US6962336B2 (en) | 2003-02-25 | 2005-11-08 | Mechel Glass | Credit card debt management board game |
JP2004258940A (en) | 2003-02-26 | 2004-09-16 | Hitachi Ltd | Method for supervising network of information system and method for weighing operational risk |
US7810036B2 (en) | 2003-02-28 | 2010-10-05 | Bea Systems, Inc. | Systems and methods for personalizing a portal |
US7505931B2 (en) | 2003-03-03 | 2009-03-17 | Standard Chartered (Ct) Plc | Method and system for monitoring transactions |
US7623844B2 (en) | 2003-03-04 | 2009-11-24 | Gamelogic, Inc. | User authentication system and method |
US7024548B1 (en) | 2003-03-10 | 2006-04-04 | Cisco Technology, Inc. | Methods and apparatus for auditing and tracking changes to an existing configuration of a computerized device |
US7577934B2 (en) | 2003-03-12 | 2009-08-18 | Microsoft Corporation | Framework for modeling and providing runtime behavior for business software applications |
EP1618541A4 (en) | 2003-03-13 | 2008-04-02 | Cons Billing Solutions Inc | Electronic bill presentation and payment system |
US20040220865A1 (en) | 2003-03-17 | 2004-11-04 | Stephen Lozowski | Financial record processing system |
US7451113B1 (en) | 2003-03-21 | 2008-11-11 | Mighty Net, Inc. | Card management system and method |
US20040193535A1 (en) | 2003-03-26 | 2004-09-30 | Reza Barazesh | Global failure risk score |
US20040193538A1 (en) | 2003-03-31 | 2004-09-30 | Raines Walter L. | Receipt processing system and method |
US20040193891A1 (en) | 2003-03-31 | 2004-09-30 | Juha Ollila | Integrity check value for WLAN pseudonym |
US7246740B2 (en) | 2003-04-03 | 2007-07-24 | First Data Corporation | Suspicious persons database |
EP1471450A1 (en) | 2003-04-23 | 2004-10-27 | Sap Ag | A computer system for providing credit information data |
US7058615B2 (en) | 2003-04-24 | 2006-06-06 | International Business Machines Corporation | Scheduling for data warehouse ETL processing and data mining execution |
US7343567B2 (en) | 2003-04-25 | 2008-03-11 | Microsoft Corporation | System and method for providing dynamic user information in an interactive display |
JP2004326478A (en) | 2003-04-25 | 2004-11-18 | Hitachi Ltd | Storage device system and management program |
US20050080697A1 (en) | 2003-10-14 | 2005-04-14 | Foss Sheldon H. | System, method and apparatus for providing financial services |
US8082210B2 (en) | 2003-04-29 | 2011-12-20 | The Western Union Company | Authentication for online money transfers |
US20040225545A1 (en) | 2003-05-08 | 2004-11-11 | Turner James E. | System and method for offering unsecured consumer credit transactions |
US7299221B2 (en) | 2003-05-08 | 2007-11-20 | Oracle International Corporation | Progressive relaxation of search criteria |
US7686214B1 (en) | 2003-05-12 | 2010-03-30 | Id Analytics, Inc. | System and method for identity-based fraud detection using a plurality of historical identity records |
US7458508B1 (en) | 2003-05-12 | 2008-12-02 | Id Analytics, Inc. | System and method for identity-based fraud detection |
US7562814B1 (en) | 2003-05-12 | 2009-07-21 | Id Analytics, Inc. | System and method for identity-based fraud detection through graph anomaly detection |
US7971237B2 (en) | 2003-05-15 | 2011-06-28 | Verizon Business Global Llc | Method and system for providing fraud detection for remote access services |
US20050021551A1 (en) | 2003-05-29 | 2005-01-27 | Locateplus Corporation | Current mailing address identification and verification |
US20040243588A1 (en) | 2003-05-29 | 2004-12-02 | Thomas Tanner | Systems and methods for administering a global information database |
US7647344B2 (en) | 2003-05-29 | 2010-01-12 | Experian Marketing Solutions, Inc. | System, method and software for providing persistent entity identification and linking entity information in an integrated data repository |
US8930263B1 (en) | 2003-05-30 | 2015-01-06 | Consumerinfo.Com, Inc. | Credit data analysis |
US20040243508A1 (en) | 2003-05-30 | 2004-12-02 | Samson James A. | Systems and methods for automating credit counseling and debt management programs |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US20040243450A1 (en) | 2003-06-02 | 2004-12-02 | Bernard Thomas James | Method, system, and computer program product for real property metric monitoring |
US7212995B2 (en) | 2003-06-02 | 2007-05-01 | Transunion L.L.C. | Loan underwriting system and method |
US7617028B2 (en) | 2003-06-03 | 2009-11-10 | The Cobalt Group, Inc. | Method and system of managing service reminders and promotions using mileage estimates |
US7530097B2 (en) | 2003-06-05 | 2009-05-05 | International Business Machines Corporation | Methods, systems, and computer program products that centrally manage password policies |
US7437763B2 (en) | 2003-06-05 | 2008-10-14 | Microsoft Corporation | In-context security advisor in a computing environment |
US7870066B2 (en) | 2003-06-06 | 2011-01-11 | Ebay Inc. | Automatic dispute resolution |
US20070050777A1 (en) | 2003-06-09 | 2007-03-01 | Hutchinson Thomas W | Duration of alerts and scanning of large data stores |
CA2533007A1 (en) | 2003-06-10 | 2005-01-06 | Citibank, N.A. | System and method for analyzing marketing efforts |
US7548886B2 (en) | 2003-06-12 | 2009-06-16 | International Business Machines Corporation | System and method for early detection and prevention of identity theft |
US20040254935A1 (en) | 2003-06-12 | 2004-12-16 | International Business Machines Corporation | Method and apparatus for automatic consolidation of personalized dynamic data |
WO2004114160A2 (en) | 2003-06-13 | 2004-12-29 | Equifax, Inc. | Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data |
US8700515B2 (en) | 2003-06-13 | 2014-04-15 | Dun & Bradstreet, Inc. | Security-to-entity crosswalk |
US7472275B2 (en) | 2003-06-13 | 2008-12-30 | Michael Arnouse | System and method of electronic signature verification |
US7444518B1 (en) | 2003-06-16 | 2008-10-28 | Microsoft Corporation | Method and apparatus for communicating authorization data |
US8296229B1 (en) | 2003-06-17 | 2012-10-23 | Citicorp Credit Services, Inc. | Method and system for associating consumers with purchase transactions |
US20050027633A1 (en) | 2003-06-25 | 2005-02-03 | Joey Fortuna | Application and processes for the review and adjustment of the full lifecycle of consumer finances |
WO2005003907A2 (en) | 2003-06-26 | 2005-01-13 | Ebay Inc. | Method and apparatus to authenticate and authorize user access to a system |
US20040267714A1 (en) | 2003-06-27 | 2004-12-30 | Yuri Frid | Method and system for computerized creating, maintaining, updating, and querying inventory database over the internet for the locations and the obiects with time-dependent and time-independent attributes |
US20050015273A1 (en) | 2003-07-15 | 2005-01-20 | Supriya Iyer | Warranty management and analysis system |
US20050027666A1 (en) | 2003-07-15 | 2005-02-03 | Vente, Inc | Interactive online research system and method |
US7089594B2 (en) | 2003-07-21 | 2006-08-08 | July Systems, Inc. | Application rights management in a mobile environment |
US20050080821A1 (en) | 2003-07-21 | 2005-04-14 | Breil Peter D. | System and method for managing collections accounts |
US20050086176A1 (en) | 2003-07-31 | 2005-04-21 | John Dahlgren | Method and apparatus for loan management using an electronic portal |
US20050027632A1 (en) | 2003-07-31 | 2005-02-03 | Ubs Financial Services, Inc. | Financial investment advice system and method |
US20050027983A1 (en) | 2003-08-01 | 2005-02-03 | Klawon Kevin T. | Integrated verification system |
US20090132347A1 (en) | 2003-08-12 | 2009-05-21 | Russell Wayne Anderson | Systems And Methods For Aggregating And Utilizing Retail Transaction Records At The Customer Level |
US7302420B2 (en) | 2003-08-14 | 2007-11-27 | International Business Machines Corporation | Methods and apparatus for privacy preserving data mining using statistical condensing approach |
US7584126B1 (en) | 2003-08-18 | 2009-09-01 | Capital One Financial Corporation | System and method for managing dedicated use of a credit account |
US7624068B1 (en) | 2003-08-18 | 2009-11-24 | Jpmorgan Chase Bank, N.A. | Method and system for dynamically adjusting discount rates for a card transaction |
US7970698B2 (en) | 2003-08-27 | 2011-06-28 | Equifax, Inc. | Application processing and decision systems and processes |
US20050144143A1 (en) | 2003-09-03 | 2005-06-30 | Steven Freiberg | Method and system for identity theft prevention, detection and victim assistance |
US20050055296A1 (en) | 2003-09-08 | 2005-03-10 | Michael Hattersley | Method and system for underwriting and servicing financial accounts |
US20050055231A1 (en) | 2003-09-08 | 2005-03-10 | Lee Geoffrey C. | Candidate-initiated background check and verification |
US7756789B2 (en) | 2003-09-11 | 2010-07-13 | Capital One Financial Corporation | Method and system for debt recovery |
AU2004272083B2 (en) | 2003-09-12 | 2009-11-26 | Emc Corporation | System and method for risk based authentication |
US20050125341A1 (en) | 2003-09-16 | 2005-06-09 | John Miri | Method, system and program for credit risk management utilizing credit exposure |
US7835983B2 (en) | 2003-09-18 | 2010-11-16 | Trans Union Llc | Credit approval monitoring system and method |
US8938399B1 (en) | 2003-09-23 | 2015-01-20 | Edward S. Herman | Method and system for automatically repairing a fraudulent identity theft incident |
RU2349950C2 (en) | 2003-09-26 | 2009-03-20 | Дисней Энтерпрайзес Инк. | Method of parental control of cellular telephone use |
US20050108631A1 (en) | 2003-09-29 | 2005-05-19 | Amorin Antonio C. | Method of conducting data quality analysis |
US20050071328A1 (en) | 2003-09-30 | 2005-03-31 | Lawrence Stephen R. | Personalization of web search |
GB0323780D0 (en) | 2003-10-10 | 2003-11-12 | Ibm | A data brokering method and system |
US7387238B2 (en) | 2003-10-14 | 2008-06-17 | Foss Jr Sheldon H | Customer enrollment in a stored value card program |
US20060085334A1 (en) | 2004-10-14 | 2006-04-20 | Murphy Kevin M | Dynamic financial liability management |
US7314162B2 (en) | 2003-10-17 | 2008-01-01 | Digimore Corporation | Method and system for reporting identity document usage |
US8388440B2 (en) | 2003-10-20 | 2013-03-05 | Sony Computer Entertainment America Llc | Network account linking |
US20050086261A1 (en) | 2003-10-20 | 2005-04-21 | Richard Mammone | Child locator apparatus and method |
US7444306B2 (en) | 2003-10-24 | 2008-10-28 | Thomas Bryan Varble | Method and apparatus for the rental or sale, and secure distribution of digital content |
JP4059321B2 (en) | 2003-10-30 | 2008-03-12 | インターナショナル・ビジネス・マシーンズ・コーポレーション | Personal information management system, information processing system, personal information management method, program, and recording medium |
US20050097039A1 (en) | 2003-11-05 | 2005-05-05 | Laszlo Kulcsar | Multiple credit card management system |
US7653688B2 (en) | 2003-11-05 | 2010-01-26 | Sap Ag | Role-based portal to a workplace system |
US7594019B2 (en) | 2003-11-12 | 2009-09-22 | Intel Corporation | System and method for adult approval URL pre-screening |
WO2005048003A2 (en) | 2003-11-14 | 2005-05-26 | Canada Post Corporation | System and method for coordination of delivery of marketing material |
US7596512B1 (en) | 2003-11-26 | 2009-09-29 | Carfax, Inc. | System and method for determining vehicle price adjustment values |
US7925579B1 (en) | 2003-12-01 | 2011-04-12 | Fannie Mae | System and method for processing a loan |
JP2007522537A (en) | 2003-12-04 | 2007-08-09 | パーフェクト マーケット テクノロジーズ,インコーポレイティド | Transparent search engine |
US8321946B2 (en) | 2003-12-05 | 2012-11-27 | Hewlett-Packard Development Company, L.P. | Method and system for preventing identity theft in electronic communications |
US20050125350A1 (en) | 2003-12-09 | 2005-06-09 | Tidwell Lisa C. | Systems and methods for assessing the risk of financial transaction using geographic-related information |
US20050130704A1 (en) | 2003-12-15 | 2005-06-16 | Dun & Bradstreet, Inc. | Credit limit recommendation |
US7543739B2 (en) | 2003-12-17 | 2009-06-09 | Qsecure, Inc. | Automated payment card fraud detection and location |
US7788040B2 (en) | 2003-12-19 | 2010-08-31 | Siemens Medical Solutions Usa, Inc. | System for managing healthcare data including genomic and other patient specific information |
US8036907B2 (en) | 2003-12-23 | 2011-10-11 | The Dun & Bradstreet Corporation | Method and system for linking business entities using unique identifiers |
US7613600B2 (en) | 2003-12-24 | 2009-11-03 | Sap Ag | Unified personalization |
US20060184410A1 (en) | 2003-12-30 | 2006-08-17 | Shankar Ramamurthy | System and method for capture of user actions and use of capture data in business processes |
US20050251474A1 (en) | 2003-12-31 | 2005-11-10 | Michael Shinn | Method of financing home ownership for sub prime prospective home buyers |
JP4069078B2 (en) | 2004-01-07 | 2008-03-26 | 松下電器産業株式会社 | DRAM control device and DRAM control method |
US20050154769A1 (en) | 2004-01-13 | 2005-07-14 | Llumen, Inc. | Systems and methods for benchmarking business performance data against aggregated business performance data |
JP2005208945A (en) | 2004-01-22 | 2005-08-04 | Ricoh Co Ltd | Personnel search system, server and method, program, and recording medium |
US7707122B2 (en) | 2004-01-29 | 2010-04-27 | Yahoo ! Inc. | System and method of information filtering using measures of affinity of a relationship |
US20080281737A1 (en) | 2004-02-05 | 2008-11-13 | Veritas Mobile Solutions Pte. Ltd. | System and Method for Authenticating the Identity of a User |
WO2005079417A2 (en) | 2004-02-17 | 2005-09-01 | Bodybio Inc. | Integrating individualized clinical test results and nutritional treatment |
US7647274B2 (en) | 2004-02-20 | 2010-01-12 | Horizon Digital Finance, Llc | System and method for matching loan consumers and lenders |
US7630933B2 (en) | 2004-02-20 | 2009-12-08 | Horizon Digital Finance, Llc | System and method for matching loan consumers and lenders |
US20060184585A1 (en) | 2004-02-24 | 2006-08-17 | First Data Corporation | Communication point delivery instructions |
GB2426610A (en) | 2004-02-25 | 2006-11-29 | Applied Aged Care Solutions Pt | Essential data communication system |
US20070073577A1 (en) | 2004-02-27 | 2007-03-29 | Terradatum, Inc. | System and Method of Real Estate Market Growth Analysis and Display |
US7708190B2 (en) | 2004-03-10 | 2010-05-04 | At&T Intellectual Property I, L.P. | Multiple options to decline authorization of payment card charges |
WO2005091145A1 (en) | 2004-03-18 | 2005-09-29 | Sean Hokland | Authenticated and distributed transaction processing |
US9324239B2 (en) | 2004-03-19 | 2016-04-26 | Sap Se | Authoring tool to structure and create a computer-based training course, and having role-specific functions |
US7937319B2 (en) | 2005-03-21 | 2011-05-03 | Oversight Technologies, Inc. | Methods and systems for compliance monitoring knowledge base |
US20050216524A1 (en) | 2004-03-23 | 2005-09-29 | Integrated Data Corporation | Smart and selective synchronization between databases in a document management system |
US7523499B2 (en) | 2004-03-25 | 2009-04-21 | Microsoft Corporation | Security attack detection and defense |
US7716223B2 (en) | 2004-03-29 | 2010-05-11 | Google Inc. | Variable personalization of search results in a search engine |
US8201257B1 (en) | 2004-03-31 | 2012-06-12 | Mcafee, Inc. | System and method of managing network security risks |
KR100701383B1 (en) | 2004-04-07 | 2007-03-28 | 엘지전자 주식회사 | Method for synchronizing network profiles stored in a plurality of managing devices in a home network and a network system for the synchronizing method |
US7433864B2 (en) | 2004-04-08 | 2008-10-07 | At&T Intellectual Property I, L.P. | Compiling information obtained by combinatorial searching |
US7046139B2 (en) | 2004-04-26 | 2006-05-16 | Matsushita Electric Industrial Co., Ltd. | Method and parental control and monitoring of usage of devices connected to home network |
US20050240578A1 (en) | 2004-04-27 | 2005-10-27 | Caseknowledge, L.L.C. | Litigation management system and method of providing the same |
US20070067297A1 (en) | 2004-04-30 | 2007-03-22 | Kublickis Peter J | System and methods for a micropayment-enabled marketplace with permission-based, self-service, precision-targeted delivery of advertising, entertainment and informational content and relationship marketing to anonymous internet users |
CA2567391A1 (en) | 2004-05-18 | 2005-12-15 | Vincent W. Talbert | Method, system and apparatus for providing a variable credit account to a consumer |
US7644035B1 (en) | 2004-05-19 | 2010-01-05 | American Express Travel Related Services Company, Inc. | Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of multi-digit authorization codes |
US7209895B2 (en) | 2004-05-19 | 2007-04-24 | Yahoo! Inc. | Methods for use in providing user ratings according to prior transactions |
US7296734B2 (en) | 2004-06-02 | 2007-11-20 | Robert Kenneth Pliha | Systems and methods for scoring bank customers direct deposit account transaction activity to match financial behavior to specific acquisition, performance and risk events defined by the bank using a decision tree and stochastic process |
US7954698B1 (en) | 2004-06-02 | 2011-06-07 | Pliha Robert K | System and method for matching customers to financial products, services, and incentives based on bank account transaction activity |
US7779457B2 (en) | 2004-06-09 | 2010-08-17 | Identifid, Inc | Identity verification system |
US7272728B2 (en) | 2004-06-14 | 2007-09-18 | Iovation, Inc. | Network security and fraud detection system and method |
CA2570379A1 (en) * | 2004-06-14 | 2005-12-29 | Dun & Bradstreet, Inc. | System and method for self-monitoring credit information |
US7314166B2 (en) | 2004-06-16 | 2008-01-01 | American Express Travel Related Services Company, Inc. | System and method for calculating recommended charge limits |
WO2005124619A1 (en) | 2004-06-18 | 2005-12-29 | George Walter Owen | Credit management system |
US8224697B2 (en) | 2004-06-25 | 2012-07-17 | Sap Aktiengesellschaft | Managing customer entitlements to rewards from multiple entitlement programs |
US7412228B2 (en) | 2004-07-01 | 2008-08-12 | Lucent Technologies Inc. | Method for notifying a primary wireless unit of group calling plan activity |
US20060004623A1 (en) | 2004-07-02 | 2006-01-05 | Jasti Raja V | System and method for online professional services networks |
US7490356B2 (en) | 2004-07-20 | 2009-02-10 | Reflectent Software, Inc. | End user risk management |
US20060036748A1 (en) | 2004-07-28 | 2006-02-16 | Nusbaum Edward S | Apparatus and method for computerized information management |
US7596716B2 (en) | 2004-07-29 | 2009-09-29 | Sobha Renaissance Information Technology | Method and system for managing networks |
WO2006017496A2 (en) | 2004-08-03 | 2006-02-16 | Ebay Inc. | Method and system to design a dispute resolution process |
US20080172324A1 (en) | 2004-08-03 | 2008-07-17 | Tom Johnson | System and method for modifying criteria used with decision engines |
US6955294B1 (en) | 2004-08-06 | 2005-10-18 | Mark Seegar | Apparatus and method for preventing credit card fraud |
US20060031158A1 (en) | 2004-08-09 | 2006-02-09 | Suze Orman | Credit card with incentives tied to credit score |
US7467401B2 (en) | 2004-08-12 | 2008-12-16 | Avatier Corporation | User authentication without prior user enrollment |
GB2417345A (en) | 2004-08-13 | 2006-02-22 | Ebs Group Ltd | Automated trading system |
US20060041464A1 (en) | 2004-08-19 | 2006-02-23 | Transunion Llc. | System and method for developing an analytic fraud model |
US7774270B1 (en) | 2004-08-19 | 2010-08-10 | Maccloskey Randy | Credit report lock system |
US7987124B1 (en) | 2004-08-20 | 2011-07-26 | Fannie Mae | Method of and system for evaluating an appraisal value associated with a loan |
US20060080263A1 (en) | 2004-10-13 | 2006-04-13 | Willis John A | Identity theft protection and notification system |
WO2006039003A2 (en) | 2004-08-20 | 2006-04-13 | Viisage Technology, Inc. | Method and system to authenticate an object |
US20070093234A1 (en) | 2004-08-20 | 2007-04-26 | Willis John A | Identify theft protection and notification system |
EP1779216A1 (en) | 2004-08-20 | 2007-05-02 | Rhoderick John Kennedy Pugh | Server authentication |
EP1628184A1 (en) | 2004-08-20 | 2006-02-22 | Basf Aktiengesellschaft | Method and computer system to carry out a network based business process |
US7904306B2 (en) | 2004-09-01 | 2011-03-08 | Search America, Inc. | Method and apparatus for assessing credit for healthcare patients |
US8646051B2 (en) | 2004-09-10 | 2014-02-04 | At&T Intellectual Property I, L.P. | Automated password reset via an interactive voice response system |
AU2005285125A1 (en) | 2004-09-13 | 2006-03-23 | Ixept, Inc. | Purchase notication alert forwarding system and method for preventing fraud |
US20060059073A1 (en) | 2004-09-15 | 2006-03-16 | Walzak Rebecca B | System and method for analyzing financial risk |
US7543740B2 (en) | 2004-09-17 | 2009-06-09 | Digital Envoy, Inc. | Fraud analyst smart cookie |
WO2006036814A2 (en) | 2004-09-22 | 2006-04-06 | Citibank, N.A. | Systems and methods for offering credit line products |
US8732004B1 (en) | 2004-09-22 | 2014-05-20 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
CN100337505C (en) | 2004-09-28 | 2007-09-12 | 华为技术有限公司 | Mobile terminal for realizing tutelage function and its tutelage method |
US7685209B1 (en) | 2004-09-28 | 2010-03-23 | Yahoo! Inc. | Apparatus and method for normalizing user-selected keywords in a folksonomy |
US8095408B2 (en) | 2004-10-11 | 2012-01-10 | Sharethis, Inc. | System and method for facilitating network connectivity based on user characteristics |
US20060085361A1 (en) | 2004-10-14 | 2006-04-20 | The Trizetto Group, Inc. | Anomaly detector in a health care system using adapter |
US7814005B2 (en) | 2004-10-19 | 2010-10-12 | Apollo Enterprise Solutions, Inc. | Dynamic credit score alteration |
US7818229B2 (en) | 2004-10-19 | 2010-10-19 | Apollo Enterprise Solutions, Inc. | Method for future payment transactions |
NZ555166A (en) | 2004-10-19 | 2010-05-28 | Apollo Entpr Solutions Llc | System and method for resolving transactions |
US7848978B2 (en) | 2004-10-19 | 2010-12-07 | Apollo Enterprise Solutions, Inc. | Enhanced transaction resolution techniques |
US20060179050A1 (en) | 2004-10-22 | 2006-08-10 | Giang Phan H | Probabilistic model for record linkage |
EP1825406A4 (en) | 2004-10-28 | 2010-01-20 | Yahoo Inc | Search system and methods with integration of user judgments including trust networks |
US20070226114A1 (en) | 2004-10-29 | 2007-09-27 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to manage investments |
US7788147B2 (en) | 2004-10-29 | 2010-08-31 | American Express Travel Related Services Company, Inc. | Method and apparatus for estimating the spend capacity of consumers |
US20070016500A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc. A New York Corporation | Using commercial share of wallet to determine insurance risk |
US7814004B2 (en) | 2004-10-29 | 2010-10-12 | American Express Travel Related Services Company, Inc. | Method and apparatus for development and use of a credit score based on spend capacity |
US7912770B2 (en) | 2004-10-29 | 2011-03-22 | American Express Travel Related Services Company, Inc. | Method and apparatus for consumer interaction based on spend capacity |
US20070244732A1 (en) | 2004-10-29 | 2007-10-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to manage vendors |
US8131614B2 (en) | 2004-10-29 | 2012-03-06 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to compile marketing company lists |
US7840484B2 (en) | 2004-10-29 | 2010-11-23 | American Express Travel Related Services Company, Inc. | Credit score and scorecard development |
US7822665B2 (en) | 2004-10-29 | 2010-10-26 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet in private equity investments |
US8204774B2 (en) | 2004-10-29 | 2012-06-19 | American Express Travel Related Services Company, Inc. | Estimating the spend capacity of consumer households |
US7792732B2 (en) | 2004-10-29 | 2010-09-07 | American Express Travel Related Services Company, Inc. | Using commercial share of wallet to rate investments |
US20070016501A1 (en) | 2004-10-29 | 2007-01-18 | American Express Travel Related Services Co., Inc., A New York Corporation | Using commercial share of wallet to rate business prospects |
US20060095289A1 (en) | 2004-11-01 | 2006-05-04 | Bunning Michel L | Warranty tracking systems and methods |
US8078881B1 (en) | 2004-11-12 | 2011-12-13 | Liu Gary G | Password resetting method |
US20060202012A1 (en) | 2004-11-12 | 2006-09-14 | David Grano | Secure data processing system, such as a system for detecting fraud and expediting note processing |
US20060106670A1 (en) | 2004-11-15 | 2006-05-18 | Simin Cai | System and method for interactively and progressively determining customer satisfaction within a networked community |
US20070136109A1 (en) | 2004-11-19 | 2007-06-14 | Allstate Insurance Company | Systems and Methods for Customizing Homeowner's Insurance |
KR100608833B1 (en) | 2004-11-22 | 2006-08-08 | 엘지전자 주식회사 | Remote control apparatus and method for controlling remotely debugging tool through internet |
US7797725B2 (en) | 2004-12-02 | 2010-09-14 | Palo Alto Research Center Incorporated | Systems and methods for protecting privacy |
US8224753B2 (en) | 2004-12-07 | 2012-07-17 | Farsheed Atef | System and method for identity verification and management |
CA2591298C (en) * | 2004-12-10 | 2017-08-22 | Thomson Tradeweb Llc | Method and system for tracking derivatives positions and monitoring credit limits |
US11477093B2 (en) | 2004-12-14 | 2022-10-18 | Kyndryl, Inc. | Coupling of a business component model to an information technology model |
US7480631B1 (en) | 2004-12-15 | 2009-01-20 | Jpmorgan Chase Bank, N.A. | System and method for detecting and processing fraud and credit abuse |
US20060129533A1 (en) | 2004-12-15 | 2006-06-15 | Xerox Corporation | Personalized web search method |
US20060131390A1 (en) | 2004-12-16 | 2006-06-22 | Kim Mike I | Method and system for providing transaction notification and mobile reply authorization |
US7818228B1 (en) | 2004-12-16 | 2010-10-19 | Coulter David B | System and method for managing consumer information |
US20060178971A1 (en) * | 2004-12-20 | 2006-08-10 | Owen John S | Personal credit management and monitoring system and method |
JP4208081B2 (en) | 2004-12-27 | 2009-01-14 | インターナショナル・ビジネス・マシーンズ・コーポレーション | System, web server, method and program for adding personalized value to multiple websites |
US7581112B2 (en) | 2004-12-30 | 2009-08-25 | Ebay, Inc. | Identifying fraudulent activities and the perpetrators thereof |
US20060149674A1 (en) | 2004-12-30 | 2006-07-06 | Mike Cook | System and method for identity-based fraud detection for transactions using a plurality of historical identity records |
US20060153346A1 (en) | 2005-01-11 | 2006-07-13 | Metro Enterprises, Inc. | On-line authentication registration system |
US20060293987A1 (en) | 2005-01-12 | 2006-12-28 | Methods and systems for originating and scoring a financial instrument | |
US20060173792A1 (en) | 2005-01-13 | 2006-08-03 | Glass Paul H | System and method for verifying the age and identity of individuals and limiting their access to appropriate material |
US20060173776A1 (en) | 2005-01-28 | 2006-08-03 | Barry Shalley | A Method of Authentication |
US7836111B1 (en) | 2005-01-31 | 2010-11-16 | Hewlett-Packard Development Company, L.P. | Detecting change in data |
US20060173772A1 (en) | 2005-02-02 | 2006-08-03 | Hayes John B | Systems and methods for automated processing, handling, and facilitating a trade credit transaction |
US20070262140A1 (en) | 2005-02-03 | 2007-11-15 | Long Kenneth W Sr | Apparatus, System, and Method for Delivering Products or Services |
US20060178983A1 (en) | 2005-02-07 | 2006-08-10 | Robert Nice | Mortgage broker system allowing broker to match mortgagor with multiple lenders and method therefor |
US20060195351A1 (en) | 2005-02-07 | 2006-08-31 | Bagrat Bayburtian | Internet-based system and method for leasing rental property to a prospective tenant based on criminal history |
US7979908B2 (en) | 2005-02-11 | 2011-07-12 | SecureTest Inc. | Method and system of verifying and authenticating background and consumer records |
US20060190998A1 (en) | 2005-02-17 | 2006-08-24 | At&T Corp | Determining firewall rules for reverse firewalls |
US8005795B2 (en) | 2005-03-04 | 2011-08-23 | Emc Corporation | Techniques for recording file operations and consistency points for producing a consistent copy |
US7314167B1 (en) | 2005-03-08 | 2008-01-01 | Pisafe, Inc. | Method and apparatus for providing secure identification, verification and authorization |
WO2006099492A2 (en) | 2005-03-15 | 2006-09-21 | Bridgeforce, Inc. | Credit scoring method and system |
US20060212407A1 (en) | 2005-03-17 | 2006-09-21 | Lyon Dennis B | User authentication and secure transaction system |
US8418226B2 (en) | 2005-03-18 | 2013-04-09 | Absolute Software Corporation | Persistent servicing agent |
US7552089B2 (en) | 2005-03-23 | 2009-06-23 | Microsoft Corporation | Method and apparatus for automatically applying/linking transactions in a financial management system |
US20060233332A1 (en) | 2005-03-24 | 2006-10-19 | Toms Alvin D | Credit worthiness rating method |
US20060218407A1 (en) | 2005-03-24 | 2006-09-28 | Toms Alvin D | Method of confirming the identity of a person |
US20070027778A1 (en) | 2005-03-29 | 2007-02-01 | Scott Schellhammer | Single electronic application for originating and controlling workflow for multiple requested products |
US20060229799A1 (en) | 2005-03-31 | 2006-10-12 | Utilimarc, Inc. | Fleet data reporting and benchmarking system and method |
US20060223043A1 (en) | 2005-04-01 | 2006-10-05 | Dancy-Edwards Glynda P | Method of providing and administering a web-based personal financial management course |
US8175889B1 (en) | 2005-04-06 | 2012-05-08 | Experian Information Solutions, Inc. | Systems and methods for tracking changes of address based on service disconnect/connect data |
US20060229961A1 (en) | 2005-04-08 | 2006-10-12 | Efunds Corporation | Risk evaluation method and system using ACH data |
WO2006110650A1 (en) | 2005-04-08 | 2006-10-19 | U.S. Biometrics Corporation | System and method for identifying and managing customers in a financial institution |
US8756099B2 (en) | 2005-04-11 | 2014-06-17 | Bill Me Later, Inc. | Consumer processing system and method |
US7908242B1 (en) | 2005-04-11 | 2011-03-15 | Experian Information Solutions, Inc. | Systems and methods for optimizing database queries |
WO2006109982A1 (en) | 2005-04-11 | 2006-10-19 | Electronics And Telecommunications Research Intitute | License data structure and license issuing method |
US8103445B2 (en) | 2005-04-21 | 2012-01-24 | Microsoft Corporation | Dynamic map rendering as a function of a user parameter |
WO2006116071A1 (en) | 2005-04-22 | 2006-11-02 | Draeger Medical Systems, Inc. | A system for managing patient medical data derived from a plurality of medical devices |
US20060239512A1 (en) | 2005-04-22 | 2006-10-26 | Imme, Llc | Anti-identity theft system and method |
US7503489B2 (en) | 2005-04-26 | 2009-03-17 | Bpriv, Llc | Method and system for monitoring electronic purchases and cash-withdrawals |
US20070078908A1 (en) | 2005-05-17 | 2007-04-05 | Santu Rohatgi | Method and system for child safety |
US7281652B2 (en) | 2005-05-18 | 2007-10-16 | Foss Jonathan G | Point-of-sale provider evaluation |
US8019843B2 (en) | 2005-05-24 | 2011-09-13 | CRIF Corporation | System and method for defining attributes, decision rules, or both, for remote execution, claim set II |
US8019828B2 (en) | 2005-05-24 | 2011-09-13 | CRIF Corporation | System and method for defining attributes, decision rules, or both, for remote execution, claim set III |
US8024778B2 (en) | 2005-05-24 | 2011-09-20 | CRIF Corporation | System and method for defining attributes, decision rules, or both, for remote execution, claim set I |
US7860782B2 (en) | 2005-05-24 | 2010-12-28 | Magnum Communications, Limited | System and method for defining attributes, decision rules, or both, for remote execution, claim set IV |
US20060271633A1 (en) | 2005-05-25 | 2006-11-30 | Adler Robert M | Geographically specific broadcasting system providing advisory alerts of sexual predators |
US20060271457A1 (en) | 2005-05-26 | 2006-11-30 | Romain Martin R | Identity theft monitoring and prevention |
US10643217B2 (en) | 2005-05-26 | 2020-05-05 | Efunds Corporation | Debit-based identity theft monitoring and prevention |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
US7849029B2 (en) | 2005-06-02 | 2010-12-07 | Fair Isaac Corporation | Comprehensive identity protection system |
US8635094B2 (en) | 2005-06-03 | 2014-01-21 | International Business Machines Corporation | System and method for dynamically configuring user interface components of a collaborative space based on mapping rules and user roles |
US20060277102A1 (en) | 2005-06-06 | 2006-12-07 | Better, Inc. | System and Method for Generating Effective Advertisements in Electronic Commerce |
US8271364B2 (en) | 2005-06-09 | 2012-09-18 | Bank Of America Corporation | Method and apparatus for obtaining, organizing, and analyzing multi-source data |
US9235560B2 (en) | 2005-06-09 | 2016-01-12 | International Business Machines Corporation | General purpose annotation service for portal-based applications |
US20060282374A1 (en) | 2005-06-09 | 2006-12-14 | Valued Services Intellectual Property Management, Inc. Ii. | Credit underwriting based electronic fund transfer |
US20060282373A1 (en) | 2005-06-09 | 2006-12-14 | Valued Services Intellectual Property Management, | Credit underwriting based on paper instrument |
US20060282886A1 (en) | 2005-06-09 | 2006-12-14 | Lockheed Martin Corporation | Service oriented security device management network |
US7571473B1 (en) | 2005-06-10 | 2009-08-04 | Sprint Communications Company L.P. | Identity management system and method |
US9792351B2 (en) | 2005-06-10 | 2017-10-17 | International Business Machines Corporation | Tolerant and extensible discovery of relationships in data using structural information and data analysis |
US7343149B2 (en) | 2005-06-13 | 2008-03-11 | Lucent Technologies Inc. | Network support for credit card notification |
CN1881877A (en) | 2005-06-16 | 2006-12-20 | 国际商业机器公司 | Method, device and system for preventing illegal subscriber log-on |
US20060287765A1 (en) | 2005-06-20 | 2006-12-21 | Kraft Harold H | Privacy Information Reporting Systems with Broad Search Scope and Integration |
TW200701732A (en) | 2005-06-21 | 2007-01-01 | Ite2 Technology Inc | Method and system for verifying personal identity in internet trades |
US7676418B1 (en) | 2005-06-24 | 2010-03-09 | Experian Information Solutions, Inc. | Credit portfolio benchmarking system and method |
US20060294199A1 (en) | 2005-06-24 | 2006-12-28 | The Zeppo Network, Inc. | Systems and Methods for Providing A Foundational Web Platform |
US7681234B2 (en) | 2005-06-30 | 2010-03-16 | Microsoft Corporation | Preventing phishing attacks |
US20080229415A1 (en) | 2005-07-01 | 2008-09-18 | Harsh Kapoor | Systems and methods for processing data flows |
US8660919B2 (en) | 2005-07-01 | 2014-02-25 | Consumerinfo.Com, Inc. | Method for monitoring and reporting changes in the value of real estate |
WO2007004158A2 (en) | 2005-07-05 | 2007-01-11 | Kreditinform (Pty) Limited | Debtor management system and method |
US20070016518A1 (en) | 2005-07-12 | 2007-01-18 | Paul Atkinson | System and process for providing loans or other financing instruments |
CA2615390A1 (en) | 2005-07-15 | 2007-01-25 | Revolution Money Inc. | System and method for immediate issuance of transaction cards |
US20070022141A1 (en) | 2005-07-19 | 2007-01-25 | Singleton Shawn D | System and method for acquiring and assembling real property data |
EP1920393A2 (en) | 2005-07-22 | 2008-05-14 | Yogesh Chunilal Rathod | Universal knowledge management and desktop search system |
US8234498B2 (en) | 2005-07-25 | 2012-07-31 | Britti Michael A | Screening using a personal identification code |
US20070027816A1 (en) | 2005-07-27 | 2007-02-01 | Writer Shea M | Methods and systems for improved security for financial transactions through a trusted third party entity |
US8295851B2 (en) | 2005-08-03 | 2012-10-23 | Michael Edward Finnegan | Realtime, interactive and geographically defined computerized personal matching systems and methods |
US7747520B2 (en) | 2005-08-05 | 2010-06-29 | First American Corelogic, Inc. | Method and system for monitoring for and reporting of lien distress events |
US7832006B2 (en) | 2005-08-09 | 2010-11-09 | At&T Intellectual Property I, L.P. | System and method for providing network security |
US7962616B2 (en) | 2005-08-11 | 2011-06-14 | Micro Focus (Us), Inc. | Real-time activity monitoring and reporting |
US7389912B2 (en) | 2005-08-16 | 2008-06-24 | International Business Machines Corporation | Method and system for creating banking sub-accounts with varying limits |
US20070043577A1 (en) | 2005-08-16 | 2007-02-22 | Sheldon Kasower | Apparatus and method of enabling a victim of identity theft to resolve and prevent fraud |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
EP1936529A4 (en) | 2005-08-29 | 2010-06-23 | Daikin Ind Ltd | Account false use detecting/suppressing device, data collecting device, and account false use detecting/suppressing program |
US7383988B2 (en) | 2005-08-31 | 2008-06-10 | Metavante Corporation | System and method for locking and unlocking a financial account card |
US20070055621A1 (en) | 2005-09-01 | 2007-03-08 | First Advantage Corporation | Automated method and system for predicting and/or verifying income |
US7333635B2 (en) | 2005-09-02 | 2008-02-19 | Intersections Inc. | Method and system for confirming personal identity |
US8560385B2 (en) | 2005-09-02 | 2013-10-15 | Bees & Pollen Ltd. | Advertising and incentives over a social network |
JP2007079995A (en) | 2005-09-14 | 2007-03-29 | Fujitsu Ltd | Display program, and device and method therefor |
US7577665B2 (en) | 2005-09-14 | 2009-08-18 | Jumptap, Inc. | User characteristic influenced search results |
US7933632B2 (en) | 2005-09-16 | 2011-04-26 | Microsoft Corporation | Tile space user interface for mobile devices |
US20070083463A1 (en) | 2005-09-20 | 2007-04-12 | Kraft Harold H | Fraud alert switch |
US7672833B2 (en) | 2005-09-22 | 2010-03-02 | Fair Isaac Corporation | Method and apparatus for automatic entity disambiguation |
US20070073889A1 (en) | 2005-09-27 | 2007-03-29 | Morris Robert P | Methods, systems, and computer program products for verifying an identity of a service requester using presence information |
US8306986B2 (en) | 2005-09-30 | 2012-11-06 | American Express Travel Related Services Company, Inc. | Method, system, and computer program product for linking customer information |
WO2007041709A1 (en) | 2005-10-04 | 2007-04-12 | Basepoint Analytics Llc | System and method of detecting fraud |
WO2007044500A2 (en) | 2005-10-06 | 2007-04-19 | C-Sam, Inc. | Transactional services |
US8396747B2 (en) | 2005-10-07 | 2013-03-12 | Kemesa Inc. | Identity theft and fraud protection system and method |
WO2007047359A2 (en) | 2005-10-14 | 2007-04-26 | Carrier Web Llc | System and method for real-time management of mobile resources |
US20080222027A1 (en) | 2005-10-24 | 2008-09-11 | Megdal Myles G | Credit score and scorecard development |
US20080222015A1 (en) | 2005-10-24 | 2008-09-11 | Megdal Myles G | Method and apparatus for development and use of a credit score based on spend capacity |
US20080228541A1 (en) | 2005-10-24 | 2008-09-18 | Megdal Myles G | Using commercial share of wallet in private equity investments |
US20080228556A1 (en) | 2005-10-24 | 2008-09-18 | Megdal Myles G | Method and apparatus for consumer interaction based on spend capacity |
US20080221972A1 (en) | 2005-10-24 | 2008-09-11 | Megdal Myles G | Method and apparatus for determining credit characteristics of a consumer |
US8161044B2 (en) | 2005-10-26 | 2012-04-17 | International Business Machines Corporation | Faceted web searches of user preferred categories throughout one or more taxonomies |
WO2007053630A2 (en) | 2005-10-31 | 2007-05-10 | Dun & Bradstreet, Inc. | System and method for providing a fraud risk score |
US8165952B2 (en) | 2005-11-02 | 2012-04-24 | Private Trading Systems, Inc. | Electronic trading system |
CA2527538A1 (en) | 2005-11-12 | 2007-05-14 | Matt Celano | Method and apparatus for a consumer interactive credit report analysis and score reconciliation adaptive education and counseling system |
US20070124235A1 (en) | 2005-11-29 | 2007-05-31 | Anindya Chakraborty | Method and system for income estimation |
US20070266439A1 (en) | 2005-11-30 | 2007-11-15 | Harold Kraft | Privacy management and transaction system |
US20070143123A1 (en) | 2005-12-06 | 2007-06-21 | Arkiva, Inc. | System, method and service for recording household assets |
US7711707B2 (en) | 2005-12-14 | 2010-05-04 | International Business Machines Corporation | Method for synchronizing and updating bookmarks on multiple computer devices |
US20070156554A1 (en) | 2005-12-19 | 2007-07-05 | Nikoley Richard L | Method and Apparatus for Computer Assisted Settling of Debts |
US7512627B2 (en) | 2005-12-30 | 2009-03-31 | Ecollege.Com | Business intelligence data repository and data management system and method |
DE112006003589B4 (en) | 2005-12-31 | 2019-07-18 | General Motors Llc ( N. D. Ges. D. Staates Delaware ) | A method of providing vehicle information through a vehicle e-mail notification using data from various sources |
US20070160458A1 (en) | 2006-01-06 | 2007-07-12 | Jun-Chien Yen | Centrifugal fan with low noise |
US8177121B2 (en) | 2006-01-13 | 2012-05-15 | Intuit Inc. | Automated aggregation and comparison of business spending relative to similar businesses |
US20070174903A1 (en) | 2006-01-26 | 2007-07-26 | Neogent, Inc. | Method and system for managing user identities on a network |
US8099341B2 (en) | 2006-01-31 | 2012-01-17 | OREM Financial Services Inc. | System and method for recreating tax documents |
US7620653B1 (en) | 2006-02-01 | 2009-11-17 | Amazon Technologies, Inc. | Service for retrieving and aggregating data used to generate web pages or other content items |
US9336333B2 (en) | 2006-02-13 | 2016-05-10 | Linkedin Corporation | Searching and reference checking within social networks |
KR20070081504A (en) | 2006-02-13 | 2007-08-17 | (주)이즈메이커 | The people search system and the service method offered by name |
US8374973B2 (en) | 2006-02-16 | 2013-02-12 | Microsoft Corporation | Reputation system |
US20070208640A1 (en) | 2006-02-21 | 2007-09-06 | Banasiak Michael J | Method and Apparatus for Assessing Debtor Payment Behavior |
US7747521B2 (en) | 2006-02-22 | 2010-06-29 | First American Corelogic, Inc. | System and method for monitoring events associated with a person or property |
US20070204033A1 (en) | 2006-02-24 | 2007-08-30 | James Bookbinder | Methods and systems to detect abuse of network services |
US7770100B2 (en) | 2006-02-27 | 2010-08-03 | Microsoft Corporation | Dynamic thresholds for conditional formats |
US9996880B2 (en) | 2006-02-28 | 2018-06-12 | Intersections, Inc. | Method and system for preventing and detecting identity theft |
US7996252B2 (en) | 2006-03-02 | 2011-08-09 | Global Customer Satisfaction System, Llc | Global customer satisfaction system |
US7711636B2 (en) | 2006-03-10 | 2010-05-04 | Experian Information Solutions, Inc. | Systems and methods for analyzing data |
WO2007106786A2 (en) | 2006-03-10 | 2007-09-20 | Vantagescore Solutions, Llc | Methods and systems for multi-credit reporting agency data modeling |
US7761384B2 (en) | 2006-03-16 | 2010-07-20 | Sushil Madhogarhia | Strategy-driven methodology for reducing identity theft |
US20070220003A1 (en) | 2006-03-17 | 2007-09-20 | Chern Kevin W | System and method for collecting and/or managing data for remote service providers |
CN1835438B (en) | 2006-03-22 | 2011-07-27 | 阿里巴巴集团控股有限公司 | Method of realizing single time accession between websites and website thereof |
US7809398B2 (en) | 2006-03-24 | 2010-10-05 | At&T Intellectual Property I, L.P. | System and method of storing contact information |
US7841008B1 (en) | 2006-03-31 | 2010-11-23 | Symantec Corporation | Threat personalization |
JP4682903B2 (en) | 2006-04-06 | 2011-05-11 | 株式会社デンソー | Remote service system for vehicles |
US7739129B2 (en) | 2006-04-10 | 2010-06-15 | Accenture Global Services Gmbh | Benefit plan intermediary |
US7620597B2 (en) | 2006-04-14 | 2009-11-17 | Eze Ike O | Online loan application system using borrower profile information |
US7552467B2 (en) | 2006-04-24 | 2009-06-23 | Jeffrey Dean Lindsay | Security systems for protecting an asset |
US8099329B2 (en) | 2006-04-25 | 2012-01-17 | Uc Group Limited | Systems and methods for determining taxes owed for financial transactions conducted over a network |
US20070265929A1 (en) | 2006-04-26 | 2007-11-15 | Michael Danninger | Portal page personalization offering a direct manipulative window arrangement functionality |
US7389913B2 (en) | 2006-04-28 | 2008-06-24 | Ed Starrs | Method and apparatus for online check processing |
WO2007127411A2 (en) | 2006-04-28 | 2007-11-08 | Efunds Corporation | Methods and systems for opening and funding a financial account online |
US8739278B2 (en) | 2006-04-28 | 2014-05-27 | Oracle International Corporation | Techniques for fraud monitoring and detection using application fingerprinting |
US20070288360A1 (en) | 2006-05-03 | 2007-12-13 | Joseph Guy Seeklus | Systems and methods for determining whether candidates are qualified for desired situations based on credit scores |
CA2651644C (en) | 2006-05-10 | 2016-09-13 | Margaret Atwood | System, method and computer program, for enabling entry into transactions on a remote basis |
US7676410B2 (en) | 2006-05-12 | 2010-03-09 | CompuCredit Intellectual Property Holdings, Corp. II | Combined debt consolidation and settlement program |
US8732044B2 (en) | 2006-05-23 | 2014-05-20 | Mastercard International Incorporated | Electronic transaction apparatus and method |
US20070288355A1 (en) | 2006-05-26 | 2007-12-13 | Bruce Roland | Evaluating customer risk |
US7792903B2 (en) | 2006-05-31 | 2010-09-07 | Red Hat, Inc. | Identity management for open overlay for social networks and online services |
US7844520B1 (en) | 2006-05-31 | 2010-11-30 | Intuit Inc. | Method and apparatus for monitoring credit reports using a computing system implemented financial management system |
US8606669B2 (en) | 2006-06-01 | 2013-12-10 | Broadridge Securities Processing Solutions, Inc. | Systems and methods for client screening in the financial services industry |
US20080015977A1 (en) | 2006-06-14 | 2008-01-17 | Curry Edith L | Methods of deterring fraud and other improper behaviors within an organization |
US20080047017A1 (en) | 2006-06-23 | 2008-02-21 | Martin Renaud | System and method for dynamically assessing security risks attributed to a computer user's behavior |
US8099309B1 (en) | 2006-06-26 | 2012-01-17 | Intuit Inc. | Financial policy change advisor |
US20080004957A1 (en) | 2006-06-29 | 2008-01-03 | Microsoft Corporation | Targeted advertising for portable devices |
US7644042B2 (en) | 2006-06-30 | 2010-01-05 | Amazon Technologies, Inc. | Managing transaction accounts |
US20080028446A1 (en) | 2006-07-25 | 2008-01-31 | Mypoints.Com Inc. | System and method of efficient e-mail link expiration |
US7725421B1 (en) | 2006-07-26 | 2010-05-25 | Google Inc. | Duplicate account identification and scoring |
US20080040176A1 (en) | 2006-07-31 | 2008-02-14 | Montage, Inc. | Online Protection Plan Supplemental Services |
US8086523B1 (en) | 2006-08-07 | 2011-12-27 | Allstate Insurance Company | Credit risk evaluation with responsibility factors |
US8407250B2 (en) | 2006-08-07 | 2013-03-26 | Google Inc. | Distribution of content document to varying users with security customization and scalability |
US20080066188A1 (en) | 2006-08-08 | 2008-03-13 | Dusic Kwak | Identity verification system |
US8458062B2 (en) | 2006-08-11 | 2013-06-04 | Capital One Financial Corporation | Real-time product matching |
US8121915B1 (en) | 2006-08-16 | 2012-02-21 | Resource Consortium Limited | Generating financial plans using a personal information aggregator |
CA2660493A1 (en) | 2006-08-17 | 2008-02-21 | Experian Information Solutions, Inc. | System and method for providing a score for a used vehicle |
US8321342B2 (en) | 2006-08-28 | 2012-11-27 | Choicepay, Inc. | Method and system to accept and settle transaction payments for an unbanked consumer |
US7874008B2 (en) | 2006-08-29 | 2011-01-18 | International Business Machines Corporation | Dynamically configuring extensible role based manageable resources |
MX2009002148A (en) | 2006-08-29 | 2009-05-12 | Visa Int Service Ass | Method and system for processing internet purchase transactions. |
WO2008028046A2 (en) | 2006-08-30 | 2008-03-06 | Pay Rent, Build Credit, Inc. | System and method of credit data collection and verification |
US8799148B2 (en) | 2006-08-31 | 2014-08-05 | Rohan K. K. Chandran | Systems and methods of ranking a plurality of credit card offers |
US7925982B2 (en) | 2006-09-01 | 2011-04-12 | Cheryl Parker | System and method of overlaying and integrating data with geographic mapping applications |
US20080059364A1 (en) | 2006-09-01 | 2008-03-06 | Tidwell Lisa C | Systems and methods for performing a financial trustworthiness assessment |
US8564544B2 (en) | 2006-09-06 | 2013-10-22 | Apple Inc. | Touch screen device, method, and graphical user interface for customizing display of content category icons |
US7606752B2 (en) | 2006-09-07 | 2009-10-20 | Yodlee Inc. | Host exchange in bill paying services |
EP2062155A4 (en) | 2006-09-12 | 2011-01-05 | Wayport Inc | Providing location-based services in a distributed environment without direct control over the point of access |
US20080086400A1 (en) | 2006-09-15 | 2008-04-10 | Carrie Ardelean | Computerized credit services information management system |
US20080086431A1 (en) | 2006-09-15 | 2008-04-10 | Icebreaker, Inc. | Social interaction messaging and notification |
US20080077526A1 (en) | 2006-09-20 | 2008-03-27 | First Data Corporation | Online payer authorization systems and methods |
US7912865B2 (en) | 2006-09-26 | 2011-03-22 | Experian Marketing Solutions, Inc. | System and method for linking multiple entities in a business database |
US7730078B2 (en) | 2006-09-28 | 2010-06-01 | Honeywell Hommed Llc | Role based internet access and individualized role based systems to view biometric information |
CN101536520B (en) | 2006-09-29 | 2011-08-17 | 联合视频制品公司 | Management of profiles for interactive media guidance applications |
US7788708B2 (en) | 2006-10-02 | 2010-08-31 | Presenceid, Inc. | Systems and methods for delegating information technology authorization to at least one other person |
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US7805362B1 (en) | 2006-10-10 | 2010-09-28 | United Services Automobile Association (Usaa) | Methods of and systems for money laundering risk assessment |
US7801811B1 (en) | 2006-10-10 | 2010-09-21 | United Services Automobile Association (Usaa) | Methods of and systems for money laundering risk assessment |
US10068220B2 (en) | 2006-10-11 | 2018-09-04 | Visa International Service Association | Systems and methods for brokered authentication express seller links |
US8055904B1 (en) | 2006-10-19 | 2011-11-08 | United Services Automobile Assocation (USAA) | Systems and methods for software application security management |
US8219771B2 (en) | 2006-10-19 | 2012-07-10 | Stmicroelectronics, Inc. | Portable device for storing private information such as medical, financial or emergency information |
US7797252B2 (en) | 2006-10-20 | 2010-09-14 | Target Brands, Inc. | Service plan product and associated system |
US20080103800A1 (en) | 2006-10-25 | 2008-05-01 | Domenikos Steven D | Identity Protection |
GB0621189D0 (en) | 2006-10-25 | 2006-12-06 | Payfont Ltd | Secure authentication and payment system |
US20100205179A1 (en) | 2006-10-26 | 2010-08-12 | Carson Anthony R | Social networking system and method |
US7899750B1 (en) | 2006-10-31 | 2011-03-01 | Intuit Inc. | Goal orientated computing system implemented financial management using projected balances |
US20080288299A1 (en) | 2006-10-31 | 2008-11-20 | Genmobi Technologies, Inc. | System and method for user identity validation for online transactions |
US20080120204A1 (en) | 2006-10-31 | 2008-05-22 | Caterpillar Inc. | Method for transferring product service records |
US9519715B2 (en) | 2006-11-02 | 2016-12-13 | Excalibur Ip, Llc | Personalized search |
US8645853B2 (en) | 2006-11-03 | 2014-02-04 | Business Objects Software Ltd. | Displaying visualizations linked to one or more data source queries |
US8060916B2 (en) | 2006-11-06 | 2011-11-15 | Symantec Corporation | System and method for website authentication using a shared secret |
US20080114670A1 (en) | 2006-11-14 | 2008-05-15 | Mark Friesen | Systems and methods for a transaction vetting service |
US7603435B2 (en) | 2006-11-15 | 2009-10-13 | Palm, Inc. | Over-the-air device kill pill and lock |
US20080120716A1 (en) | 2006-11-21 | 2008-05-22 | Hall David N | System and method for enhancing security of an electronic device |
US20080126233A1 (en) | 2006-11-29 | 2008-05-29 | Verizon Services Organization Inc. | Purchase notification system |
US8239250B2 (en) | 2006-12-01 | 2012-08-07 | American Express Travel Related Services Company, Inc. | Industry size of wallet |
US20080133273A1 (en) | 2006-12-04 | 2008-06-05 | Philip Marshall | System and method for sharing medical information |
US20090037255A1 (en) | 2006-12-06 | 2009-02-05 | Leo Chiu | Behavior aggregation |
US20080140734A1 (en) | 2006-12-07 | 2008-06-12 | Robert Edward Wagner | Method for identifying logical data discrepancies between database replicas in a database cluster |
US8640201B2 (en) | 2006-12-11 | 2014-01-28 | Microsoft Corporation | Mail server coordination activities using message metadata |
US7953627B2 (en) | 2006-12-12 | 2011-05-31 | American Express Travel Related Services Company, Inc. | Identifying industry segments with highest potential for new customers or new spending for current customers |
US20080140476A1 (en) | 2006-12-12 | 2008-06-12 | Shubhasheesh Anand | Smart advertisement generating system |
US20080148368A1 (en) | 2006-12-14 | 2008-06-19 | Mary Ellen Zurko | Secure extranet access to collaborative activities in a collaborative computing environment |
US8706575B2 (en) | 2006-12-18 | 2014-04-22 | Mastercard International Incorporated | Method and apparatus for transaction management |
US20090187507A1 (en) | 2006-12-20 | 2009-07-23 | Brown Kerry D | Secure financial transaction network |
US20080154758A1 (en) | 2006-12-21 | 2008-06-26 | Friedrich Schattmaier | Systems and methods for maintaining credit information about an entity |
US8781951B2 (en) | 2006-12-22 | 2014-07-15 | Ccip Corp. | Method and system for providing financing |
CN101647040A (en) | 2006-12-26 | 2010-02-10 | 维萨美国股份有限公司 | Mobile payment system and method using alias |
US7844604B2 (en) | 2006-12-28 | 2010-11-30 | Yahoo! Inc. | Automatically generating user-customized notifications of changes in a social network system |
WO2008085204A2 (en) | 2006-12-29 | 2008-07-17 | Prodea Systems, Inc. | Demarcation between application service provider and user in multi-services gateway device at user premises |
US8010403B2 (en) | 2006-12-29 | 2011-08-30 | American Express Travel Related Services Company, Inc. | System and method for targeting transaction account product holders to receive upgraded transaction account products |
US20080162383A1 (en) | 2007-01-02 | 2008-07-03 | Kraft Harold H | Methods, systems, and apparatus for lowering the incidence of identity theft in consumer credit transactions |
US8239325B2 (en) | 2007-01-18 | 2012-08-07 | Paymentone Corporation | Method and system to verify the identity of a user |
US20080177655A1 (en) | 2007-01-23 | 2008-07-24 | David Zalik | Systems and methods of underwriting business credit |
US10007895B2 (en) | 2007-01-30 | 2018-06-26 | Jonathan Brian Vanasco | System and method for indexing, correlating, managing, referencing and syndicating identities and relationships across systems |
US8606666B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
US9031873B2 (en) | 2007-02-13 | 2015-05-12 | Future Route Limited | Methods and apparatus for analysing and/or pre-processing financial accounting data |
US20080201257A1 (en) | 2007-02-15 | 2008-08-21 | Darryl Lewis | Alternative method and system for leasing, financing and purchasing residential real estate |
US20080208735A1 (en) | 2007-02-22 | 2008-08-28 | American Expresstravel Related Services Company, Inc., A New York Corporation | Method, System, and Computer Program Product for Managing Business Customer Contacts |
US8099376B2 (en) | 2007-02-22 | 2012-01-17 | Fair Isaac Corporation | Rule-based management of adaptive models and agents |
US7886219B2 (en) | 2007-02-26 | 2011-02-08 | Emc Corporation | Automatic form generation |
US7787869B2 (en) | 2007-02-26 | 2010-08-31 | Sony Ericsson Mobile Communications Ab | Device, method, and computer program product for providing enhanced blogging features on a mobile phone |
US20080208548A1 (en) | 2007-02-27 | 2008-08-28 | Transunion Interactive, Inc., A Delaware Corporation | Credit Report-Based Predictive Models |
US20080222706A1 (en) | 2007-03-06 | 2008-09-11 | Martin Renaud | Globally aware authentication system |
US20080228775A1 (en) | 2007-03-15 | 2008-09-18 | Fatdoor, Inc. | Youth communities in a geo-spatial environment |
US7853998B2 (en) | 2007-03-22 | 2010-12-14 | Mocana Corporation | Firewall propagation |
US8285656B1 (en) | 2007-03-30 | 2012-10-09 | Consumerinfo.Com, Inc. | Systems and methods for data verification |
US20090048957A1 (en) | 2007-04-02 | 2009-02-19 | Matthew Celano | Method and system for financial counseling |
US8775238B2 (en) | 2007-04-03 | 2014-07-08 | International Business Machines Corporation | Generating customized disincentive marketing content for a customer based on customer risk assessment |
US7698214B1 (en) | 2007-04-03 | 2010-04-13 | General Mortgage Finance Corp. | Systems and methods of trading closed loans, debt, and other financial obligations |
US7975299B1 (en) | 2007-04-05 | 2011-07-05 | Consumerinfo.Com, Inc. | Child identity monitor |
US7809797B2 (en) | 2007-04-06 | 2010-10-05 | Symantec Corporation | Parental control using social metrics system and method |
CN101291329A (en) | 2007-04-16 | 2008-10-22 | 林仲宇 | Method for network on-line payment double authentication by telephone and identifying card |
US7979896B2 (en) | 2007-04-20 | 2011-07-12 | Microsoft Corporation | Authorization for access to web service resources |
US20080312969A1 (en) | 2007-04-20 | 2008-12-18 | Richard Raines | System and method for insurance underwriting and rating |
US20080270038A1 (en) | 2007-04-24 | 2008-10-30 | Hadi Partovi | System, apparatus and method for determining compatibility between members of a social network |
US8725597B2 (en) | 2007-04-25 | 2014-05-13 | Google Inc. | Merchant scoring system and transactional database |
US8200663B2 (en) | 2007-04-25 | 2012-06-12 | Chacha Search, Inc. | Method and system for improvement of relevance of search results |
WO2008141256A2 (en) | 2007-05-10 | 2008-11-20 | Mary Kay Hoal | Social networking system |
US20080294501A1 (en) | 2007-05-21 | 2008-11-27 | Steven Carl Rennich | Collecting and providing information about vendors, products and services |
US7575157B2 (en) | 2007-05-22 | 2009-08-18 | Bank Of America Corporation | Fraud protection |
US20080301016A1 (en) | 2007-05-30 | 2008-12-04 | American Express Travel Related Services Company, Inc. General Counsel's Office | Method, System, and Computer Program Product for Customer Linking and Identification Capability for Institutions |
US7620596B2 (en) | 2007-06-01 | 2009-11-17 | The Western Union Company | Systems and methods for evaluating financial transaction risk |
GB0710845D0 (en) | 2007-06-06 | 2007-07-18 | Crisp Thinking Ltd | Communication system |
US7877784B2 (en) | 2007-06-07 | 2011-01-25 | Alcatel Lucent | Verifying authenticity of webpages |
US9009829B2 (en) | 2007-06-12 | 2015-04-14 | The Trustees Of Columbia University In The City Of New York | Methods, systems, and media for baiting inside attackers |
US20120084866A1 (en) | 2007-06-12 | 2012-04-05 | Stolfo Salvatore J | Methods, systems, and media for measuring computer security |
US7739169B2 (en) | 2007-06-25 | 2010-06-15 | Visa U.S.A. Inc. | Restricting access to compromised account information |
US20090006230A1 (en) | 2007-06-27 | 2009-01-01 | Checkfree Corporation | Identity Risk Scoring |
US20090007231A1 (en) | 2007-06-29 | 2009-01-01 | Caterpillar Inc. | Secured systems and methods for tracking and management of logistical processes |
US7958050B2 (en) | 2007-07-02 | 2011-06-07 | Early Warning Services, Llc | Payment account monitoring system and method |
US7788207B2 (en) | 2007-07-09 | 2010-08-31 | Blackboard Inc. | Systems and methods for integrating educational software systems |
US20090037279A1 (en) | 2007-07-27 | 2009-02-05 | Ortiva Wireless, Inc. | Dynamic Creation of Personalized Presentations For Network Communication Systems |
CA2695223C (en) | 2007-07-31 | 2016-11-08 | City National Bank | Systems and methods for processing banking transactions |
US7970676B2 (en) | 2007-08-01 | 2011-06-28 | Fair Isaac Corporation | Method and system for modeling future action impact in credit scoring |
US8296834B2 (en) | 2007-08-02 | 2012-10-23 | Deluxe Corporation | Secure single-sign-on portal system |
US20090043691A1 (en) | 2007-08-06 | 2009-02-12 | Sheldon Kasower | System and method for gathering, processing, authenticating and distributing personal information |
US20090055404A1 (en) | 2007-08-13 | 2009-02-26 | Visualcv, Inc. | System and method for online profile management |
US20090055322A1 (en) | 2007-08-23 | 2009-02-26 | Microsoft Corporation | Removable module in personal handheld devices for personal information exchange |
US7849014B2 (en) | 2007-08-29 | 2010-12-07 | American Express Travel Related Services Company, Inc. | System and method for facilitating a financial transaction with a dynamically generated identifier |
US10055595B2 (en) | 2007-08-30 | 2018-08-21 | Baimmt, Llc | Secure credentials control method |
US7792725B2 (en) | 2007-09-20 | 2010-09-07 | The Vanguard Group, Inc. | Investment company that invests in fixed income securities and has conventional and ETF share classes with different dividend payment frequencies |
US20090089190A1 (en) | 2007-09-27 | 2009-04-02 | Girulat Jr Rollin M | Systems and methods for monitoring financial activities of consumers |
US10679196B2 (en) | 2007-09-28 | 2020-06-09 | The Western Union Company | Bill payment aggregation service |
US8515903B2 (en) | 2007-10-03 | 2013-08-20 | Database Logic Inc. | Collaboration of plural databases by interaction through universal index |
US8060502B2 (en) | 2007-10-04 | 2011-11-15 | American Express Travel Related Services Company, Inc. | Methods, systems, and computer program products for generating data quality indicators for relationships in a database |
US8214291B2 (en) | 2007-10-19 | 2012-07-03 | Ebay Inc. | Unified identity verification |
US8456293B1 (en) | 2007-10-22 | 2013-06-04 | Alarm.Com Incorporated | Providing electronic content based on sensor data |
US20090106846A1 (en) | 2007-10-23 | 2009-04-23 | Identity Rehab Corporation | System and method for detection and mitigation of identity theft |
US8548903B2 (en) | 2007-10-23 | 2013-10-01 | Trans Union Llc. | Systems and methods for minimizing effects of authorized user credit tradelines |
US20090125369A1 (en) | 2007-10-26 | 2009-05-14 | Crowe Horwath Llp | System and method for analyzing and dispositioning money laundering suspicious activity alerts |
US8250097B2 (en) | 2007-11-02 | 2012-08-21 | Hue Rhodes | Online identity management and identity verification |
US8799068B2 (en) | 2007-11-05 | 2014-08-05 | Facebook, Inc. | Social advertisements and other informational messages on a social networking website, and advertising model for same |
US20090119199A1 (en) | 2007-11-07 | 2009-05-07 | Nameyourloan | Loan determination method and apparatus |
US7653593B2 (en) | 2007-11-08 | 2010-01-26 | Equifax, Inc. | Macroeconomic-adjusted credit risk score systems and methods |
US8225395B2 (en) | 2007-11-13 | 2012-07-17 | Equifax, Inc. | Systems and methods for detecting child identity theft |
US8141139B2 (en) | 2007-11-14 | 2012-03-20 | International Business Machines Corporation | Federated single sign-on (F-SSO) request processing using a trust chain having a custom module |
US9992648B2 (en) | 2007-11-17 | 2018-06-05 | S. Sejo Pan | Apparatus, method and system for subsequently connecting people |
US8127986B1 (en) | 2007-12-14 | 2012-03-06 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8281145B2 (en) | 2007-12-14 | 2012-10-02 | Mehran Randall Rasti | Doing business without SSN, EIN, and charge card numbers |
US20090158186A1 (en) | 2007-12-17 | 2009-06-18 | Bonev Robert | Drag and drop glads |
US7546271B1 (en) | 2007-12-20 | 2009-06-09 | Choicepoint Asset Company | Mortgage fraud detection systems and methods |
US20090164929A1 (en) | 2007-12-20 | 2009-06-25 | Microsoft Corporation | Customizing Search Results |
US8527357B1 (en) | 2007-12-21 | 2013-09-03 | Venkat Ganesan | Client and server system for coordinating messaging between motivated buyers and listed sellers |
US20090171723A1 (en) | 2007-12-26 | 2009-07-02 | Jenkins Chad G | Systems and methods for electronic account certification and enhanced credit reporting |
US8762243B2 (en) | 2007-12-26 | 2014-06-24 | Formfree Holdings Corporation | Systems and methods for electronic account certification and enhanced credit reporting |
US8412931B2 (en) | 2007-12-27 | 2013-04-02 | Apple Inc. | Techniques for credential strength analysis via failed intruder access attempts |
US20090177529A1 (en) | 2007-12-31 | 2009-07-09 | Altaf Hadi | Internet eco system for transacting information and transactional data for compensation |
US7974893B2 (en) | 2008-01-04 | 2011-07-05 | Deborah Peace | Systems and methods for providing ACH transaction notification and facilitating ACH transaction disputes |
US7979369B2 (en) | 2008-01-09 | 2011-07-12 | Keibi Technologies, Inc. | Classification of digital content by using aggregate scoring |
US20090183259A1 (en) | 2008-01-11 | 2009-07-16 | Rinek Jeffrey L | Integrated Protection Service System Defining Risk Profiles for Minors |
WO2009089487A1 (en) | 2008-01-11 | 2009-07-16 | Drubner Jeffrey M | Method and system for uniquely identifying a person to the exclusion of all others |
KR20090080692A (en) | 2008-01-22 | 2009-07-27 | 삼성전자주식회사 | Profile synchronization system and the method thereof |
CN101499071A (en) | 2008-01-30 | 2009-08-05 | 国际商业机器公司 | Device and method for creating and using customized uniform resource locator |
US20090198602A1 (en) | 2008-01-31 | 2009-08-06 | Intuit Inc. | Ranking commercial offers based on user financial data |
US20100083371A1 (en) | 2008-10-01 | 2010-04-01 | Christopher Lee Bennetts | User Access Control System And Method |
US20090198557A1 (en) | 2008-01-31 | 2009-08-06 | Intuit Inc. | Timing commercial offers based on long-term user data |
US8165940B2 (en) | 2008-01-31 | 2012-04-24 | Visa U.S.A. Inc. | Non-credit account credit rating |
US8959618B2 (en) | 2008-02-05 | 2015-02-17 | Red Hat, Inc. | Managing password expiry |
US8055579B2 (en) | 2008-02-06 | 2011-11-08 | Vantagescore Solutions, Llc | Methods and systems for score consistency |
US9256898B2 (en) | 2008-02-11 | 2016-02-09 | International Business Machines Corporation | Managing shared inventory in a virtual universe |
EP2088743B1 (en) | 2008-02-11 | 2013-07-03 | Accenture Global Services Limited | Digital file locker |
US8244721B2 (en) | 2008-02-13 | 2012-08-14 | Microsoft Corporation | Using related users data to enhance web search |
US8065169B1 (en) | 2008-02-15 | 2011-11-22 | Allstate Insurance Company | Real-time insurance estimate based on non-personal identifying information |
US20090210241A1 (en) | 2008-02-15 | 2009-08-20 | Calloway T Michael | Emergency Contact System that Interfaces with Government ID |
US20090210886A1 (en) | 2008-02-19 | 2009-08-20 | Bhojwani Sandeep M | Method and system for defining financial transaction notification preferences |
US8725611B1 (en) | 2008-02-21 | 2014-05-13 | Jpmorgan Chase Bank, N.A. | System and method for providing borrowing schemes |
US20090217342A1 (en) | 2008-02-25 | 2009-08-27 | Sima Nadler | Parental Control for Social Networking |
US7853520B2 (en) | 2008-02-29 | 2010-12-14 | American Express Travel Related Services Company, Inc. | Total structural risk model |
US7849004B2 (en) | 2008-02-29 | 2010-12-07 | American Express Travel Related Services Company, Inc. | Total structural risk model |
US8868741B2 (en) | 2008-03-03 | 2014-10-21 | Leapfrog Enterprises, Inc. | Method and apparatus for custodial monitoring, filtering, and approving of content |
US9734487B2 (en) | 2008-03-03 | 2017-08-15 | Oracle International Corporation | Useful data and content feeds in the enterprise |
US20090228918A1 (en) | 2008-03-05 | 2009-09-10 | Changingworlds Ltd. | Content recommender |
US8805736B2 (en) | 2008-03-08 | 2014-08-12 | Stefan Melik-Aslanian | Fraud prevention and replacement of credit/debit cards—lost, stolen, defective or fraudulently used |
US20090234665A1 (en) | 2008-03-11 | 2009-09-17 | Electronic Data Systems Corporation | System and method for customer feedback |
US20090234775A1 (en) | 2008-03-12 | 2009-09-17 | Jason Whitney | Real estate appraisal system and method |
US20090234876A1 (en) | 2008-03-14 | 2009-09-17 | Timothy Schigel | Systems and methods for content sharing |
US20090240624A1 (en) | 2008-03-20 | 2009-09-24 | Modasolutions Corporation | Risk detection and assessment of cash payment for electronic purchase transactions |
CA2659698C (en) | 2008-03-21 | 2020-06-16 | Dressbot Inc. | System and method for collaborative shopping, business and entertainment |
US20090271248A1 (en) | 2008-03-27 | 2009-10-29 | Experian Information Solutions, Inc. | Precalculation of trending attributes |
US20090248573A1 (en) | 2008-03-28 | 2009-10-01 | American Express Travel Related Services Company, Inc. | Consumer behaviors at lender level |
US8250096B2 (en) | 2008-03-31 | 2012-08-21 | Yahoo! Inc. | Access to trusted user-generated content using social networks |
US9881152B2 (en) | 2008-04-01 | 2018-01-30 | Yougetitback Limited | System for monitoring the unauthorized use of a device |
US20090254476A1 (en) | 2008-04-04 | 2009-10-08 | Quickreceipt Solutions Incorporated | Method and system for managing personal and financial information |
WO2009126545A2 (en) | 2008-04-08 | 2009-10-15 | The Quantum Group, Inc. | System and methods for automated healthcare patient record search, extraction, and creation |
US20090260064A1 (en) | 2008-04-15 | 2009-10-15 | Problem Resolution Enterprise, Llc | Method and process for registering a device to verify transactions |
WO2009134817A1 (en) | 2008-04-28 | 2009-11-05 | Strands, Inc. | Method for providing personalized recommendations of financial products based on user data |
US20090271265A1 (en) | 2008-04-28 | 2009-10-29 | Cyndigo, Corp. | Electronic receipt system and method |
US7761373B2 (en) | 2008-04-30 | 2010-07-20 | Moody's Investors Service, Inc. | Method and system for predicting credit ratings transitions |
US20090280467A1 (en) | 2008-05-12 | 2009-11-12 | Matthew Lawrence Ahart | Platform and method for automated phone education |
US20090289110A1 (en) | 2008-05-22 | 2009-11-26 | Paul Regen | Wireless Biometric Computer Mouse with Integrated Credit Card Reader |
US8037097B2 (en) | 2008-05-30 | 2011-10-11 | Yahoo! Inc. | Universal device identifier for globally identifying and binding disparate device identifiers to the same mobile device |
US8543998B2 (en) | 2008-05-30 | 2013-09-24 | Oracle International Corporation | System and method for building virtual appliances using a repository metadata server and a dependency resolution service |
US20090307140A1 (en) | 2008-06-06 | 2009-12-10 | Upendra Mardikar | Mobile device over-the-air (ota) registration and point-of-sale (pos) payment |
US8744946B2 (en) | 2008-06-09 | 2014-06-03 | Quest Growth Partners, Llc | Systems and methods for credit worthiness scoring and loan facilitation |
US8171415B2 (en) | 2008-06-11 | 2012-05-01 | International Business Machines Corporation | Outage management portal leveraging back-end resources to create a role and user tailored front-end interface for coordinating outage responses |
CN102057385A (en) | 2008-06-12 | 2011-05-11 | 环球娱乐株式会社 | Electronic settling system |
EP2288987A4 (en) | 2008-06-12 | 2015-04-01 | Guardian Analytics Inc | Modeling users for fraud detection and analysis |
US7853493B2 (en) | 2008-06-18 | 2010-12-14 | Consumerinfo.Com, Inc. | Personal finance integration system and method |
US8095443B2 (en) | 2008-06-18 | 2012-01-10 | Consumerinfo.Com, Inc. | Debt trending systems and methods |
WO2009158361A1 (en) | 2008-06-24 | 2009-12-30 | Mobile Tribe Llc | Branded advertising based dynamic experience generator |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US20090327120A1 (en) | 2008-06-27 | 2009-12-31 | Eze Ike O | Tagged Credit Profile System for Credit Applicants |
US20090327054A1 (en) | 2008-06-27 | 2009-12-31 | Microsoft Corporation | Personal reputation system based on social networking |
US20100030649A1 (en) | 2008-06-27 | 2010-02-04 | Trans Union Llc | Method and system for batch execution of variable input data |
US20090327270A1 (en) | 2008-06-27 | 2009-12-31 | Microsoft Corporation | Using Variation in User Interest to Enhance the Search Experience |
EP2297685A1 (en) | 2008-07-04 | 2011-03-23 | Yogesh Chunilal Rathod | Methods and systems for brands social networks (bsn) platform |
US20100009332A1 (en) | 2008-07-08 | 2010-01-14 | Starfish Retention Solutions, Inc. | Method for compelling engagement between students and providers |
US20100009320A1 (en) | 2008-07-11 | 2010-01-14 | Christopher Allen Wilkelis | Credit management course |
US20100023434A1 (en) | 2008-07-27 | 2010-01-28 | Isaiah Bond | Automated Credit/Debt Management Counsel By Isaiah Bond |
US8706622B2 (en) | 2008-08-05 | 2014-04-22 | Visa U.S.A. Inc. | Account holder demand account update |
NL2001879C2 (en) | 2008-08-07 | 2010-02-09 | Stroeve Beheer B V A | Method for creating a series of weighted areas of interest of a user of multiple social computer networks, and system for that. |
GB0814605D0 (en) | 2008-08-11 | 2008-09-17 | Greatvine Ltd | Onine management of the provision of advice and services |
US8943549B2 (en) | 2008-08-12 | 2015-01-27 | First Data Corporation | Methods and systems for online fraud protection |
US20100042520A1 (en) | 2008-08-12 | 2010-02-18 | 27804Branch Banking and Trust Company | System and method for an electronic lending system |
US9256904B1 (en) | 2008-08-14 | 2016-02-09 | Experian Information Solutions, Inc. | Multi-bureau credit file freeze and unfreeze |
US7890403B1 (en) | 2008-08-15 | 2011-02-15 | United Services Automobile Association (Usaa) | Systems and methods for implementing real estate future market value insurance |
US8499037B2 (en) | 2008-08-19 | 2013-07-30 | Manoj Ramnani | Automatic profile update in a mobile device |
US9037648B2 (en) | 2008-08-19 | 2015-05-19 | John Ogilvie | Anonymity-preserving reciprocal vetting from a system perspective |
US8032932B2 (en) | 2008-08-22 | 2011-10-04 | Citibank, N.A. | Systems and methods for providing security token authentication |
US8595101B1 (en) | 2008-09-08 | 2013-11-26 | Exerian Information Solutions, Inc. | Systems and methods for managing consumer accounts using data migration |
US20100063993A1 (en) | 2008-09-08 | 2010-03-11 | Yahoo! Inc. | System and method for socially aware identity manager |
WO2010036933A2 (en) | 2008-09-25 | 2010-04-01 | Harclay, Llc | Borrowing and lending platform and method |
US20150324920A1 (en) | 2008-09-30 | 2015-11-12 | Allstate Insurance Company | Real-Time Insurance Estimate Based on Limited Identification |
US20100082476A1 (en) | 2008-10-01 | 2010-04-01 | Bowman Eric A | Comprehensive method for increasing credit scores |
US8412593B1 (en) | 2008-10-07 | 2013-04-02 | LowerMyBills.com, Inc. | Credit card matching |
US8606678B2 (en) | 2008-10-15 | 2013-12-10 | Bank Of America Corporation | Interactive and collaborative financial customer experience application |
US8307412B2 (en) | 2008-10-20 | 2012-11-06 | Microsoft Corporation | User authentication management |
US8560161B1 (en) | 2008-10-23 | 2013-10-15 | Experian Information Solutions, Inc. | System and method for monitoring and predicting vehicle attributes |
US8117106B2 (en) | 2008-10-30 | 2012-02-14 | Telesign Corporation | Reputation scoring and reporting system |
US8682785B2 (en) | 2008-10-30 | 2014-03-25 | Bank Of America Corporation | Bank card authorization with balance indicator |
US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
AU2009311303B2 (en) | 2008-11-06 | 2015-09-10 | Visa International Service Association | Online challenge-response |
US8281379B2 (en) | 2008-11-13 | 2012-10-02 | Vasco Data Security, Inc. | Method and system for providing a federated authentication service with gradual expiration of credentials |
EP2370943A4 (en) | 2008-11-26 | 2012-04-25 | Motorola Mobility Inc | Method and apparatus for providing an advertisement to a user based on an action of a friend |
WO2010062986A2 (en) | 2008-11-26 | 2010-06-03 | Ringcentral, Inc. | Fraud prevention techniques |
US20100136956A1 (en) | 2008-12-02 | 2010-06-03 | Alexander Drachev | Real-time discovery and mutual screening of candidates for direct personal contact in user-designated vicinities |
US20100153290A1 (en) | 2008-12-12 | 2010-06-17 | Paul Duggan | Methods of matching job profiles and candidate profiles |
WO2010077989A1 (en) | 2008-12-16 | 2010-07-08 | Levine Michael B | System and method for authorization and disclosure for background information searches |
US20100153278A1 (en) | 2008-12-16 | 2010-06-17 | Farsedakis Lewis E | Web sites that introduce a seller to a universe of buyers, web sites that receive a buyer's listing of what he wants to buy, other introduction web sites, systems using introduction web sites and internet-based introductions |
US20100169159A1 (en) | 2008-12-30 | 2010-07-01 | Nicholas Rose | Media for Service and Marketing |
US20100174638A1 (en) | 2009-01-06 | 2010-07-08 | ConsumerInfo.com | Report existence monitoring |
US8127982B1 (en) | 2009-01-09 | 2012-03-06 | Apple Inc. | Parental controls |
AU2010204567A1 (en) | 2009-01-15 | 2011-08-11 | Visa U.S.A. Inc. | Incentives associated with linked financial accounts |
US8296323B2 (en) | 2009-01-20 | 2012-10-23 | Titanium Fire Ltd. | Personal data subscriber systems and methods |
US20100188684A1 (en) | 2009-01-23 | 2010-07-29 | Kabushiki Kaisha Toshiba | Method and system for identification of scanning/transferring of confidential document |
US9357384B2 (en) | 2009-02-09 | 2016-05-31 | International Business Machines Corporation | System and method to support identity theft protection as part of a distributed service oriented ecosystem |
US8125328B2 (en) | 2009-02-20 | 2012-02-28 | Verizon Patent And Licensing Inc. | System and method for providing managed remote monitoring services |
US20100229245A1 (en) | 2009-03-05 | 2010-09-09 | Tara Chand Singhal | System of security that prevents abuse of identity data in global commerce via mobile wireless authorizations |
CA2755362A1 (en) | 2009-03-06 | 2010-09-10 | Clarity Services, Inc. | System and method for credit reporting |
US20100241535A1 (en) | 2009-03-19 | 2010-09-23 | Brad Nightengale | Account activity alert |
US7783515B1 (en) | 2009-03-27 | 2010-08-24 | Bank Of America Corporation | Itemized receipt tracking system |
US20100248681A1 (en) | 2009-03-27 | 2010-09-30 | Anthony Phills | Method and system for producing emergency notifications |
US8260645B2 (en) | 2009-03-27 | 2012-09-04 | Bank Of America Corporation | Transaction recurrence engine |
US20100250509A1 (en) | 2009-03-27 | 2010-09-30 | Bank Of America Corporation | File scanning tool |
US9886693B2 (en) | 2009-03-30 | 2018-02-06 | Yuh-Shen Song | Privacy protected anti identity theft and payment network |
US8447687B2 (en) | 2009-03-30 | 2013-05-21 | Albert OGRODSKI | Method and system for centralized identity and account controls |
US8810574B2 (en) | 2009-04-02 | 2014-08-19 | Mellmo Inc. | Displaying pie charts in a limited display area |
US8234688B2 (en) | 2009-04-03 | 2012-07-31 | International Business Machines Corporation | Managing privacy settings for a social network |
US8672216B2 (en) | 2009-04-14 | 2014-03-18 | First Data Corporation | Flat card production systems and methods |
US20100268660A1 (en) | 2009-04-15 | 2010-10-21 | Jared Ekdahl | Systems and methods for verifying and rating mortgage financial companies |
US20100268557A1 (en) | 2009-04-17 | 2010-10-21 | Patrick Faith | Enrollment server |
US20100325048A1 (en) | 2009-04-28 | 2010-12-23 | Mark Carlson | System and method for providing consumer tip assistance as part of payment transaction |
US20100280914A1 (en) | 2009-05-04 | 2010-11-04 | Mark Carlson | Security system and method including alert messages |
US8429398B2 (en) | 2009-05-08 | 2013-04-23 | Nokia Corporation | Method and apparatus of providing personalized virtual environment |
US20100293090A1 (en) | 2009-05-14 | 2010-11-18 | Domenikos Steven D | Systems, methods, and apparatus for determining fraud probability scores and identity health scores |
US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
US8602293B2 (en) | 2009-05-15 | 2013-12-10 | Visa International Service Association | Integration of verification tokens with portable computing devices |
US7690032B1 (en) | 2009-05-22 | 2010-03-30 | Daon Holdings Limited | Method and system for confirming the identity of a user |
US20100323446A1 (en) | 2009-06-05 | 2010-12-23 | Jill Renee Barnett | Method of collecting placental cells |
US8745698B1 (en) | 2009-06-09 | 2014-06-03 | Bank Of America Corporation | Dynamic authentication engine |
US20120101970A1 (en) | 2009-06-22 | 2012-04-26 | United Parents Online Ltd. | Method and system of monitoring a network based communication among users |
WO2011000417A1 (en) | 2009-06-30 | 2011-01-06 | Nokia Siemens Networks Oy | System for protecting personal data |
US20110004498A1 (en) | 2009-07-01 | 2011-01-06 | International Business Machines Corporation | Method and System for Identification By A Cardholder of Credit Card Fraud |
RU2012103456A (en) | 2009-07-07 | 2013-08-20 | Логикс Фьюзион Инк. | METHOD FOR DISTRIBUTION OF INFORMATION AND POSITIVE FEEDBACKS ABOUT PRODUCTS |
US8607340B2 (en) | 2009-07-21 | 2013-12-10 | Sophos Limited | Host intrusion prevention system using software and user behavior analysis |
US8443202B2 (en) | 2009-08-05 | 2013-05-14 | Daon Holdings Limited | Methods and systems for authenticating users |
US9336514B2 (en) | 2009-08-06 | 2016-05-10 | Microsoft Corporation | System and method for automatic social messaging |
EP4070728A1 (en) | 2009-08-31 | 2022-10-12 | Abbott Diabetes Care, Inc. | Displays for a medical device |
US20110066495A1 (en) | 2009-09-11 | 2011-03-17 | Yahoo! Inc. | System and method for customizing ads in web and mobile applications |
US20110066618A1 (en) | 2009-09-14 | 2011-03-17 | Yahoo! Inc. | Query term relationship characterization for query response determination |
US20110071950A1 (en) | 2009-09-23 | 2011-03-24 | Webcom, Inc. | Customer-oriented customer relationship management process and system |
EP2306690A1 (en) | 2009-09-30 | 2011-04-06 | British Telecommunications public limited company | Method of retrieving service information |
US8799150B2 (en) | 2009-09-30 | 2014-08-05 | Scorelogix Llc | System and method for predicting consumer credit risk using income risk based credit score |
US9003531B2 (en) | 2009-10-01 | 2015-04-07 | Kaspersky Lab Zao | Comprehensive password management arrangment facilitating security |
US20120137367A1 (en) | 2009-11-06 | 2012-05-31 | Cataphora, Inc. | Continuous anomaly detection based on behavior modeling and heterogeneous information analysis |
US20110113086A1 (en) | 2009-11-10 | 2011-05-12 | Kevin Long | System and method for monitoring activity on internet-based social networks |
CA2685758A1 (en) | 2009-11-10 | 2011-05-10 | Neobanx Technologies Inc. | System and method for assessing credit risk in an on-line lending environment |
WO2011059957A1 (en) | 2009-11-10 | 2011-05-19 | Youdiligence Llc | System and method for monitoring activity of a specified user on internet-based social networks |
US20110125924A1 (en) | 2009-11-23 | 2011-05-26 | Telefonaktiebolaget L M Ericsson (Publ) | Method and system for synchronizing user content in a social network |
US20110126197A1 (en) | 2009-11-25 | 2011-05-26 | Novell, Inc. | System and method for controlling cloud and virtualized data centers in an intelligent workload management system |
US20110131130A1 (en) | 2009-12-01 | 2011-06-02 | Bank Of America Corporation | Integrated risk assessment and management system |
US20110137760A1 (en) | 2009-12-03 | 2011-06-09 | Rudie Todd C | Method, system, and computer program product for customer linking and identification capability for institutions |
US20110145899A1 (en) | 2009-12-10 | 2011-06-16 | Verisign, Inc. | Single Action Authentication via Mobile Devices |
US8281372B1 (en) | 2009-12-18 | 2012-10-02 | Joel Vidal | Device, system, and method of accessing electronic mail |
US8866607B2 (en) | 2009-12-23 | 2014-10-21 | Verizon Patent And Licensing Inc. | Method and system of providing location-based alerts for tracking personal items |
US8578496B1 (en) | 2009-12-29 | 2013-11-05 | Symantec Corporation | Method and apparatus for detecting legitimate computer operation misrepresentation |
US10282702B2 (en) | 2010-01-04 | 2019-05-07 | Bank Of America Corporation | Dynamic employee security risk scoring |
US8489499B2 (en) | 2010-01-13 | 2013-07-16 | Corelogic Solutions, Llc | System and method of detecting and assessing multiple types of risks related to mortgage lending |
US8321339B2 (en) | 2010-01-15 | 2012-11-27 | Apollo Enterprise Solutions, Inc. | System and method for resolving transactions with variable offer parameter selection capabilities |
US20110178841A1 (en) | 2010-01-20 | 2011-07-21 | American Express Travel Related Services Company, Inc. | System and method for clustering a population using spend level data |
US20110184780A1 (en) | 2010-01-21 | 2011-07-28 | Ebay Inc. | INTEGRATION OF eCOMMERCE FEATURES INTO SOCIAL NETWORKING PLATFORM |
US10089683B2 (en) | 2010-02-08 | 2018-10-02 | Visa International Service Association | Fraud reduction system for transactions |
US8527549B2 (en) | 2010-02-22 | 2013-09-03 | Sookasa Inc. | Cloud based operating and virtual file system |
US8885459B2 (en) | 2010-02-26 | 2014-11-11 | Futurewei Technologies, Inc. | System and method for computing a backup ingress of a point-to-multipoint label switched path |
US8756684B2 (en) | 2010-03-01 | 2014-06-17 | Emc Corporation | System and method for network security including detection of attacks through partner websites |
WO2011109420A1 (en) | 2010-03-01 | 2011-09-09 | Silver Tail Systems | System and method for network security including detection of attacks through partner websites |
US9613139B2 (en) | 2010-03-24 | 2017-04-04 | Taykey Ltd. | System and methods thereof for real-time monitoring of a sentiment trend with respect of a desired phrase |
WO2011126456A1 (en) | 2010-04-08 | 2011-10-13 | Invention Capital Llp | Quantitative dividends method and system |
US8195500B2 (en) | 2010-04-12 | 2012-06-05 | First Data Corporation | Point-of-sale-based market tracking and reporting |
US8244848B1 (en) | 2010-04-19 | 2012-08-14 | Facebook, Inc. | Integrated social network environment |
US20110264581A1 (en) | 2010-04-23 | 2011-10-27 | Visa U.S.A. Inc. | Systems and Methods to Provide Market Analyses and Alerts |
US8725613B1 (en) | 2010-04-27 | 2014-05-13 | Experian Information Solutions, Inc. | Systems and methods for early account score and notification |
US8626656B2 (en) | 2010-04-28 | 2014-01-07 | Ing Direct N.V. | System and method for securing payment instruments |
US20110270618A1 (en) | 2010-04-30 | 2011-11-03 | Bank Of America Corporation | Mobile commerce system |
US8433654B2 (en) | 2010-05-10 | 2013-04-30 | Billeo, Inc | Method and system for paying directly at biller websites from within a bill pay website |
US8655938B1 (en) | 2010-05-19 | 2014-02-18 | Adobe Systems Incorporated | Social media contributor weight |
US20110296003A1 (en) | 2010-06-01 | 2011-12-01 | Microsoft Corporation | User account behavior techniques |
US20110307397A1 (en) | 2010-06-09 | 2011-12-15 | Akram Benmbarek | Systems and methods for applying social influence |
US8725672B2 (en) | 2010-06-11 | 2014-05-13 | Avira B.V. | Method for detecting suspicious individuals in a friend list |
US8812342B2 (en) | 2010-06-15 | 2014-08-19 | International Business Machines Corporation | Managing and monitoring continuous improvement in detection of compliance violations |
US20110320582A1 (en) | 2010-06-23 | 2011-12-29 | Lewis George C | Online presence management system |
US20120005070A1 (en) * | 2010-07-01 | 2012-01-05 | Veretech Holdings, Inc. | Sales lead generation system using a credit score survey |
US9384112B2 (en) | 2010-07-01 | 2016-07-05 | Logrhythm, Inc. | Log collection, structuring and processing |
US8606694B2 (en) | 2010-07-02 | 2013-12-10 | Experian Credit Advisors, Inc. | Online registration system for CROA-compliant credit advice services |
US20120016948A1 (en) | 2010-07-15 | 2012-01-19 | Avaya Inc. | Social network activity monitoring and automated reaction |
US9262517B2 (en) | 2010-08-18 | 2016-02-16 | At&T Intellectual Property I, L.P. | Systems and methods for social media data mining |
US20120054088A1 (en) | 2010-08-25 | 2012-03-01 | Shane Edrington | Apparatus and method for short term loans |
US8601602B1 (en) | 2010-08-31 | 2013-12-03 | Google Inc. | Enhanced multi-factor authentication |
US8560935B2 (en) | 2010-08-31 | 2013-10-15 | American Sterling Dental Plan, Llc | Segmenting forms for multiple user completion |
US20120060105A1 (en) | 2010-09-08 | 2012-03-08 | Microsoft Corporation | Social network notifications |
US8515842B2 (en) | 2010-09-14 | 2013-08-20 | Evolution Finance, Inc. | Systems and methods for monitoring and optimizing credit scores |
US8880447B2 (en) | 2010-09-21 | 2014-11-04 | Gregory A. Pearson, Inc. | Systems and methods for matching people based on perceived activities |
US20120101938A1 (en) | 2010-10-25 | 2012-04-26 | Sheldon Kasower | Method and system for secure online payments |
US9021363B2 (en) | 2010-10-29 | 2015-04-28 | Ncr Corporation | Centralized user preference management for electronic decision making devices |
US8498930B2 (en) | 2010-11-09 | 2013-07-30 | Creditxpert, Inc. | System and method for credit forecasting |
US8782217B1 (en) | 2010-11-10 | 2014-07-15 | Safetyweb, Inc. | Online identity management |
US8484186B1 (en) | 2010-11-12 | 2013-07-09 | Consumerinfo.Com, Inc. | Personalized people finder |
US9147042B1 (en) | 2010-11-22 | 2015-09-29 | Experian Information Solutions, Inc. | Systems and methods for data verification |
US9268956B2 (en) | 2010-12-09 | 2016-02-23 | Location Labs, Inc. | Online-monitoring agent, system, and method for improved detection and monitoring of online accounts |
US9460299B2 (en) | 2010-12-09 | 2016-10-04 | Location Labs, Inc. | System and method for monitoring and reporting peer communications |
US20120158654A1 (en) | 2010-12-17 | 2012-06-21 | Google Inc. | Receipt storage in a digital wallet |
US8499348B1 (en) | 2010-12-28 | 2013-07-30 | Amazon Technologies, Inc. | Detection of and responses to network attacks |
US20120173417A1 (en) | 2010-12-29 | 2012-07-05 | Darlene Lohman | Methods and systems for biller-initiated reporting of payment transactions |
US8613086B2 (en) | 2011-01-31 | 2013-12-17 | Bank Of America Corporation | Ping and scan of computer systems |
US9003297B2 (en) | 2011-02-17 | 2015-04-07 | Mworks Worldwide, Inc. | Integrated enterprise software and social network system user interfaces utilizing cloud computing infrastructures and single secure portal access |
US20120215719A1 (en) | 2011-02-18 | 2012-08-23 | Dlv Capital Llc | Systems and Methods for Creating, Modeling, and Managing Investment Indexes Based Upon Intrinsic Values |
US8949981B1 (en) | 2011-02-28 | 2015-02-03 | Symantec Corporation | Techniques for providing protection against unsafe links on a social networking website |
JP5734037B2 (en) | 2011-03-15 | 2015-06-10 | キヤノン株式会社 | Information processing apparatus, control method thereof, and program |
US20120239497A1 (en) | 2011-03-17 | 2012-09-20 | Ebay Inc. | Method and process of using a social network to retarget a personal advertisement |
WO2012134927A1 (en) | 2011-03-25 | 2012-10-04 | LoanHD, Inc. | Loan management, real-time monitoring, analytics, and data refresh system and method |
US20120278217A1 (en) | 2011-03-30 | 2012-11-01 | Trans Union Llc | Systems and methods for improving prediction of future credit risk performances |
US9589266B2 (en) | 2011-04-01 | 2017-03-07 | Visa International Service Association | Restricted-use account payment administration apparatuses, methods and systems |
US20120262472A1 (en) | 2011-04-13 | 2012-10-18 | Honeywell International Inc. | Heatmap timeline for visualization of time series data |
US20130110565A1 (en) | 2011-04-25 | 2013-05-02 | Transparency Sciences, Llc | System, Method and Computer Program Product for Distributed User Activity Management |
US20120278227A1 (en) | 2011-04-26 | 2012-11-01 | Black Oak Partners, Llc | Systems and methods for using data metrics for credit score analysis |
US9202200B2 (en) | 2011-04-27 | 2015-12-01 | Credibility Corp. | Indices for credibility trending, monitoring, and lead generation |
WO2012150602A1 (en) | 2011-05-03 | 2012-11-08 | Yogesh Chunilal Rathod | A system and method for dynamically monitoring, recording, processing, attaching dynamic, contextual & accessible active links & presenting of physical or digital activities, actions, locations, logs, life stream, behavior & status |
US9477734B2 (en) | 2011-05-10 | 2016-10-25 | Microsoft Technology Licensing, Llc | Data synch notification using a notification gateway |
US9117074B2 (en) | 2011-05-18 | 2015-08-25 | Microsoft Technology Licensing, Llc | Detecting a compromised online user account |
US20120324388A1 (en) | 2011-06-17 | 2012-12-20 | Business Objects Software Limited | Pie chart graphical user interface |
US20130006844A1 (en) | 2011-06-29 | 2013-01-03 | Sociogramics, Inc. | Systems and methods for collateralizing loans |
US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
US8392230B2 (en) | 2011-07-15 | 2013-03-05 | Credibility Corp. | Automated omnipresent real-time credibility management system and methods |
US8473318B2 (en) | 2011-07-19 | 2013-06-25 | Bank Of America Corporation | Risk score determination |
US8560447B1 (en) | 2011-07-27 | 2013-10-15 | Intuit Inc. | Intelligent account selection for electronic bill payment |
US8825547B2 (en) | 2011-09-06 | 2014-09-02 | Mastercard International Incorporated | Apparatus, method, and computer program product for data cleansing and/or biller scrubbing |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US8818839B2 (en) | 2011-10-04 | 2014-08-26 | Reach Pros, Inc. | Online marketing, monitoring and control for merchants |
US20130103571A1 (en) * | 2011-10-06 | 2013-04-25 | CreditXpert Inc. | System and method for determination and reporting of credit use and impact on credit score |
US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US20130159411A1 (en) | 2011-11-02 | 2013-06-20 | Barbara Bowen | Data sharing and content delivery system |
US20130117072A1 (en) | 2011-11-04 | 2013-05-09 | Ryan Nish | System and method for measuring and displaying residential real estate and property values |
US20130117087A1 (en) | 2011-11-07 | 2013-05-09 | Apriva, Llc | System and method for authenticating electronic transaction instruments |
US8578036B1 (en) | 2011-11-14 | 2013-11-05 | Google Inc. | Providing standardized transparency for cookies and other website data using a server side description file |
KR101136696B1 (en) | 2011-12-02 | 2012-04-20 | 김상정 | Stock information providing method and system for displaying firm's life stage and determining the overvaluation/undervaluation of a stock |
US9135306B2 (en) | 2011-12-09 | 2015-09-15 | Tiversa Ip, Inc. | System for forensic analysis of search terms |
US20130173449A1 (en) | 2011-12-30 | 2013-07-04 | Trans Union, Llc | System and method for automated dispute resolution of credit data |
US20130173447A1 (en) | 2011-12-30 | 2013-07-04 | Walter J. Rothschild | Consumer-driven credit information control method, system and storage medium for storing a set of computer instructions which effectuate the method |
US9098942B2 (en) | 2012-01-25 | 2015-08-04 | Oracle International Corporation | Legend indicator for selecting an active graph series |
US8874909B2 (en) | 2012-02-03 | 2014-10-28 | Daniel Joseph Lutz | System and method of storing data |
US8751378B2 (en) | 2012-02-17 | 2014-06-10 | Fair Isaac Corporation | Strategic loan default scoring |
US9973269B2 (en) | 2012-03-09 | 2018-05-15 | San Diego State University Research Foundation | Electronic devices, systems, and methods for data exchange |
US20130262226A1 (en) | 2012-03-31 | 2013-10-03 | Trans Union Llc | Systems and methods for targeted internet marketing based on offline, online, and credit-related data |
JP5919995B2 (en) | 2012-04-19 | 2016-05-18 | 富士通株式会社 | Display device, display method, and display program |
US8869280B2 (en) | 2012-05-02 | 2014-10-21 | Yahoo! Inc. | Method and system for automatic detection of eavesdropping of an account based on identifiers and conditions |
US9953326B2 (en) | 2012-05-02 | 2018-04-24 | Jpmorgan Chase Bank, N.A. | Alert optimization system and method |
US8515828B1 (en) | 2012-05-29 | 2013-08-20 | Google Inc. | Providing product recommendations through keyword extraction from negative reviews |
US8572083B1 (en) | 2012-05-30 | 2013-10-29 | Ncino, Llc | Financial-service structured content manager |
US9621554B2 (en) | 2012-06-26 | 2017-04-11 | Cisco Technology, Inc. | Method for propagating access policies |
US20140019348A1 (en) | 2012-07-16 | 2014-01-16 | Rumblelogic, Inc. Dba Paytap | Trusted third party payment system |
US8892697B2 (en) | 2012-07-24 | 2014-11-18 | Dhana Systems Corp. | System and digital token for personal identity verification |
US20140032300A1 (en) | 2012-07-27 | 2014-01-30 | Collections Marketing Center, Inc. | Method and System for Debt Resolution Restricted Offer |
US8706599B1 (en) | 2012-08-24 | 2014-04-22 | Shareholder Representative Services, Llc | System and method of generating investment criteria for an investment vehicle that includes a pool of escrow deposits from a plurality of merger and acquisition transactions |
US10346906B2 (en) | 2013-03-06 | 2019-07-09 | Progrexion IP, Inc. | Credit repair user interface |
US20140089166A1 (en) | 2012-09-25 | 2014-03-27 | Progrexion IP, Inc. | Credit repair by analysis of trade line properties |
US20140089191A1 (en) | 2012-09-27 | 2014-03-27 | Nicholas Anthony Lindsay Brown | Secure Payment System and Method |
US9723272B2 (en) | 2012-10-05 | 2017-08-01 | Magna Electronics Inc. | Multi-camera image stitching calibration system |
US20150026060A1 (en) | 2012-11-01 | 2015-01-22 | Double Check Solutions, Llc | Financial Alert Management System Having A Mobile Interface |
US8856894B1 (en) | 2012-11-28 | 2014-10-07 | Consumerinfo.Com, Inc. | Always on authentication |
US20140156500A1 (en) | 2012-12-03 | 2014-06-05 | Experian Information Solutions, Inc. | Systems and methods for providing a customizable credit report |
US20140156501A1 (en) * | 2012-12-04 | 2014-06-05 | Mastercard International Incorporated | Real-time interactive credit score improvement coach |
US9525753B2 (en) | 2012-12-12 | 2016-12-20 | Netspective Communications Llc | Integration of devices through a social networking platform |
US20150134506A1 (en) | 2012-12-13 | 2015-05-14 | Creditera, LLC | Combined presentation of credit information |
US20140180919A1 (en) | 2012-12-20 | 2014-06-26 | Nicholas Anthony Lindsay Brown | Push Payment System and Method |
US9509804B2 (en) | 2012-12-21 | 2016-11-29 | Akami Technologies, Inc. | Scalable content delivery network request handling mechanism to support a request processing layer |
US20140258083A1 (en) | 2013-03-06 | 2014-09-11 | Venkat Achanta | Systems and methods for microfinance credit data processing and reporting |
US20140258089A1 (en) | 2013-03-11 | 2014-09-11 | Experian Information Solutions, Inc. | Estimated score stability system |
US8972400B1 (en) | 2013-03-11 | 2015-03-03 | Consumerinfo.Com, Inc. | Profile data management |
US20140279382A1 (en) | 2013-03-14 | 2014-09-18 | Fmr Llc | Credit Monitoring and Simulation Aggregation System |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US20140279391A1 (en) | 2013-03-15 | 2014-09-18 | Discover Financial Services Llc | Account manager user interface and guidance model |
US20140279329A1 (en) | 2013-03-15 | 2014-09-18 | Bernaldo Dancel | Debt extinguishment ranking model |
US9225704B1 (en) | 2013-06-13 | 2015-12-29 | Amazon Technologies, Inc. | Unified management of third-party accounts |
US20140379554A1 (en) | 2013-06-25 | 2014-12-25 | Bank Of America Corporation | Report Discrepancy Identification and Improvement |
US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
WO2015100413A1 (en) | 2013-12-25 | 2015-07-02 | Behalf Ltd. | A system and method for generating virtual credit score and credit line |
-
2014
- 2014-03-13 US US14/208,646 patent/US9870589B1/en active Active
-
2020
- 2020-04-17 US US16/852,285 patent/US20200402159A1/en not_active Abandoned
Cited By (22)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11379916B1 (en) | 2007-12-14 | 2022-07-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US11157872B2 (en) | 2008-06-26 | 2021-10-26 | Experian Marketing Solutions, Llc | Systems and methods for providing an integrated identifier |
US11769112B2 (en) | 2008-06-26 | 2023-09-26 | Experian Marketing Solutions, Llc | Systems and methods for providing an integrated identifier |
US11790112B1 (en) | 2011-09-16 | 2023-10-17 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US11200620B2 (en) | 2011-10-13 | 2021-12-14 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US11356430B1 (en) | 2012-05-07 | 2022-06-07 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US11863310B1 (en) | 2012-11-12 | 2024-01-02 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US11651426B1 (en) | 2012-11-30 | 2023-05-16 | Consumerlnfo.com, Inc. | Credit score goals and alerts systems and methods |
US11308551B1 (en) | 2012-11-30 | 2022-04-19 | Consumerinfo.Com, Inc. | Credit data analysis |
US11514519B1 (en) | 2013-03-14 | 2022-11-29 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US11769200B1 (en) | 2013-03-14 | 2023-09-26 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US11461364B1 (en) | 2013-11-20 | 2022-10-04 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
US11399029B2 (en) | 2018-09-05 | 2022-07-26 | Consumerinfo.Com, Inc. | Database platform for realtime updating of user data from third party sources |
US11265324B2 (en) | 2018-09-05 | 2022-03-01 | Consumerinfo.Com, Inc. | User permissions for access to secure data at third-party |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11842454B1 (en) | 2019-02-22 | 2023-12-12 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US20210049578A1 (en) * | 2019-08-15 | 2021-02-18 | Visa International Service Association | System, Method, and Computer Program Product for Tracking Data Associated with an Account to Determine a Score |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
US11475010B2 (en) | 2020-09-09 | 2022-10-18 | Self Financial, Inc. | Asynchronous database caching |
US11641665B2 (en) | 2020-09-09 | 2023-05-02 | Self Financial, Inc. | Resource utilization retrieval and modification |
US11630822B2 (en) | 2020-09-09 | 2023-04-18 | Self Financial, Inc. | Multiple devices for updating repositories |
Also Published As
Publication number | Publication date |
---|---|
US9870589B1 (en) | 2018-01-16 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20200402159A1 (en) | Credit utilization tracking and reporting | |
US11954089B2 (en) | Database system for triggering event notifications based on updates to database records | |
US11200620B2 (en) | Debt services candidate locator | |
US11651426B1 (en) | Credit score goals and alerts systems and methods | |
US20200364785A1 (en) | Presenting credit score information | |
US20210209696A1 (en) | Real-time analysis using a database to generate data for transmission to computing devices | |
US11481693B1 (en) | Integrated risk analysis management | |
US9710852B1 (en) | Credit report timeline user interface | |
US9661012B2 (en) | Systems and methods for identifying information related to payment card breaches | |
US8595101B1 (en) | Systems and methods for managing consumer accounts using data migration | |
US8355967B2 (en) | Personal finance integration system and method | |
US10460391B2 (en) | Historical transaction-based account monitoring | |
US11042930B1 (en) | Insufficient funds predictor | |
EP2803032A1 (en) | Systems and methods for microfinance credit data processing and reporting | |
US20140258089A1 (en) | Estimated score stability system | |
US20200104911A1 (en) | Dynamic monitoring and profiling of data exchanges within an enterprise environment | |
US20180025448A1 (en) | Real estate systems and methods for providing tract data | |
US20170017887A1 (en) | Methods and systems for detecting financial crimes in an enterprise | |
US11645712B2 (en) | Systems and methods for using machine learning techniques to predict institutional risks | |
US20190311427A1 (en) | Score Change Analyzer | |
US10600063B2 (en) | Real-time system to identify and analyze behavioral patterns to predict churn risk and increase retention | |
US20150127500A1 (en) | Determining financial account payment hierarchy for recovery of payment in arrears | |
CA3019195A1 (en) | Dynamic monitoring and profiling of data exchanges within an enterprise environment | |
US20150220860A1 (en) | Method and a system for optimal debt collection | |
WO2021072943A1 (en) | Financial data management method and apparatus, computer device and storage medium |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
STPP | Information on status: patent application and granting procedure in general |
Free format text: APPLICATION DISPATCHED FROM PREEXAM, NOT YET DOCKETED |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: DOCKETED NEW CASE - READY FOR EXAMINATION |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: NON FINAL ACTION MAILED |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: RESPONSE TO NON-FINAL OFFICE ACTION ENTERED AND FORWARDED TO EXAMINER |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |