Patents Assigned to ConsumerInfo.com, Inc.
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Patent number: 11978114Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.Type: GrantFiled: January 22, 2021Date of Patent: May 7, 2024Assignee: ConsumerInfo.com, Inc.Inventors: Tod DeBie, Michael Burger
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Patent number: 11954655Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.Type: GrantFiled: December 15, 2021Date of Patent: April 9, 2024Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 11924213Abstract: A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.Type: GrantFiled: January 18, 2022Date of Patent: March 5, 2024Assignee: ConsumerInfo.com, Inc.Inventors: Michelle Felice-Steele, Michele Raneri, Paul DeSaulniers, Joe Manna, Jeff Softley, Srikumar Puthupadi Kanthadai, Aga Dzhafar Hady Ogiu Dzhafarov, Pat Finneran, Donna Meryl Smith, Gregory Lennox Wright, Marizette Galvez, Ujjayan Banerjee, Ravi Devesetti, Shivakumar Ramanathan, Mukeshkumar G. Patel
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Patent number: 11893635Abstract: The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.Type: GrantFiled: December 20, 2021Date of Patent: February 6, 2024Assignee: ConsumerInfo.com, Inc.Inventors: Gregory Thomas Olson, Nelson Yu, Roman Bercot, Michelle Felice-Steele
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Patent number: 11863310Abstract: A system for aggregating a user's web browsing data which may include cookies placed on a user's computing device from various websites. The system receives authorization from a user to retrieve cookie and other data associated with the user. The system then accesses cookie data and personal data associated with the user. In some embodiments, the aggregation system communicates with websites that placed the cookie data on the user's computer to determine one or more characteristics of the user based on the cookie data (which may be understandable only by the placing website). The system may then provide the user's aggregated data or a portion thereof to requesting entities. The user may have access to a user interface which provides information about the user's aggregated data and allows the user to determine how much information to share with requesting entities.Type: GrantFiled: April 13, 2021Date of Patent: January 2, 2024Assignee: ConsumerInfo.com, Inc.Inventors: Mark Joseph Kapczynski, Michael John Dean
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Patent number: 11861691Abstract: A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.Type: GrantFiled: November 16, 2016Date of Patent: January 2, 2024Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Patent number: 11842454Abstract: The present disclosure describes systems and methods that apply artificial intelligence to augmented reality for enhanced user experience. A sensor, such as a camera, on a mobile phone can capture output data of a laptop computer or other computing device, such as a user interface. The captured image can be assessed by the mobile phone to determine an intent of a user and to display a three dimensional rendering, such as an avatar, on the mobile phone overlaid on top of the user interface of the laptop. The avatar can help navigate the user, such as pointing to areas of a webpage of interest, or inviting the user to scroll down on a webpage to a portion of the webpage that may not be in current view.Type: GrantFiled: December 15, 2021Date of Patent: December 12, 2023Assignee: ConsumerInfo.com, Inc.Inventors: James Minlou Lin, David Joseph Amador, Alexander James Kentfield, James Earl Griffin, Aga Dzhafar Hady Ogiu Dzhafarov, Mohan Kumar, Darrel Huntington, Bryan Marc Cimo
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Patent number: 11803929Abstract: A digital identity, which may include a user interface that may be displayed on a mobile computing device, may be generated to include information extracted from a physical identification card (e.g., driver license or passport), as well as information regarding validation of the physical identification card and of the consumer's identity. The digital identity may be used in place of the physical identification card.Type: GrantFiled: August 11, 2021Date of Patent: October 31, 2023Assignee: ConsumerInfo.com, Inc.Inventor: Mark Joseph Kapczynski
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Patent number: 11790112Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.Type: GrantFiled: July 1, 2021Date of Patent: October 17, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Mark Joseph Kapczynski
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Patent number: 11775979Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.Type: GrantFiled: February 18, 2022Date of Patent: October 3, 2023Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Patent number: 11769200Abstract: Systems and methods are provided for assessing an account takeover risk for one or more accounts of an individual. The account security procedures for each of a number of services with which the user has an account may be analyzed. Publicly accessible information regarding the user may also be collected and analyzed. The collected information and security procedures may be compared in order to determine one or more vulnerabilities to hostile account takeover of one or more of the analyzed accounts. An alert may be generated regarding a determined takeover risk, which may include suggested actions for remedying the risk.Type: GrantFiled: July 20, 2021Date of Patent: September 26, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Mark Joseph Kapczynski, Michael John Dean, Herbert Harris Hunt, III
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Patent number: 11665253Abstract: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.Type: GrantFiled: September 28, 2020Date of Patent: May 30, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Michael John Dean, Mark Joseph Kapczynski
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Patent number: 11631130Abstract: A card registry system is configured to automatically identify financial card information in one or more credit files associated with a consumer and populate a card registry account of the consumer with the identified financial card information. Once the financial card information has been obtained from the credit file(s), the card registry system may transmit cancellation and/or reissuance requests to the respective card issuers in the instance that one or more cards are compromised, so that the financial cards may be easily and efficiently cancelled and/or reissued at the request of the consumer.Type: GrantFiled: June 2, 2022Date of Patent: April 18, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Ty Taylor, Michael R. Balducci, Arlene E. Miranda, Laura Gelgand
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Patent number: 11620314Abstract: Consumers often desire to compare themselves to other individuals. Disclosed herein are systems and methods of generating and displaying comparison information to users so that they can determine if they are “keeping up with the Joneses.Type: GrantFiled: January 26, 2021Date of Patent: April 4, 2023Assignee: ConsumerInfo.com, Inc.Inventor: Mark Joseph Kapczynski
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Patent number: 11568348Abstract: A method for providing pre-data breach monitoring provides information to businesses that is useful to predict portions of the company data that may not be secured well enough and other risks associated with data breaches, such as employees that may not be trustworthy.Type: GrantFiled: May 6, 2021Date of Patent: January 31, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Michael John Dean, Mark Joseph Kapczynski
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Patent number: 11514519Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.Type: GrantFiled: January 15, 2021Date of Patent: November 29, 2022Assignee: ConsumerInfo.com, Inc.Inventor: Herbert Harris Hunt, III
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Patent number: 11461364Abstract: A computing system is configured to access a plurality of remote databases in order to identify data inconsistencies between the remote databases and provide user interfaces to a user in order to initiate communication via one or more APIs to certain remote databases indicating updates that reconcile said data inconsistencies.Type: GrantFiled: April 17, 2020Date of Patent: October 4, 2022Assignee: ConsumerInfo.com, Inc.Inventors: Mike Charyk, Nelson Yu
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Patent number: 11410230Abstract: The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.Type: GrantFiled: November 16, 2016Date of Patent: August 9, 2022Assignee: ConsumerInfo.com, Inc.Inventors: Gregory Thomas Olson, Nelson Yu, Roman Bercot, Michelle Felice-Steele
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Patent number: 11399029Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.Type: GrantFiled: November 24, 2020Date of Patent: July 26, 2022Assignee: ConsumerInfo.com, Inc.Inventors: Joe Manna, Michelle Felice-Steele, Michele Raneri, Paul DeSaulniers, Jeff Softley, Srikumar Puthupadi Kanthadai, Aga Dzhafar Hady Ogiu Dzhafarov, Pat Finneran, Donna Meryl Smith, Gregory Lennox Wright, Marizette Galvez, Ujjayan Banerjee, Ravi Devesetti, Shivakumar Ramanathan, Mukeshkumar G. Patel
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Patent number: 11379916Abstract: A card registry system is configured to automatically identify financial card information in one or more credit files associated with a consumer and populate a card registry account of the consumer with the identified financial card information. Once the financial card information has been obtained from the credit file(s), the card registry system may transmit cancellation and/or reissuance requests to the respective card issuers in the instance that one or more cards are compromised, so that the financial cards may be easily and efficiently cancelled and/or reissued at the request of the consumer.Type: GrantFiled: November 23, 2020Date of Patent: July 5, 2022Assignee: ConsumerInfo.com, Inc.Inventors: Ty Taylor, Michael R. Balducci, Arlene E. Miranda, Laura Gelgand