Patents Assigned to ConsumerInfo.com, Inc.
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Patent number: 10115079Abstract: 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: April 26, 2017Date of Patent: October 30, 2018Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 10102570Abstract: 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: March 14, 2013Date of Patent: October 16, 2018Assignee: ConsumerInfo.com, Inc.Inventors: Mark Joseph Kapczynski, Michael John Dean, Herbert Harris Hunt, III
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Patent number: 10061936Abstract: 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: December 27, 2016Date of Patent: August 28, 2018Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Mark Joseph Kapczynski
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Patent number: 10043214Abstract: 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: June 1, 2017Date of Patent: August 7, 2018Assignee: CONSUMERINFO.COM, INC.Inventor: Herbert Harris Hunt, III
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Patent number: 10025842Abstract: 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: October 17, 2016Date of Patent: July 17, 2018Assignee: CONSUMERINFO.COM, INC.Inventors: Mike Charyk, Nelson Yu
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Patent number: 10019508Abstract: 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 5, 2017Date of Patent: July 10, 2018Assignee: ConsumerInfo.com, Inc.Inventor: Mark Joseph Kapczynski
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Patent number: 9990674Abstract: 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: July 19, 2017Date of Patent: June 5, 2018Assignee: CONSUMERINFO.COM, INC.Inventors: Ty Taylor, Michael R. Balducci, Arlene E. Miranda, Laura Gelgand
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Patent number: 9972048Abstract: Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.Type: GrantFiled: December 16, 2016Date of Patent: May 15, 2018Assignee: CONSUMERINFO.COM, INC.Inventors: Michael John Dean, Mark Joseph Kapczynski
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Patent number: 9916621Abstract: A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.Type: GrantFiled: March 12, 2013Date of Patent: March 13, 2018Assignee: CONSUMERINFO.COM, INC.Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
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Patent number: 9892457Abstract: A credit report system is disclosed which may provide credit data to a consumer in the consumer's search results or at other times when credit data may be useful to a consumer. Searches relevant to credit data may be determined based on the search terms entered, or based on the results of the search. Credit data may be provided if the consumer accesses webpages relevant to credit reports or credit scores. The credit report system may also authenticate the consumer's identity before providing credit data to the consumer. Credit data may include the consumer's credit score as well as other information such as credit report data that may be useful to a consumer.Type: GrantFiled: April 16, 2014Date of Patent: February 13, 2018Assignee: Consumerinfo.com, Inc.Inventor: Mark Joseph Kapczynski
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Patent number: 9870589Abstract: 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.Type: GrantFiled: March 13, 2014Date of Patent: January 16, 2018Assignee: Consumerinfo.com, Inc.Inventors: Karl Arnold, Herbert Harris Hunt, III
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Patent number: 9853959Abstract: An electronic personal data locker system is described in which personal data is stored, organized, accessed, and/or maintained, among others activities. In an embodiment, the personal data locker system comprises multiple personal data lockers that each store different types of personal information and/or data of a user. The personal data lockers are established by the system and may be integrated with mobile computing devices. The system may enable the sharing of the gathered data with third parties and/or may enable the user to set preferences for what data is to be shared with various third parties. The system may further provide convenience in providing personal data to third parties via a standard application programming interface (API). The system may also enable the finding and/or calculating of user-related insights based on the gathered data through correlation, aggregation, and/or analysis of the user's personal data.Type: GrantFiled: March 11, 2013Date of Patent: December 26, 2017Assignee: CONSUMERINFO.COM, INC.Inventors: Mark Joseph Kapczynski, Michael John Dean
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Patent number: 9830646Abstract: Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.Type: GrantFiled: March 14, 2013Date of Patent: November 28, 2017Assignee: CONSUMERINFO.COM, INC.Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
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Patent number: 9767513Abstract: 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: December 28, 2016Date of Patent: September 19, 2017Assignee: ConsumerInfo.com, Inc.Inventors: Ty Taylor, Michael R. Balducci, Arlene E. Miranda, Laura Gelgand
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Patent number: 9721147Abstract: 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: May 13, 2014Date of Patent: August 1, 2017Assignee: CONSUMERINFO.COM, INC.Inventor: Mark Joseph Kapczynski
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Patent number: 9710852Abstract: A credit report user interface is provided that may comprise a credit event timeline to view events associated with various accounts associated with a consumer. Credit events may be determined by accessing and analyzing a consumer's credit report from one or more of the national credit bureaus. In some embodiments the consumer can see credit events associated with all of the consumer's accounts or only from a limited number of the consumer's accounts. The consumer may also be able to search credit events, sort credit events, view the impact of credit events on one or more of the consumer's credit scores, and view predicted future credit events.Type: GrantFiled: April 22, 2014Date of Patent: July 18, 2017Assignee: ConsumerInfo.com, Inc.Inventors: Gregory Thomas Olson, Vijay Prakash Sivaji, Nelson Yu, Ralph Keith Monteath
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Patent number: 9697568Abstract: 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: June 28, 2016Date of Patent: July 4, 2017Assignee: CONSUMERINFO.COM, INC.Inventor: Herbert Harris Hunt, III
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Patent number: 9665854Abstract: 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: June 15, 2012Date of Patent: May 30, 2017Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 9654541Abstract: 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: November 11, 2013Date of Patent: May 16, 2017Assignee: ConsumerInfo.com, Inc.Inventors: Mark Joseph Kapczynski, Michael John Dean
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Patent number: 9652802Abstract: Methods and systems of monitoring and reporting of changes to a user's credit data are provided. One embodiment includes providing a service, hosted by a data server, that allows the user to access the service via a communication terminal. The service may also request enrollment data, including identity verification data, from the user. Further, the service may periodically access and monitor the user's credit data for a change in the user's credit data via a connection between the data server and a credit bureau even if the data server has not received sufficient identity verification data from the user. Additionally, the service may determine whether a change detected in the user's credit data is a significant event. When an event or a significant event in the user's credit data is detected, the service may alert the user of the fact that an event has occurred even if the data server has not received sufficient identity verification data from the user.Type: GrantFiled: March 23, 2011Date of Patent: May 16, 2017Assignee: CONSUMERINFO.COM, INC.Inventor: Sheldon Kasower