Abstract: 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.

Abstract: The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score.

Abstract: 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.

Abstract: The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score.

Abstract: 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.

Abstract: Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Abstract: 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.

Abstract: Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit card grantor/issuer and/or a credit information entity (e.g., a credit bureau), in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account.

Abstract: This invention discloses a process involving automatic notification to interested individuals of current real estate values. The process consists of a monitoring service entity, external data source, and end-user. The disclosed embodiments include a process whereby parties can be directly notified of real estate values or alternatively may initiate contact with the monitoring entity to receive data.

Abstract: A method of registering a credit card user's credit card information by a credit card management organization. A card user accesses the card management computer system in a computer network. The method provides a user interface whereby the user grants authorization to the card management organization to obtain the card user's credit report from a credit reporting bureau. The method further transmits a request for the user's credit report to a credit reporting bureau and automatically downloads the user's credit report when received. The method further parses the credit report to determine a card issuer for each card on the credit report using a database of card issuer aliases. The method then fully or partially automatically registers each card with the user's account in the card management association and then presents the opportunity to the user to review and edit each card.

Abstract: Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Abstract: This invention discloses a process involving automatic notification to interested individuals of current real estate values. The process consists of a monitoring service entity, external data source, and end-user. The disclosed embodiments include a process whereby parties can be directly notified of real estate values or alternatively may initiate contact with the monitoring entity to receive data.

Abstract: Various embodiments of this invention are directed towards a system and method for gathering, processing, authenticating and distributing personal information. Various embodiments of the invention disclose a system and method for gathering personal information from a plurality of sources and making the information available for entities that wish to evaluate or screen the individual. Various embodiments of the invention allow the individual to selectively grant permission to the various evaluating entities on specific background information that is stored within the system. Various embodiments allow the individual to submit information and finance the collection of information, whereby the individual can check the information for accuracy and collect commissions based on the access of the information by requesting entities.

Abstract: Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Abstract: Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Abstract: Methods for obtaining credit life insurance for an individual via a service organization are provided. In one embodiment, the method includes the steps of: 1) registering the individual with the service organization via a computer system in a computer network; 2) accessing credit information on the individual via the computer system in the computer network and determining the total debt of the individual; 3) determining the amount of debt to be covered by credit life insurance benefits; 4) creating a data base including insurance companies that provide credit life insurance benefits, the data base further including the premiums that the insurance companies charge for issuing their credit life insurance; 5) selecting specific coverage with required specific premiums; 6) obtaining the individual's approval of the required specific premiums via the computer system in the computer network; and 7) obtaining credit life insurance benefits for the individual.

Abstract: The invention is a method of obtaining credit life insurance for an individual by means of a service organization. In detail, the steps include: 1) registering the individual with the service organization via a computer system in a computer network; 2) accessing credit information on the individual by means of the computer system in the computer network and determining the total debt of the individual; 3) determining the amount of debt to be covered by credit life insurance benefits; 4) creating a data base including insurance companies that provide credit life insurance benefits, the data base further including the premiums that the insurance companies charge for issuing their credit life insurance; 5) selecting specific coverage with required specific premiums; 6) obtaining the individual's approval of the required specific premiums via the computer system in the computer network; and 7) obtaining credit life insurance benefits for the individual.

Abstract: Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Abstract: Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit card grantor/issuer and/or a credit information entity (e.g., a credit bureau), in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account.

Abstract: Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit information entity, in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account.