Trans Union LLC Patent applications |
Patent application number | Title | Published |
20140223581 | IDENTITY VERIFICATION SYSTEMS AND METHODS - Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An exam creation function causes the server to create an exam comprising at least one question based at least in part on a portion of the confidential data relating to the user. This function creates the exam based on at least one exam definition. An exam administration function causes the server to transmit the exam to the client interface for presentation to the user. The user is granted access to the confidential data subsequent to determination that the user successfully passed the exam. | 08-07-2014 |
20140143236 | SYSTEM AND METHOD FOR CONTEXTUAL AND FREE FORMAT MATCHING OF ADDRESSES - A system and method for the matching addresses is provided. Addresses may be received from a search engine or other source for purposes of matching. Address parts in the addresses may be contextually identified. Identified address parts, including their associated data, that have address part types that are alike may be compared to one another and a contextual matching score may be calculated and assigned. A free format token analysis of the addresses may also be performed in parallel with, before, or after, the contextual identification, and a free format matching score may be calculated. An address likeness score may be calculated and assigned based on the contextual matching score and the free format matching score. | 05-22-2014 |
20130311448 | SYSTEM AND METHOD FOR CONTEXTUAL AND FREE FORMAT MATCHING OF ADDRESSES - A system and method for the matching addresses is provided. Addresses may be received from a search engine or other source for purposes of matching. Address parts in the addresses may be contextually identified. Identified address parts, including their associated data, that have address part types that are alike may be compared to one another and a contextual matching score may be calculated and assigned. A free format token analysis of the addresses may also be performed in parallel with, before, or after, the contextual identification, and a free format matching score may be calculated. An address likeness score may be calculated and assigned based on the contextual matching score and the free format matching score. | 11-21-2013 |
20130290167 | SYSTEM AND METHOD FOR CREDIT RISK MANAGEMENT FOR EDUCATIONAL INSTITUTIONS - A system and method for collecting, analyzing, assessing, and managing financial data of prospective, enrolled, and former students of an educational institution is provided. Student data and credit data corresponding to the students may be analyzed to create a compliance profile. Loan default likelihood factors may be determined based on the compliance profile. The students may be segmented into sub-populations based on the factors, the student data, and the credit data, and a risk baseline including risk criteria may be determined based on the segmentation. Prospective student leads may be screened for their repayment ability risk by utilizing the risk criteria to assist the educational institution in making financial aid and admissions decisions. A student loan portfolio may be assessed based on the risk criteria and credit data to identify at-risk accounts and to prioritize collections activities for past due accounts. | 10-31-2013 |
20130262226 | SYSTEMS AND METHODS FOR TARGETED INTERNET MARKETING BASED ON OFFLINE, ONLINE, AND CREDIT-RELATED DATA - Systems and methods are disclosed for matching of offline data with online data by comparing the offline data with online data using credit-related data. The systems and methods receive offline data and online data and retrieve credit-related data with identifying information for targeted individuals. The offline data records and online data records are independently compared to the credit-related data to determine whether the data records correspond to a matching targeted individual. If both an offline data record and an online data record correspond to a matching targeted individual, then a key is generated that links the offline data record and the online data record. The key may be stored in a key database. The key may be utilized for targeted marketing to the matching targeted individual. The matching of offline data and online data may be more accurate and complete. | 10-03-2013 |
20130173449 | SYSTEM AND METHOD FOR AUTOMATED DISPUTE RESOLUTION OF CREDIT DATA - A system and method for automated dispute resolution of credit data is provided. A consumer may receive a credit report from a credit bureau through a third party system. The consumer may submit a dispute including disputed credit data and corrections to the disputed credit data, if there is believed to be erroneous information in the credit report. An applicable member institution that supplied the disputed credit data may accept or reject the dispute. If the dispute is accepted, the current version of the disputed credit data may be retrieved and compared to the submitted disputed credit data. If the current and submitted versions of the disputed credit data match, then the disputed credit data may be updated with the corrections. | 07-04-2013 |
20130103653 | SYSTEM AND METHOD FOR OPTIMIZING THE LOADING OF DATA SUBMISSIONS - A system and method for detecting changes in data records based on summary values calculated on input data and existing data in a database is provided. An input data record including indicative data and financial data may be received. The indicative data may be normalized. A summary value may be calculated based on the normalized data to determine if any differences between the input record and existing data exist. If an existing summary value corresponding to the input record does not exist, the calculated summary value and financial data may be stored. If an existing summary value corresponding to the input record exists, the calculated summary value and the existing summary value may be compared to determine if they are equivalent. The calculated summary value and financial data may be stored if the summary values are not equivalent. The financial data may be stored if the summary values are equivalent. | 04-25-2013 |
20130097157 | SYSTEM AND METHOD FOR MATCHING OF DATABASE RECORDS BASED ON SIMILARITIES TO SEARCH QUERIES - A system and method for the matching of database records based on the similarity between fields in the database records and fields in the search queries is provided. A set of database records may be received from a search engine for further refinement of the search results. The database records may be assigned matching strength points, based on comparisons of fields in the search query and fields in the database records. The records that do not meet predetermined qualifying criteria, based on the matching strength points, may be rejected. The remaining records may be merged together, based on the similarity between fields of the remaining records. | 04-18-2013 |
20130097134 | SYSTEM AND METHOD FOR SUBJECT IDENTIFICATION FROM FREE FORMAT DATA SOURCES - A system and method for indexing and searching a free format data source is provided. Indexing the free format data source includes normalizing data from the free format data source and creating a master index based on the normalized data. The master index may be updated through synchronization with the free format data source when a change in the data occurs. A search query may be executed against the master index and/or one or more child indexes to search for records. The search query may be normalized and transformed before being executed. The master index may be replicated into the one or more child indexes for scaling and load balancing purposes. Searches may be performed by search agents in parallel at the master index and/or the child indexes. | 04-18-2013 |
20130073321 | SYSTEMS AND METHODS FOR GENERATING VEHICLE INSURANCE PREMIUM QUOTES BASED ON A VEHICLE HISTORY - A method is provided for generating an insurance premium quote for a consumer seeking insurance coverage for a vehicle. The method determines a vehicle score indicative of a likelihood of a future auto insurance claim for the vehicle, wherein the vehicle score is based on both VIN based data and historical data of the vehicle. The method determines an insurance score for the consumer, based on at least one of a credit score, a driving record and a claim record. The method further generates the insurance premium quote based on the determined vehicle score and the insurance score. | 03-21-2013 |
20120278217 | SYSTEMS AND METHODS FOR IMPROVING PREDICTION OF FUTURE CREDIT RISK PERFORMANCES - Systems and methods are provided for improving prediction of credit risk performances of a plurality of consumers, each consumer having a standard credit data file and score. According to a particular aspect, a method determines changes in credit data files of the plurality of consumers during a predetermined period of time, and combines change data with standard credit data. The method determines a set of credit elements that are predictive of credit risk performances of the plurality of customers by processing the combined change data and standard credit data, and identifies an incremental risk value for each of the plurality of consumers by supplementing the corresponding credit data file with the predictive set of credit elements. The method further generates a flag indicative of the identified incremental risk value for each of the plurality of consumers. | 11-01-2012 |
20120278108 | SYSTEMS AND METHODS FOR IMPROVING ACCURACY OF INSURANCE QUOTES - A method for improving the accuracy of a quote generated by an insurance business to a consumer for an insurance product is provided. The method determines personal identifying data of the consumer, matches the determined identifying data with one of the personal identifiers listed in an index file. The method identifies a plurality of insurance claims associated with the matched personal identifier, determines which of the identified insurance claims are chargeable based on a claim criteria provided by the insurance business, and returns a claim score to the insurance business indicative of a number of claims determined to be chargeable. The method further identifies a plurality of personal injury insurance claims associated with the matched personal identifier, determines which of the identified personal injury insurance claims are pertinent based on claim criteria provided by the insurance business, and returns an alert to the insurance business identifying pertinent personal injury claims. | 11-01-2012 |
20100030649 | METHOD AND SYSTEM FOR BATCH EXECUTION OF VARIABLE INPUT DATA - This invention relates generally to methods and systems for batch execution of variable input data, and more particularly to methods and systems for delivering enhanced event-based marketing products to customers using an open systems approach whereby non-developers may enter and/or select various input and output criteria in a GUI environment for batch processing. | 02-04-2010 |
20090106141 | Systems and Methods for Minimizing Effects of Authorized User Credit Tradelines - Systems and methods for identifying, evaluating, and accounting for effects of authorized user trade lines are disclosed. The systems and methods incorporate use of credit characteristics that describe the nature of authorized user trade lines on a credit file or across credit files, and the influence of those authorized user relationships relative to the non-authorized user trade lines on the credit file in the evaluation of credit risk. Systems and methods incorporating these credit characteristics can be used in identifying any bias in perceived credit risk, in the evaluation of credit risk, or other credit-related evaluation. | 04-23-2009 |