US Pat. No. 9,536,263

DEBT SERVICES CANDIDATE LOCATOR

ConsumerInfo.com, Inc., ...

1. A computerized method of determining a user's debt services options, comprising:
requesting, by a computing system having one or more computer processors, from a remote credit reporting system storing credit
data attributes for a plurality of users, a first plurality of credit data attributes of a first user;

applying a debt score algorithm, by the computing system to the first plurality of credit data attributes of the first user
obtained from the remote credit reporting system to calculate a debt score of the first user,

wherein the first plurality of credit data attributes used by the debt score algorithm in generating the debt score of the
first user include at least:

a credit score ranking of the first user with reference to a plurality of other users;
a credit score of the first user; and
a quantity of delinquent accounts of the first user;
accessing a data structure storing at least a first threshold associated with a first debt service and a second threshold,
lower than the first threshold, associated with a second debt service;

comparing the calculated debt score of the first user to the first threshold;
in response to determining that the calculated debt score is less than the first threshold, including the first debt service
in a set of potentially available debt services;

comparing the calculated debt score of the first user to the second threshold;
in response to determining that the calculated debt score is less than the second threshold, including the second debt service
in the set of potentially available debt services;

generating, by the computing system, user interface data configured for rendering on a user computing device of the first
user to display a user interface on a display of the user computing device, the user interface indicating at least:

the calculated debt score;
the set of potentially available debt services; and
an interactive user interface controls configured to receive input from the user via the user computing device indicating
an adjustment to a first credit data attribute of the first plurality of credit data attributes, the interactive user interface
control comprising a slider configured for movement in two directions along a slider axis;

in response to movement of the slider by the user,
determining, based on the first credit data attribute and a location of the slider on the slider axis, a hypothetical first
credit data attribute;

applying the debt score algorithm to the first plurality of credit data attributes with the first credit data attribute replaced
with the hypothetical first credit data attribute to calculate a hypothetical debt score of the first user;

comparing the calculated hypothetical debt score of the first user to the first threshold;
in response to determining that the calculated hypothetical debt score is less than the first threshold, including the first
debt service in a second set of potentially available debt services;

comparing the calculated hypothetical debt score of the first user to the second threshold;
in response to determining that the calculated hypothetical debt score is less than the second threshold, including the second
debt service in the second set of potentially available debt services; and

updating the user interface to indicate at least:
the calculated hypothetical debt score; and
the second set of potentially available debt services.

US Pat. No. 9,106,691

SYSTEMS AND METHODS OF IDENTITY PROTECTION AND MANAGEMENT

CONSUMERINFO.COM, INC., ...

1. A method of monitoring and handling potential identity theft threats, the method being performed by a monitoring computer
having one or more computer processors, the method comprising:
receiving a request, by the monitoring computer, from a user to monitor a third party account of the user with an online service
provider, the request including personal information associated with the user and a plurality of user preferences, each user
preference specifying one or more protective actions to be taken in response to detection, by the monitoring computer, of
a change or attempted change to personal information associated with the account;

periodically monitoring the third party account of the user for indications of changes or attempted changes to personal information
associated with the account;

detecting a change or attempted change to personal information associated with the account;
determining a risk level associated with the detected change or attempted change to personal information associated with the
account;

identifying, from the user preferences, a user preference associated with the determined risk level;
transmitting, via a communication channel, a notification to the user, wherein the communication channel is specified by the
user preference; and

initiating one or more protective actions included in the identified user preference.

US Pat. No. 9,558,519

EXPOSING REPORTING CYCLE INFORMATION

ConsumerInfo.com, Inc., ...

1. A method for providing alert information to a user relating to risk of identity theft of the user in connection with credit
data of the user, the method comprising:
by a computer system comprising:
a plurality of lender computing devices each representing a lender that reports credit information about respective users
on a periodic basis;

a credit data warehouse comprising millions of credit files relating to a corresponding millions of users;
a plurality of wireless computing devices, each device associated with a user who has at least one account with at least one
of the lenders that report the credit information to the credit datda warehouse;

a central computing device comprising:
an acquisition module that
receives credit information from the plurality of lender computing devices, and for each of the plurality of users, determines
one or more accounts associated with the user base on credit data associated with the user in the credit data warehouse;

an analysis module that, for each of a plurality of users,
determines reporting dates on which respective lenders with which the user has an account provide credit information to the
credit data warehouse; and

determines estimated next reporting dates for respective accounts associated with the user, wherein the next reporting dates
are determined based on the determined reporting dates associated with respective accounts;

a presentation module that, for each of the plurality of users,
generates an alert based on at least one of the estimated next reporting dates, wherein the alert comprises the estimated
next reporting date,

 an identifier of the corresponding account, and
 a link to additional information relating to the estimated next reporting date; and
 transmits the alert over a wireless communication channel to a wireless computing device associated with the user, wherein
the alert activates an application on the wireless computing device to cause the alert to display, and wherein the alert enables
connection to the computer system over the Internet.

US Pat. No. 9,400,589

CIRCULAR ROTATIONAL INTERFACE FOR DISPLAY OF CONSUMER CREDIT INFORMATION

CONSUMERINFO.COM, INC., ...

1. A non-transitory computer-readable medium comprising instructions configured to cause one or more computer processors to
perform operations comprising:
receiving credit score user interface data, wherein the credit score user interface data comprises at least:
a consumer's credit score based on a credit score algorithm; and
a consumer's summary credit information associated with respective categories of credit information used in calculation of
the consumer's credit score;

generating a user interface configured for display on a touch sensitive computing device, the user interface including:
a plurality of sections of a circular visual computer interface, wherein each section of the plurality of sections is associated
with a category of credit information and each section of the plurality of sections is a predetermined size according to the
associated category's weighting within the credit score algorithm; and

a visual section indicator that indicates one of the plurality of sections as selected within the circular visual computer
interface;

accessing the credit summary information associated with a selected category of credit information, wherein the selected category
comprises credit usage, age of accounts, types of accounts, payment history, or inquiries,

and wherein the user interface is configured to depict the circular visual computer interface rotating in response to a dragged
touch input on the displayed circular visual computer interface, wherein the rotation causes the visual section indicator
to indicate a particular section as selected by the circular visual computer interface; and

displaying at least a portion of the consumer's credit summary information for the selected category of credit information
associated with a selected section of the circular visual computer interface that is indicated as selected by the visual section
indicator.

US Pat. No. 9,406,085

SYSTEM AND METHODS FOR CREDIT DISPUTE PROCESSING, RESOLUTION, AND REPORTING

CONSUMERINFO.COM, INC., ...

1. A credit dispute resolution computer system comprising:
a credit dispute resolution computing system comprising:
one or more computer processors; and
a tangible storage device storing credit dispute resolution software configured for execution by the one or more computer
processors; and

a user computing device configured to execute user device software allowing the user to provide information that is transmitted
to the credit dispute resolution computing system and to receive and render information from the dispute resolution computing
system;

wherein the credit dispute resolution computing system is configured to:
receive a credit dispute request from a user via the user computing device, the credit dispute request indicating at least
a first creditor and received on a particular date;

transmit at least a portion of the credit dispute request to one or more credit bureau computing systems;
access historical data regarding a plurality of credit disputes with the first creditor submitted by a corresponding plurality
of other users;

determine, based on the historical data, a plurality of response times corresponding to the plurality of credit disputes with
the first creditor, wherein each of the response times indicates respective time periods from the first creditor receiving
the credit dispute until the first creditor responded to the credit dispute;

calculate an average response time associated with the first creditor based on the determined plurality of response times;
calculate a probability that the first creditor will respond to the credit dispute request within the calculated average response
time;

determine an elapsed time period as a difference between the particular date and a date the first creditor acknowledged receipt
of the credit dispute request;

generate user interface data configured for rendering on the user computing device in order to display:
a plurality of visual indicators each associated with a corresponding one of a plurality of statuses associated with the credit
dispute request, wherein the plurality of statuses include at least:

credit dispute request received;
credit dispute request sent to credit bureau;
credit dispute request acknowledged by creditor; and
creditor provides response to credit dispute request;
a current status indicator positioned to identify a current status of the credit dispute request, wherein the current status
is selected from one of the plurality of statuses;

the calculated average response time associated with the first creditor;
the calculated probability that the first creditor will respond to the credit dispute request within the calculated average
response time;

the determined elapsed time period;
a regulatory response time period for the first creditor to respond to the credit dispute request; and
a visual indication of whether the determined elapsed time period is larger than the calculated average response time;
generate a first alert including an indication of the current status and a first selectable link which indicates an address
of the credit dispute resolution system; and

transmit, over a wireless communication channel, the first alert to the user computing device,
wherein the first alert is configured to activate a software application of the user computing device to cause the indication
of the current status to display on the user computing device and to enable connection via the first selectable link to the
credit dispute resolution computing system over the wireless communication channel to request, receive, and render the user
interface data on a display of the user computing device;

wherein the user computing device is configured to:
in response to selection of the first selectable link:
request, based on the address, the user interface data from the credit dispute resolution computing system;
receive the user interface data from the credit dispute resolution computing system; and
render the user interface data on a display of the user computing device;
wherein the credit dispute resolution computing system is further configured to:
receive additional information associated with the credit dispute;
determine whether the additional information indicates a change of status of the credit dispute request;
in response to determining that the additional information indicates a change of status of the credit dispute request:
determine an updated status of the credit dispute request that is different than the current status;
update the user interface data so that the current status indicator is positioned to identify the determined updated status;
generate a second alert including an indication of the determined updated status and a second selectable link which indicates
the address of the credit dispute resolution system; and

transmit, over the wireless communication channel, the second alert to the user computing device,
wherein the second alert is configured to activate the software application of the user computing device to cause the indication
of the determined updated status to display on the user computing device and to enable connection via the second selectable
link to the credit dispute resolution computing system over the wireless communication channel to request, receive, and render
the updated user interface data on the display of the user computing device; and

wherein the user computing device is further configured to:
in response to selection of the second selectable link:
request, based on the address, the updated user interface data from the credit dispute resolution computing system;
receive the updated user interface data from the credit dispute resolution computing system; and
render the updated user interface data on a display of the user computing device.

US Pat. No. 9,569,797

SYSTEMS AND METHODS OF PRESENTING SIMULATED CREDIT SCORE INFORMATION

CONSUMERINFO.COM, INC., ...

1. A method of automatically calculating credit score simulation information associated with a user in a networked computing
system, the networked computing system comprising:
a credit data warehouse comprising a plurality of credit files having credit parameters associated with a corresponding plurality
of users;

a plurality of user computing devices associated with corresponding of the plurality of users, the user computing devices
each capable of requesting credit score simulation information,

a credit simulator server, executing computer instructions including a plurality of modules including at least:
a credit score calculator module comprising a credit score calculation algorithm that generates a credit score based on a
plurality of input parameters such that the credit score calculation algorithm is executable on a plurality of sets of input
parameters in order to output a corresponding plurality of corresponding credit scores;

a credit score simulation module comprising a predefined plurality of credit score simulation scenarios for application to
credit information of each of a plurality of users, wherein the predefined plurality of credit score simulation scenarios
are the same for each of the plurality of users, independent of different credit information of respective users, wherein
each of the credit score simulation scenarios indicates at least:

a parameter of the credit score calculation algorithm;
a parameter adjustment rule indicating a mathematical effect of changes in the parameter to credit scores; and
a textual description of the credit score simulation scenario;
wherein the predefined plurality of credit score simulation scenarios include at least:
a first predefined credit score simulation scenario associated with a timely payment parameter of the credit score calculation
algorithm and first parameter adjustment rules indicating a first mathematical effect of changes in timely payment activities
on credit scores calculated by the credit score calculation algorithm;

a second predefined credit score simulation scenario associated with a credit card offer acceptance parameter of the credit
score calculation algorithm and second parameter adjustment rules indicating a second mathematical effect of acceptance of
credit card offers on credit scores calculated by the credit score calculation algorithm;

at least third, fourth, and fifth predefined credit score simulation scenarios each associated with different parameter adjustment
rules indicating impact of adjustments to a corresponding parameter on credit scores calculated by the credit score calculation
algorithm;

the credit score simulation module:
accesses, from the credit data warehouse, credit information relating to a first user of the plurality of users, the credit
information including a plurality of credit parameters specific to the first user;

calculates, a current credit score of the first user by evaluating the credit score calculation algorithm based least on the
plurality of credit parameters specific to the user accessed form the credit data warehouse;

for each of the predefined plurality of credit score simulation scenarios, including the first, second, third, fourth, and
fifth predefined credit score simulation scenarios:

based on the parameter adjustment rule associated with the respective credit score simulation scenario, determines one or
more credit parameters specific to the first user to modify prior to calculating a scenario credit score for the predefined
credit score simulation scenario;

for each of the determined one or more credit parameters to modify, generates a scenario credit parameter; and
calculates a scenario credit score using the credit score calculation algorithm based at least on the one or more generated
scenario credit parameters;

wherein at least a first scenario credit score, a second scenario credit score, a third scenario credit score, a fourth scenario
credit score, and a fifth scenario credit score are calculated based on respective scenario credit parameters;

a report generation module that:
constructs user interface data configured for execution by a first user computing device to:
display on a display of the first user computing device a user interface including:
a listing of at least a portion of each of the textual descriptions of the predefined plurality of credit score simulation
scenarios, and

for each predefined plurality of credit score simulation scenarios, the corresponding calculated scenario credit score,
a first graphical differentiation of a first one or more of the calculated scenario credit scores that are greater than the
calculated current credit score of the user,

a second graphical differentiation of a second one or more of the calculated scenario credit scores that are less than the
calculated current credit score of the user, and

interactive user interface controls in spatial relation to respective predefined credit score simulation scenarios, the user
interface controls configured to initiate updates to the user interface to show or hide expanded scenario information for
the corresponding predefined credit score simulation scenario;

transmits the user interface data to the first user computing device;
wherein the first user computing device:
receives the user interface data;
executes the user interface data in order to display the user interface on the display of the first user computing device;
in response to receiving selection of a first user interface control associated with the first predefined credit score simulation
scenario of the displayed user interface, determine whether the first expanded scenario information is cached on the first
user computing device; and

in response to determining that the first expanded scenario information is not cached on the first user computing device,
transmitting a request to the credit simulation server for first expanded scenario information corresponding to the first
predefined credit score simulation scenario;

wherein the credit simulation server is further configured to, in response to receiving the request for the first expanded
scenario information from the first user computing device:

determine the first expanded scenario information by:
calculating a first simulated future scenario credit score associated with a first future time period;
calculating a second simulated future scenario credit score associated with a second future time period;
transmitting updated user interface data to the first user computing device, the updated user interface data including an
expanded information pane to be positioned below the first predefined credit score simulation scenario, the expanded information
pane indicating:

the first future time period and the associated first simulated future scenario credit score of the user indicating a first
hypothetical future credit score of the first user after the first future time period in response to timely payments made
by the user during the first future time period;

the second future time period and the associated second simulated future scenario credit score user indicating a second hypothetical
future credit score of the first user after the second future time period in response to timely payments made by the user
during the second future time period; and

transmit the updated user interface data to the first user computing device; or
in response to determining that the first expanded scenario information is cached on the first user computing device,
updating the user interface data to include an expanded information pane below the first predefined credit score simulation
scenario, the expanding information pane indicating:

the first future time period and the associated first simulated future scenario credit score of the user indicating a first
hypothetical future credit score of the first user after the first future time period in response to timely payments made
by the user during the first future time period;

the second future time period and the associated second simulated future scenario credit score user indicating a second hypothetical
future credit score of the first user after the second future time period in response to timely payments made by the user
during the second future time period; and

render the updated user interface data on the display of the first user computing device.

US Pat. No. 9,483,606

LIFESCORE

CONSUMERINFO.COM, INC., ...

1. A system for determining a life score for a user, the system comprising:
a data store configured to store information associated with a user
a computing device in communication with the data store, the computing device configured to:
receive, from the user, an indication of a life goal of the user;
determine, based on the received life goal, a first aspect of a life of the user associated with the life goal and a second
aspect of the user's life also associated with the life goal, wherein the first and second aspects are different and are selected
from: work, family, hobbies, education, finance, health, automobile, credit, location, news, or social;

based on the determined first aspect, determine a first subset of information on which a first aspect score is based;
based on the determined second aspect, determine a second subset of information on which a second aspect score is based;
access the first subset of information a first one or more remote computing systems;
access the second subset of information from a second one or more remote computing systems;
update the data store with the accessed first and second subsets of information;
determine, based on the life goal, a first weighting for the first aspect in calculating a life score of the user;
determine, based on the life goal, a second weighting for the second aspect in calculating the life score of the user, wherein
the first and second weightings are different and are not dependent on the accessed first and second subsets of information;

determine the first aspect score based on at least the first subset of information;
determine the second aspect score based on at least the second subset of information;
evaluate a life score algorithm based on at least:
the first aspect score and the determined first weighting; and
the second aspect score and the determined second weighting;
wherein the life score algorithm generates the life score of the user;
apply one or more offer rules to at least some of the information associated with the user; and
in response to determining that the one or more offer rules are matched by the at least some of the information associated
with the user, initiate transmission of an offer notification to an offer provider provide the generated life score to the
user.

US Pat. No. 9,665,854

AUTHENTICATION ALERTS

ConsumerInfo.com, Inc., ...

1. A computing system, associated with one or more authentication providers, for providing alerts associated with a financial
account opening transaction, the system comprising:
a data store that stores contact information associated with one or more individuals enrolled in a monitoring service; and
a computing device, comprising at least one physical processor, that is in communication with the data store and that configured
to:

receive by the computing device, from an authentication provider associated with the computing system, information identifying
an individual for whom the authentication provider has received an authentication request from a financial entity, wherein
the information identifying the individual is received in association with the financial entity receiving a request from a
requesting entity, the requesting entity receiving the information in real time from a person alleging to be the individual,
wherein the request is to open a financial account for the individual, wherein the requesting entity comprises a vendor or
service provider or retailer having a location or place of business for which the financial entity maintains financial accounts,
wherein the received information includes a vendor identifier identifying the requesting entity and wherein the person alleging
to be the individual is present in real time at the location or place of business;

match, by the computing device, information stored in the data store with the information identifying the individual received
in association with the authentication request;

retrieve, by the computing device, contact information associated with the individual from the data store, wherein the retrieved
contact information includes at least one of a phone number or an IP address associated with a mobile device of the individual,
wherein the contact information is retrieved based at least in part by the matching of the information stored in the data
store with the information identifying the individual received in association with the authentication request;

retrieve, by the computing device, vendor contact information associated with the requesting entity based on the vendor identifier
received from the financial entity;

send, from the computing device, an electronic notification to the mobile device of the individual based at least in part
on the retrieved contact information, wherein the electronic notification provides notification to the individual that an
authentication request was received regarding the individual and includes at least a vendor name from the retrieved vendor
contact information, wherein the electronic notification is provided as a push alert delivered via an application executed
on the mobile device, wherein the electronic notification provides the individual with a selectable option to indicate that
the individual does not authorize opening of the financial account;

wherein sending the electronic notification as the push alert causes the mobile device to launch the application executed
on the mobile device, wherein the application causes display of the vendor name and the selectable option to indicate that
the individual does not authorize opening of the financial account;

receive, by the computing device, an indication that the individual has indicated that the individual does not authorize opening
of the financial account using the selectable option in the electronic notification; and

in response to receiving the indication, substantially in real time after receiving the indication, and substantially while
the person is still at the location or place of business:

providing, from the computing device, a first notification to the financial entity indicating that the individual has not
authorized opening of the financial account; and

providing, from the computing device, a second notification to the requesting entity indicating fraudulent use of identity
information of the individual in association with the authentication request, wherein the second notification is provided
based at least in part on the retrieved vendor contact information.

US Pat. No. 9,477,737

SYSTEMS AND USER INTERFACES FOR DYNAMIC ACCESS OF MULTIPLE REMOTE DATABASES AND SYNCHRONIZATION OF DATA BASED ON USER RULES

CONSUMERINFO.COM, INC., ...

1. A computing system 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, the computing system comprising:
one or more storage devices configured to store electronic software instructions; and
one or more computer processors in communication with the one or more storage devices, the one or more computer processors
configured to execute the stored electronic software instructions to cause the computing system to automatically:

access, over a network, first user information stored in the one or more storage devices, the first user information including
indications of each of a plurality of remote databases having data regarding a first user, the first user information also
including:

a plurality of data fields; and
a corresponding plurality of master data values associated with respective data fields;
access a first remote database of the plurality of remote databases via an application programming interface in communication
with the first remote database over the network;

determine first remote data associated with the first user stored in the first remote database;
compare the first remote data to the first user information by comparing a plurality of master data values in the first user
information to corresponding remote data values of remote data fields;

identify a particular master data value in a particular data field that does not match a corresponding remote data value in
an associated remote data field;

generate an interactive user interface for transmission to a remote user computing device, the interactive user interface
including authentication prompts usable to authenticate an identity of the first user;

receive input from the remote user computing device;
compare the input from the remote user computing device to expected authentication information associated with the first user;
in response to determining that the expected authentication information matches the input from the remote user computing device,
authenticate the first user;

generate a second interactive user interface for transmission to the remote user computing device, the second interactive
user interface including:

the particular master data value;
the corresponding remote data value; and
a first interactive user interface control usable by the first user to instruct the computing system to update the particular
master data value with the corresponding remote data value from the first remote data;

in response to receiving an indication via the second user interface that the first user selected the first interactive user
interface control, update the particular master data value in the first user information with the corresponding remote data
value from the first remote data;

identify a subset of the plurality of remote databases that each do not include the corresponding remote data value, said
identifying comprising, for each of the plurality of remote databases:

accessing the remote database using security protocols and/or communication protocols, over the network;
determining a remote data value in a remote data field corresponding to the particular data field in the remote database;
determining whether the corresponding remote data value is included in the updated master data value; and
if the remote data value is not included in the updated master data value, including the remote database in a subset of remote
databases for which updates are available;

generate a third user interface for transmission to the remote user computing device, the third user interface including:
an indication of the subset of remote databases for which updates are available; and
a second interactive user interface control usable to select one or more of the subset of remote databases; and
in response to receiving an indication of a selected one or more of the subset of remote databases from the remote user computing
device, for each of the selected one or more remote databases:

determine security protocols and/or communication; and
using the determined security protocols and/or communication protocols, transmit the updated master data value to the selected
remote database in order to initiate an update at the selected remote databases.

US Pat. No. 9,542,682

CARD REGISTRY SYSTEMS AND METHODS

ConsumerInfo.com, Inc., ...

1. A computerized method comprising:
determining, by a computing system having one or more computer processors, respective account information for each of a plurality
of cards issued to a consumer;

transmitting a user interface with respective card information for at least some of the plurality of cards, the user interface
comprising controls configured to receive inputs of consumer actions on one or more cards;

receiving input from the consumer via the user interface, the input comprising instructions to cancel and reissue a first
group of cards of the plurality of cards and to cancel but not reissue a second group of cards of the plurality of cards;

initiating cancellation and reissuance on the first group of cards; and
initiating cancellation but not reissuance on the second group of cards.

US Pat. No. 9,230,283

CARD REGISTRY SYSTEMS AND METHODS

ConsumerInfo.com, Inc., ...

1. A computerized method comprising:
determining, by a computing system having one or more computer processors, respective debit account information for each of
a plurality of debit cards issued to a consumer;

transmitting a user interface with the respective debit card information for at least some of the plurality of debit cards,
the user interface including controls configured to receive indications of particular debit cards to one or more of cancel
and reissue;

receiving input from the consumer via the user interface to cancel and reissue a first debit card of the plurality of debit
cards;

initiating, by the computing system, cancellation and reissuance of the first debit card;
receiving input from the consumer via the user interface to cancel and not reissue a second debit card of the plurality of
debit cards; and

initiating, by the computing system, cancellation, without initiating reissuance, of the debit card.

US Pat. No. 9,892,457

PROVIDING CREDIT DATA IN SEARCH RESULTS

Consumerinfo.com, Inc., ...

1. A computing system providing a composite web page, in response to a search query from a user, personalized credit data
of the user retrieved from a credit bureau along with search results that are retrieved from a search engine, the computing
system comprising:
one or more hardware computer processors; and
one or more storage devices configured to store software instructions configured for execution by the one or more hardware
computer processors in order to cause the computing system to:

receive, from a user computing device, a search query including one or more search terms:
determine, based on performance of the search query by a search engine, a plurality of search results each including one or
more of the search terms of the search query:

parse the search results and/or the search query to identify one or more terms related to consumer financial data;
in response to identifying that the one or more terms related to consumer financial data do not meet a predefined criteria
indicative that the user is considering a financial transaction, transmit a web page including the plurality of search results
to the user computing device without any personalized credit data of the user; or

in response to identifying that the one or more terms related to consumer financial data meet the predefined criteria indicative
that the user is considering a financial transaction:

retrieve, from a credit bureau, personalized credit data associated with the consumer of the user, the personalized credit
data comprising at least a credit score of the user, financial account information regarding each of one or more financial
accounts of the user, and a level of credit used by the user consumer: and

automatically generate and transmit a composite web page to the user computing device, the composite web page comprising;
(A) at least a portion of the personalized credit data associated with the consumer of the user including at least the credit
score of the user and the level of credit used by the user, as retrieved from the credit bureau, and

(B) plurality of search results.

US Pat. No. 9,697,568

SYSTEM AND METHODS FOR CREDIT DISPUTE PROCESSING, RESOLUTION, AND REPORTING

CONSUMERINFO.COM, INC., ...

1. A computer-implemented method comprising:
by software instructions executed by one or more hardware processors:
generating a first alert including an indication of a current status of a credit dispute request and a first selectable link
which indicates an address at which a user interface related to the credit dispute request may be accessed;

transmitting, over a wireless communication channel, the first alert to a computing device of a user associated with the credit
dispute request, wherein the first alert is configured to activate a software application of the computing device to cause
the indication of the current status to display on the computing device and to enable connection via the first selectable
link over the wireless communication channel to cause the user interface including the indication of the current status to
be displayed on the computing device;

receiving information associated with the credit dispute request; and
in response to determining that the information indicates a change of status of the credit dispute request:
determining an updated status of the credit dispute request that is different than the current status;
generating a second alert including an indication of the updated status and a second selectable link which indicates the address
at which the user interface may be accessed; and

transmitting, over the wireless communication channel, the second alert to the computing device of the user, wherein the second
alert is configured to activate the software application of the computing device to cause the indication of the updated status
to display on the computing device and to enable connection via the second selectable link over the wireless communication
channel to cause the user interface including the indication of the updated status to be displayed on the computing device.

US Pat. No. 9,058,627

CIRCULAR ROTATIONAL INTERFACE FOR DISPLAY OF CONSUMER CREDIT INFORMATION

ConsumerInfo.com, Inc., ...

1. A non-transitory computer-readable medium comprising instructions configured to cause one or more computer processors to
perform operations comprising:
receiving credit score user interface data, wherein the credit score user interface data comprises at least:
a consumer's credit score based on a credit score algorithm;
credit category information of the credit score algorithm, wherein the credit category information is provided by a credit
bureau and indicates respective percentage impacts of each of a plurality of categories of credit information in the credit
score algorithm; and

a consumer's credit information associated with respective of the plurality of categories;
generating a user interface configured for display on a touch sensitive computing device, the user interface including:
a plurality of wedge-shaped sections of a circular visual computer interface, wherein each section of the plurality of sections
is associated with a category of credit information and each section of the plurality of sections is sized according to the
respective percentage impact the associated category has in calculating the consumer's credit score using the credit score
algorithm, wherein the circular visual computer interface illustrates relative relationships between the categories of credit
information in calculating consumer credit scores; and

a visual section indicator that indicates one of the plurality of sections as selected within the circular visual computer
interface;

accessing the credit summary information associated with a selected first category of credit information,
wherein the user interface is configured to display the circular visual computer interface rotating in response to a dragged
touch input on the displayed circular visual computer interface, wherein the rotation causes the visual section indicator
to indicate a second category as selected within the circular visual computer interface, the second category distinct from
the first category; and

displaying at least a portion of the consumer's credit summary information for the second category.

US Pat. No. 9,972,048

DEBT SERVICES CANDIDATE LOCATOR

CONSUMERINFO.COM, INC., ...

1. A computerized method of determining a user's debt services options, comprising:receiving a request for a debt score for a consumer;
accessing, from an electronic data store, credit data of the consumer;
calculating, with one or more hardware computer processors, said debt score based on at least the accessed credit data of the consumer using one or more customized debt score algorithms associated with one or more debt services providers, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services options;
generating, by a computing system, user interface data configured for rendering on a user computing device of a user to display a user interface on a display of the user's computing device, the user interface indicating at least:
the calculated debt score;
one or more potentially available debt services options, based on the calculated debt score;
in response to the user's selection of a potentially available debt service option,
initiating contact with a debt services provider associated with the selected debt services options; and
generating a negotiated debt settlement agreement between the user and the debt services provider.

US Pat. No. 9,443,268

BILL PAYMENT AND REPORTING

ConsumerInfo.com, Inc., ...

1. A computing system for managing user credit information to expedite improvement in a user's credit score, the computer
system comprising:
a server computing system having:
one or more hardware computer processors;
one or more storage devices configured to store software instructions configured for execution by the one or more hardware
computer processors, the software instructions comprising:

a user interface module;
a bill payment module;
a payment reporting module;
an account validation module; and
an alert module; and
a user computing device configured to communicate with the server computing system via the user interface module;
wherein the server computing system executes the software instructions to cause the server computing system to:
access credit data of a user from one or more credit bureaus;
automatically identify a plurality of accounts associated with respective creditors included in the credit data of the user;
generate, via the user interface module, credit report user interface data configured for presentation to a user in a credit
report user interface rendered on the user computing device operated by the user, the credit report user interface indicating:

account information for the plurality of accounts based on the accessed credit data;
a credit score for the user based on the accessed credit data;
an account balance for the plurality of accounts based on the accessed credit data;
information regarding an expected numerical adjustment in the credit score if a first payment isn't made on time to a first
creditor associated with a first account of the plurality of accounts, the account information being presented to the user
via the user interface module based on expected impact of the plurality of accounts on the user's credit score, wherein the
information is displayed on the user computing device within one or more screens to include at least:

an indication of the first account;
a first payment due on the first account;
an indication of the expected numerical adjustment in the credit score;
a first payment button associated with the first account, wherein the first payment button is configured to enable the user
to initiate the first payment to the first creditor associated with the first account and reporting of the first payment to
one or more credit bureaus;

a first payment amount interface configured to receive a first payment amount for payment to the first creditor;
a first payment source selection interface configured to receive information from the user regarding a first payment account
of the user from which the first payment to the first creditor is to be drawn;

a second payment button associated with a second account of the plurality of accounts, wherein the second payment button is
configured to enable the user to initiate a second payment to a second creditor associated with the second account and reporting
of the second payment to one or more credit bureaus, wherein the first creditor and the second creditor are not affiliated;

a second payment amount interface configured to receive a second payment amount for payment to the second creditor; and
a second payment source selection interface configured to receive information from the user regarding a second payment account
of the user from which the second payment to the second creditor is to be drawn;

transmit the credit report user interface data to the user computing device, wherein the user computing device is configured
to render the credit report user interface on a display of the user computing device;

in response to the user selecting the first payment button of the credit report user interface rendered on the user computing
device:

receive via the user interface module a first payment instruction from the user indicating at least the first payment amount
and the first payment account;

transmit the first payment instruction from the user interface module to the bill payment module;
initiate, via the bill payment module, transfer of the first payment amount from the first payment account of the user to
the first creditor; and

confirm, via the account validation module, receipt of the first payment by the first creditor;
in response to the user selecting the second payment button of the credit report user interface rendered on the user computing
device:

receive via the user interface module a second payment instruction from the user indicating at least the second payment amount
and the second payment account;

transmit the second payment instruction from the user interface module to the bill payment module;
initiate, via the bill payment module, transfer of the second payment amount from the second payment account of the user to
the second creditor;

confirm, via the account validation module, receipt of the second payment by the second creditor; and
transmit payment data indicating confirmation of receipt of the first payment by the first creditor and confirmation of receipt
of the second payment by the second creditor from the bill payment module to the payment recording module;

generate via the payment reporting module substantially concurrently with transmitting the first and second payment instructions,
aggregated payment data comprising at least the first payment instruction, wherein the first payment instruction is associated
with the first creditor and the second payment instruction, wherein the second payment instruction is associated with the
second creditor;

transmit via the payment reporting module the aggregated payment data including details of the first payment and details of
the second payment to one or more credit bureaus before the first and second creditors report the respective first and second
payments to the one or more credit bureaus;

communicate the aggregated payment data from the payment reporting module to the alert module;
generate an alert via the alert module to be displayed on the user computing device;
cause transmission via the alert module and the user interface module of the alert over a wireless communication channel to
the user computing device, wherein the alert activates an application on the user computing device to cause details indicating
that payment data indicating confirmation of receipt of the first payment by the first creditor and confirmation of receipt
of the second payment by the second creditor have been provided to one or more credit bureaus to display, and wherein the
alert enables connection to the server computing system; and

display, on the user computing device, an actual impact on the user's credit score of completion of the first payment and
the second payment.

US Pat. No. 9,767,513

CARD REGISTRY SYSTEMS AND METHODS

ConsumerInfo.com, Inc., ...

1. A computerized method comprising:
providing, by a computing system having one or more computer processors, an enrollment user interface to a user computing
device, the enrollment user interface configured to receive information from a user regarding a plurality of financial accounts;

accessing, based on the enrollment user interface, information regarding each of the plurality of financial accounts;
transmitting a user interface with the information regarding each of the plurality of financial accounts;
receiving input from the user via the user interface, the input indicating two or more of the plurality of financial accounts;
and

for each of the two or more of the plurality of financial accounts:
determining a contact address of an entity originating the financial account;
electronically transmitting to the contact address a request for cancellation of the financial account of the user with the
entity originating the financial account;

tracking status of the request for cancellation; and
in response to determining that cancellation of the financial account has been completed, transmit a text message to the user
computing device indicating that the financial account has been cancelled.

US Pat. No. 9,342,783

SYSTEMS AND METHODS FOR DATA VERIFICATION

Consumerinfo.com, Inc., ...

1. An automated system for verifying data, the system comprising:
an electronic data store that stores at least one data element associated with each of a plurality of individuals; and
a computing device in communication with the electronic data store and that is configured to:
retrieve from the electronic data store a plurality of data elements associated with an individual;
select one or more of the plurality of data elements associated with the individual to be verified;
electronically locate data similar to the selected one or more data elements associated with the individual on one or more
network-accessible computing systems, wherein electronically locating the data similar to the selected one or more data elements
comprises searching a plurality of websites for data associated with the individual;

compare the selected one or more data elements to the similar located data; and
based at least in part on the comparison, store one or more updated or appended data elements associated with the individual
in the electronic data store, wherein the one or more data elements are updated or appended based at least in part on the
located data.

US Pat. No. 9,607,336

PROVIDING CREDIT INQUIRY ALERTS

ConsumerInfo.com, Inc., ...

1. A system comprising:
a data store that stores information associated with one or more individuals, wherein the information includes member information
indicating respective individuals enrolled in a notification service;

a computing device in communication with the data store and that is configured to:
receive an inquiry request from a requesting entity, wherein the inquiry request includes a request for credit data associated
with an individual, wherein the inquiry request is received by an inquiry module configured to receive the inquiry request
prior to the inquiry request causing any change to credit data associated with the individual in a credit bureau database;

determine that the individual is enrolled in the notification service based at least in part by comparing information associated
with the inquiry request and member information retrieved from the data store, wherein the information compared includes at
least one of a name, a social security number or an address; and

in response to receiving the inquiry request and determining that the individual is enrolled in the notification service:
determine a time period of a predetermined length during which the individual may respond to an alert to be generated by the
system, wherein the time period is set to be a predetermined number of seconds or minutes, wherein the system is configured
to release credit data associated with the individual to the requesting entity as a default action at the end of the time
period unless a response to the alert is received by the system during the time period;

retrieve contact information associated with the individual from the data store, wherein the retrieved contact information
includes at least one of a phone number, an IP address, or a device identifier associated with a mobile device of the individual;

generate the alert for delivery to the individual, the alert including information identifying the requesting entity, wherein
the alert is generated (a) substantially in real time when the request for credit data is received and (b) before or contemporaneously
with a processing by a credit bureau of the request for credit data, wherein the alert includes a selectable option that enables
the individual to indicate via interacting with the alert on the mobile device that the individual does not authorize credit
data to be provided to the requesting entity;

electronically provide the alert to the individual based on the retrieved contact information, wherein electronically providing
the alert to the individual comprises sending the alert to the mobile device of the individual as a push notification to an
application operating on the mobile device of the individual that includes the selectable option as at least one of a link
or a button,

wherein electronically providing the alert includes delivering the alert to the mobile device such that the alert activates
the application on the mobile device to cause display of the information identifying the requesting entity and the selectable
option that enables connection to the computing device over the Internet;

receive a response, during the time period, from the mobile device of the individual indicating that the selectable option
within the alert was selected; and

based on the response received from the mobile device of the individual, prevent the system from completing the default action
of releasing credit data associated with the individual to the requesting entity at the end of the time period;

wherein the alert is generated without reference to credit data or financial data associated with the individual and is generated
regardless of whether the inquiry request causes a change to credit data associated with the individual.

US Pat. No. 9,542,553

SYSTEMS AND METHODS OF IDENTITY PROTECTION AND MANAGEMENT

Consumerinfo.com, Inc., ...

1. A method of monitoring potential identity theft threats, the method being performed by a monitoring computer having one
or more computer processors, the method comprising:
receiving a request, by the monitoring computer, from a user to monitor a third party account of the user with an online service
provider, the request including personal information associated with the third party account;

periodically monitoring the third party account of the user for indications of changes or attempted changes to personal information
associated with the third party account;

as part of the periodic monitoring,
detecting a change or attempted change to personal information associated with the third party account;
determining a risk level associated with the detected change or attempted change to personal information associated with the
third party account; and

determining, based at least in part on the determined risk level, one or more protective actions; and
transmitting to a user computing device a notification of the detected change or attempted change, and a request to select
one or more of the protective actions to be taken in response to the detected change or attempted change;

receiving from the user computing device an indication of selection of one or more of the protective actions by the user;
and

initiating the one or more protective actions selected by the user.

US Pat. No. 10,115,079

AUTHENTICATION ALERTS

ConsumerInfo.com, Inc., ...

1. A computing system comprising:a data store that stores contact information associated with one or more individuals enrolled in a monitoring service; and
a computing device, comprising at least one physical processor, that is in communication with the data store and that configured to:
receive, by the computing device, information identifying an individual for whom an authentication request has been received in association with a request from a requesting entity that received the information in real time from a person alleging to be the individual, wherein the received information includes a vendor identifier identifying the requesting entity and wherein the person alleging to be the individual is present in real time at a place of business of the vendor;
retrieve, by the computing device, contact information associated with the individual from the data store;
retrieve, by the computing device, vendor contact information associated with the requesting entity based on the vendor identifier;
send, from the computing device, an electronic notification to a mobile device of the individual based at least in part on the retrieved contact information, wherein the electronic notification provides notification to the individual that an authentication request was received regarding the individual and includes at least a vendor name from the retrieved vendor contact information, wherein the electronic notification provides the individual with a selectable option to indicate whether the person alleging to be the individual is actually the individual,
wherein the electronic notification is provided as a push alert delivered via an application executed on the mobile device, wherein sending the electronic notification as the push alert causes the mobile device to launch the application executed on the mobile device, wherein the application causes display of the vendor name and the selectable option;
receive, by the computing device as a result of a selection of the selectable option in the electronic notification, an indication that the person alleging to be the individual is not actually the individual; and
in response to receiving the indication, substantially in real time after receiving the indication, and substantially while the person is still at the place of business, providing a notification to the requesting entity indicating fraudulent use of identity information of the individual in association with the authentication request, wherein the notification is provided based at least in part on the retrieved vendor contact information.

US Pat. No. 9,916,621

PRESENTATION OF CREDIT SCORE FACTORS

CONSUMERINFO.COM, INC., ...

1. Non-transitory computer storage that comprises executable instructions configured to cause one or more computer processors
to perform operations comprising:
receiving, via a computer network, from a touch sensitive computing device of a user, a request for information regarding
how a credit score of the user is positively impacted by various activities of the user and how the credit score of the user
is negatively impacted by other various activities of the user;

receiving, from a remote computing system storing credit information, first credit information associated with the user, wherein
the first credit information comprises indications of a plurality of categories and corresponding category data for each category,
the plurality of categories and corresponding category data including at least:

a credit utilization category and associated credit utilization data of the user including a credit utilization percentage
indicating a percentage of total credit used by the user compared to a total credit available to the user across a plurality
of credit lines associated with the user;

a credit inquires category and associated credit inquiry data of the user including a quantity of credit inquiries associated
with the user in a predetermined prior time period; and

a payment history category and associated payment history data of the user indicating a quantity of missed payments associated
with the user in a predetermined prior time period;

for each of the plurality of categories:
accessing a data structure storing rules describing influences of the categories on credit scores, the rules indicating a
plurality of conditions associated with impacts on credit scores of users, each of the rules in the data structure including

a logical condition associated with the category; and
an indication of whether satisfaction of the logical condition negatively or positively impacts credit scores;
accessing category data of the user associated with the category;
applying the logical condition to the category data to determine whether the logical condition is met by the category data,
including:

for the credit utilization category, determining whether the credit utilization percentage of the user exceeds a credit utilization
threshold indicated in a credit utilization logical condition associated with the credit utilization category;

for the credit inquiries category, determining whether the quantity of credit inquires associated with the user exceeds a
credit inquires threshold indicated in a credit inquiries logical condition associated with the credit inquires category;
and

for the payment history category, determining whether the quantity of missed payments associated with the user exceeds a missed
payments threshold indicated in a payment history logical condition associated with the payment history category;

based on said applying the logical condition to the category data, identify one or more logical conditions that are met;
for each identified logical condition that is met, access the data structure to determine whether the met logical condition
is associated with a negative impact or positive impact on credit scores;

generating user interface data configured for inclusion in one or more interactive user interfaces rendered on the touch sensitive
computing device, the user interface data configured to describe application of the rules, and the one or more interactive
user interfaces comprising a plurality of panes associated with respective categories each having corresponding logical conditions
met, wherein the plurality of panes are ordered according to respective impacts on the credit score of the user, wherein each
pane associated with a respective category is configured to alternatively depict

(i) a first visual indicator including:
a description of the logical condition associated with the respective category,
an indication of whether the description indicates a positive or negative impact on the credit score of the user, and
a first value including or based on category data associated with the respective category, or
(ii) a second visual indicator including informational text indicating rationale for the indicated positive or negative impact
on the credit score of the user, wherein the informational text is dynamically generated based on the first value;

wherein the user interface data is further configured to, in response to receiving a touch input of a particular pane on the
touch sensitive computing device:

cause the one or more interactive user interfaces to display a visual animation depicting rotation of the pane upon a horizontal
or vertical axis in order to alternate display of visual indicators depicted in the particular pane between the first visual
indicators and the second visual indicators displayed in the particular pane, such that visuals indicators displayed in the
particular pane are alternated in response to each touch input on the particular pane.

US Pat. No. 9,870,589

CREDIT UTILIZATION TRACKING AND REPORTING

Consumerinfo.com, Inc., ...

1. A computer system for generating alerts based on triggering one or more threshold conditions, the computer system comprising:
one or more computer processors configured to execute software instructions;
a non-transitory tangible storage device storing the software instructions including:
a utilization tracking module,
a user interface module, and
a reporting and alert module;
wherein the utilization tracking module is configured to:
determine a default high threshold indicating a credit usage level at which a credit score of a consumer may be affected,
wherein the credit usage level is determined based on one or more credit score formulae used by one or more credit bureaus
wherein the default high threshold is less than or equal to 80% of a total credit limit;

access, from a credit bureau, credit data of the consumer, the credit data of the consumer including personalized financial
data of the consumer including a credit score and account information for each of a plurality of credit lines of the consumer;

calculate a first historical credit utilization associated with a first credit line by calculating the consumer's credit utilization
of the first credit line at multiple points in time, wherein credit utilization of the first credit line at each point in
time indicates a relationship between a total credit limit of the first credit line and an available credit amount for the
first credit line at the respective multiple points in time;

calculate a second historical credit utilization associated with a second credit line by calculating the consumer's credit
utilization of the second credit line at multiple points in time, wherein credit utilization of the second credit line at
each point in time indicates a relationship between a second total credit limit of the second credit line and a second available
credit amount for the second credit line at the respective multiple points in time;

calculate a first historical percentage credit utilization for the first credit line based on the first historical credit
utilization associated with the first credit line of the consumer;

calculate a second historical percentage credit utilization for the second credit line based on the second historical credit
utilization associated with the second credit line of the consumer;

set a first historical usage threshold based on the first historical percentage credit utilization associated with the first
credit line of the consumer, wherein the first historical usage threshold is set to be equal to or greater than the first
historical percentage credit utilization associated with the first credit line;

set a second historical usage threshold based on the second historical percentage credit utilization associated with the second
credit line of the consumer, wherein the second historical usage threshold is set to be equal to or greater than the second
historical percentage credit utilization associated with the second credit line, wherein the first historical usage threshold
is different than the second historical usage threshold;

periodically access updated credit data of the consumer from the credit bureau;
calculate a first current credit utilization of the first credit line based on the periodically accessed updated credit data;
and

calculate a second current credit utilization of the second credit line based on the periodically accessed updated credit
data;

wherein the user interface module is configured to:
generate a user interface configured for rendering on a computing device of the consumer, the user interface comprising:
the first current credit utilization of the first credit line;
the second current credit utilization of the second credit line;
a first user interface element indicating the default high threshold with reference to each of the first and the second credit
lines; and

a second user interface element, selectable by the consumer, enabling the consumer to add a custom credit utilization threshold
for the first credit line or the second credit line; and

wherein the reporting and alert module is configured to:
receive, from the computing device of the consumer, the custom credit utilization threshold;
in response to determining that the first or the second current credit utilization exceeds the respective historical usage
threshold or the custom credit utilization threshold, the reporting and alert module is triggered to:

generate a first electronic notification indicating that the consumer has exceeded the respective historical usage threshold
or the custom credit utilization threshold for the first or the second credit line, and

cause transmission of the first electronic notification over a wireless communication channel to a wireless device of the
consumer, wherein the first electronic notification activates an application on the wireless device to cause the first electronic
notification including a link to a webpage to display on the wireless device of the consumer to enable connection to the computer
system over the Internet to access the webpage; and

in response to determining that the first or the second current credit utilization for the respective credit line exceeds
the default high threshold, the reporting and alert module is triggered to:

generate a second electronic notification indicating a suggestion regarding:
lowering credit utilization for the respective credit line,
switching to a credit line with lower credit utilization, or
moving debt from the credit line to one or more other credit lines; and
cause transmission of the second electronic notification over the wireless communication channel to the wireless device of
the consumer, wherein the second electronic notification activates an application on the wireless device to cause the second
electronic notification to display on the wireless device of the consumer.

US Pat. No. 9,652,802

INDIRECT MONITORING AND REPORTING OF A USER'S CREDIT DATA

CONSUMERINFO.COM, INC., ...

1. A method of monitoring a user's credit data to determine a risk of identity theft of the user in which an online credit
monitoring service is provided and the user is required to enroll in the service by providing online sufficient information
to reliably verify identity of the user, wherein the method addresses the problem of receiving insufficient enrollment information
from the user, the method comprising:
by a computer system comprising:
a credit data warehouse comprising millions of credit files relating to a corresponding millions of users;
a plurality of user computing devices, each user computing device associated with a user who has at least one account with
at least one of the lenders that report the credit information to the credit data warehouse;

a credit monitoring server providing a credit monitoring service to the users of the user computing devices, the credit monitoring
server comprising:

an enrollment module that
delivers one or more web pages to a user computing device for enrollment of a user of the user computing device in the credit
monitoring service; and

receives a request for credit monitoring of the user;
receives identifying information relating to the user in response to the user receiving the one or more web pages, the one
or more web pages for presentation to the user via the user computing device and requesting identifying information sufficient
to authorize reporting, to the user, a credit history of the user;

determines whether the identifying information relating to the user is sufficient to authorize reporting of the credit history
to the user; and

in response to determining that the identifying information is sufficient, identifying the user as a complete enrollee of
the credit monitoring service; or

in response to determining that the identifying information is not sufficient, identifying the user as an incomplete enrollee
of the credit monitoring service; and

save the information received while identifying the information lacking to identify the user as a complete enrollee;
a credit monitoring module for delivering notices to the user computing devices indicating changes in their respective credit
information in the credit data warehouse, wherein the credit monitoring module:

periodically monitors credit history of the user in the credit data warehouse to identify credit history events therein;
in response to identifying a credit history event in the credit history of the user:
determining whether the user is a complete enrollee in the credit monitoring service;
in response to determining that the user is a complete enrollee in the credit monitoring service, transmitting, by the credit
monitoring server, to the user computing device of the user, an enrollee alert message regarding the credit history event,
which includes detailed information regarding the credit history event and a link to access further information in the credit
history of the user, or

in response to determining that the user is not a complete incomplete enrollee in the credit monitoring service:
 transmitting, by the credit monitoring server, to the user computing device of the user, an alert message regarding the credit
history event providing only a portion of the detailed information regarding the credit history event;

 providing to the user an option to complete enrollment in the credit monitoring service;
 providing to the user a webpage indicating the information lacking to become a complete enrollee;
 receiving from the user the lacking information; and
 transmitting to the user the detailed information regarding the credit history event in response to the user completing enrollment
in the credit monitoring service.

US Pat. No. 10,025,842

SYSTEMS AND USER INTERFACES FOR DYNAMIC ACCESS OF MULTIPLE REMOTE DATABASES AND SYNCHRONIZATION OF DATA BASED ON USER RULES

CONSUMERINFO.COM, INC., ...

1. A computing system comprising:one or more storage devices configured to store electronic software instructions; and
one or more computer processors in communication with the one or more storage devices, the one or more computer processors configured to execute the stored electronic software instructions to cause the computing system to automatically:
access, over a network, user information stored in the one or more storage devices, the user information including master data values associated with respective data fields;
access a first remote database of a plurality of remote databases over the network;
determine first remote data associated with a user stored in the first remote database;
compare the first remote data to the user information by comparing the master data values in the user information to corresponding remote data values of remote data fields;
identify a particular master data value in a particular data field that do not include a corresponding remote data value in an associated remote data field;
identify a subset of the plurality of remote databases that each do not include the corresponding remote data value, said identifying comprising, for each of the plurality of remote databases:
accessing a remote database using security protocols and/or communication protocols, over the network;
determining that the corresponding remote data value is not included in a remote data field in the remote database corresponding to the remote data value; and
in response to determining that the remote data value is not included in the remote data field, including the remote database in the subset of remote databases;
generate a user interface for transmission to a remote user computing device, the user interface including:
an indication of the subset of remote databases; and
an interactive user interface control usable to select one or more of the subset of remote databases; and
in response to receiving the indication of a selected one or more of the subset of remote databases from the remote user computing device, for each of the one or more selected remote databases:
determine the security protocols and/or communication protocols; and
using the determined security protocols and/or communication protocols, initiate an update for the one or more selected remote databases.

US Pat. No. 9,990,674

CARD REGISTRY SYSTEMS AND METHODS

CONSUMERINFO.COM, INC., ...

1. A computerized method comprising:providing, by a computing system having one or more computer processors, an enrollment user interface to a user computing device, the enrollment user interface configured to receive information from a user authorizing access to personal information of the user;
automatically accessing, based on the enrollment user interface, information regarding each one or more accounts related to the authorized access to personal information;
identifying the one or more accounts based on an assessment of the accessed information;
transmitting information to the user with the accessed information regarding each of the one or more accounts;
receiving input from the user, the input indicating a selection of at least one of the one or more accounts; and
for each of the selected at least one of the one or more accounts:
determining a contact address of an entity originating the selected at least one of the one or more accounts;
electronically transmitting to the contact address a request for cancellation of the selected at least one of the one or more accounts of the user with the entity originating the selected at least one of the one or more accounts;
tracking status of the request for cancellation; and
in response to determining that cancellation of the selected at least one of the one or more accounts has been completed, transmit a notification to the user computing device indicating that the selected at least one of the one or more accounts has been cancelled.

US Pat. No. 9,633,322

ADJUSTMENT OF KNOWLEDGE-BASED AUTHENTICATION

ConsumerInfo.com, Inc., ...

1. A computer system for setting authentication requirements for a consumer associated with a consumer computing device, the
computing system comprising:
a consumer computing device through which financial account information of a consumer is accessible;
an authentication server in communication with a plurality of electronic devices to provide authentication of users of respective
electronic devices;

a financial services server in communication with the consumer computing device, the financial services server storing information
regarding financial accounts issued to respective consumers by a financial service provider;

wherein the financial services server executes software instructions to:
receive, from the consumer computing device via the Internet, a request to open a new financial account with the financial
service provider;

transmit device identification information gathering code to the consumer computing device, the device identification information
gathering code comprising one or more of device-aware parameter-submitting code, browser information gathering code, or device
information gathering code;

receive device identification information associated with the consumer computing device gathered through the device identification
information gathering code, the device identification information comprising one or more of:

device ID,
device location,
browser type,
browser time zone,
browser language settings,
proxy settings,
stated IP address, or
real IP address; and
transmit, to the authentication server, a request to set authentication requirements for the consumer and information allowing
the authentication server to communicate with the consumer computing device;

wherein the authentication server:
receives, from the financial services server via the Internet, the request to set authentication requirements for the consumer
in response to the request transmitted from the consumer computing device to open the new financial account and device identification
information associated with the consumer computing device, wherein an identity of the consumer is unknown to the financial
service provider;

determines a real geolocation of the consumer computing device based on one or more of current GPS data or historical GPS
data from the consumer computing device;

derives one or more behaviors of the consumer based on at least the device identification information, the one or more behaviors
comprising one or more of:

a comparison between a masked geolocation indicating a location of a proxy server through which the device identification
information is received and the determined real geolocation of the consumer computing device, or

a comparison between the determined real geolocation of the consumer computing device and a browser geolocation indicated
by a browser executing on the consumer computing device;

calculates a fraud risk score of the consumer based at least on the one or more derived behaviors of the consumer, wherein
respective derived behaviors indicative of potential fraud cause the fraud risk score to increase and respective derived behaviors
not indicative of potential fraud cause the fraud risk score to decrease;

determines authentication requirements for the consumer based on the calculated fraud risk score, wherein the authentication
requirements indicate one or more of:

a number of authentication questions the consumer is required to correctly answer,
types of authentication questions the consumer is required to answer, or
a percentage of authentication questions that must be correctly answered;
transmits one or more authentication questions to the consumer computing device in accordance with the determined authentication
requirements, and receives corresponding responses from the consumer computing device;

determines, based on the authentication requirements for the consumer and the responses from the consumer computing device,
whether the consumer is authenticated; and

transmits, to the financial service server, an indication of whether the consumer is authenticated.

US Pat. No. 9,710,852

CREDIT REPORT TIMELINE USER INTERFACE

ConsumerInfo.com, Inc., ...

1. A computing system for reconciling and presenting a credit event from a plurality of credit bureaus, the computing system
comprising:
one or more hardware computer processors; and
one or more storage devices configured to store software instructions configured for execution by the one or more hardware
computer processors, wherein the software instructions comprise:

a credit data gathering module configured to:
access first credit data associated with a consumer from a first credit bureau, wherein the first credit data comprise a first
set of credit events;

access second credit data associated with the consumer from a second credit bureau, wherein the second credit data comprise
a second set of credit events wherein at least a subset of the second set of credit events describes same credit events in
the first set of credit events; and

identify a plurality of credit events from the first credit data and the second credit data associated with the consumer,
wherein the plurality of credit events comprise the subset of the second set of credit events;

a timeline generation module configured to:
for each credit event of the plurality of credit events:
determine a first credit score impact for the first credit bureau;
determine a second credit score impact for the second credit bureau;
determine a first visual indicator for the first credit bureau indicating the first credit score impact associated with the
credit event; and

determine a second visual indicator associated with the second credit bureau indicating the second credit score impact associated
with the same credit event; and

organize the plurality of credit events and associated credit score impacts into a chronological order;
a user interface module configured to:
using the accessed credit data, the organized plurality of credit events, and the determined visual indicators, automatically
generate and transmit a user interface to a computing device of a user, the user interface including:

(1) a credit event timeline indicating the plurality of credit events in the chronological order,
(2) descriptions of the plurality of credit events and the associated credit score impacts, and
(3) the first and the second visual indicators corresponding to the plurality of credit events.

US Pat. No. 9,576,030

KEEPING UP WITH THE JONESES

CONSUMERINFO.COM, INC., ...

1. A computing system for providing user comparison information to a user, the computing system comprising:
a user computing device;
one or more demographic databases each storing demographic attributes for each of a plurality of users;
a server computing system comprising:
one or more computer processors configured to execute first software instructions; and
a non-transitory computer readable storage device configured to store the first software instructions executable by the one
or more computer processors in order to cause the server computing system to:

serve a website or mobile application content to the user computing device, the website or mobile application content comprising
user interface controls usable by a user of the user computing device to:

provide identification information of the user;
provide identification information of a comparison individual; and
perform a comparison of each of multiple demographic attributes of the user with the corresponding of the multiple demographic
attributes of the comparison individual identified by the user;

wherein the user computing device executes second software instructions to:
render the website or mobile application content served by the server computing system;
receive from the user and provide to the server computing system, via the rendered website or mobile application content,
user identification information identifying the user of the user computing device;

receive from the user and provide to the server computing system, via the rendered website or mobile application content,
comparison individual identification information identifying the comparison individual; and

receive from the user and provide to the server computing system, via the rendered website or mobile application content,
a request to compare each of multiple demographic attributes of the user with corresponding of the multiple demographic attributes
of the comparison individual identified by the user; and

wherein the stored first software instructions executed by the server computing system further cause the server computing
system to:

access demographic data from the one or more demographic databases regarding the user of the user computing device, based
on the user identification information, the demographic data including one or more demographic attribute in each of three
or more categories selected from: marital status, friends, profession, children, automobile, income level, residence, or education
level;

receive, from the user, an indication of the comparison individual;
access comparison demographic data from the one or more demographic databases regarding the comparison individual, based on
the comparison individual identification information, the comparison demographic data including one or more comparison demographic
attribute in each of the three or more categories selected from: marital status, friends, profession, children, automobile,
income level, residence, or education level;

access a data structure storing information regarding most favorable levels of respective demographic attributes, wherein
for a first category of demographic attributes the data structure indicates that a higher number is more favorable and for
a second category of demographic attributes the data structure indicates that a lower number is more favorable;

for each of the three or more categories:
compare a value of the demographic attribute of the user with a value of the comparison demographic attribute of the comparison
individual; and

based on the information stored in the data structure regarding most favorable levels of demographic attributes associated
with the category, determine which of either the user or the comparison individual has a most favorable demographic attribute
for the category;

generate a comparison user interface indicating:
each of the three or more categories,
for each of the three or more categories:
the one or more demographic attribute for the user;
the one or more comparison demographic attribute for the comparison individual; and,
a visual indication of which of the user or the comparison individual is associated with most favorable demographic attributes;
and

transmit the comparison user interface to the user computing device, wherein the user computing device is configured to render
the comparison user interface for display to the user.

US Pat. No. 9,853,959

STORAGE AND MAINTENANCE OF PERSONAL DATA

CONSUMERINFO.COM, INC., ...

1. A system comprising:
a computer server comprising:
an electronic data store storing personal data associated with a user; and
one or more computer processors configured with specific computer executable instructions in order to cause the one or more
computer processors to:

receive, from the user, an indication of particular items and/or types of personal data to be stored in the electronic data
store;

receive, from the user, access credentials associated with the particular items and/or types of personal data to be stored
in the electronic data store;

obtain, via a computer network and using the access credentials, the particular items and/or types of personal data from a
computing system of a first third-party by at least one of:

accessing an application programming interface of the computing system of the first third-party, or
scraping a web page received from the computing system of the first third-party;
store, in the electronic data store, the particular items and/or types of personal data obtained from the computing system
of the first third-party;

receive, from a user, and store in the electronic data store:
an indication of an association between a first default type of personal data and a first type of third-party, and
an indication of an association between a second default type of personal data and second type of third-party;
generate a unique identifier that is associated with the user; and
communicate the unique identifier to a mobile computing device associated with the user;
the mobile computing device comprising:
a display; and
one or more computer processors configured with specific computer executable instructions in order to cause the one or more
computer processors to:

receive the unique identifier;
generate and display, on the display, a first interactive user interface including:
an indication of the unique identifier, and
one or more user-selectable elements by which the user may initiate wireless transmission of the unique identifier;
receive, via input from the user, a selection of one of the user-selectable elements of the first interactive user interface;
in response to selection of the one of the user-selectable elements of the first interactive user interface, initiate transmission
of the unique identifier from the mobile computing device to a computing system of a second third-party via a wireless communications
protocol, wherein the second third-party is of the first type;

in response to initiation of transmission of the unique identifier from the mobile computing device to the computing system
of the second third-party, generate and display, on the display, a second interactive user interface including:

an indication of the second third-party,
an indication that the first default type of personal data is accessible by the second third-party, wherein the indication
of the association between the first default type of personal data and the first type of third-party was previously provided
by the user, and

one or more user-selectable elements by which the user may indicate additional types of personal data associated with the
user to be accessible by the second third-party;

receive, via input from the user, a selection of at least one of the user-selectable elements of the second interactive user
interface;

receive, via input from the user, an indication of a first purpose for which the second third-party may access personal data
associated with the user; and

in response to selection of the at least one of the user-selectable elements of the second interactive user interface, authorize
the second third-party to access, for the first purpose and from the electronic data store of the computer server, one or
more items of personal data associated with the user that are of the first default type and the one or more additional types
indicated by the at least one of the user-selectable elements;

wherein the one or more computer processors of the computer server are further configured with specific computer executable
instructions in order to cause the one or more computer processors to:

receive, from the computing system of the second third-party and over the computer network;
a first request to access an item of personal data associated with the user from the electronic data store, wherein the first
request includes the unique identifier and an indication of a second purpose for the first request,

an indication of an identity of the second third-party, and
one or more authentication data items;
authenticate, based at least in part on the indication of the identity of the second third-party and the one or more authentication
data items, the identity of the second third-party;

compare the second purpose to the first purpose provided by the user;
in response to determining that the second purpose and the first purpose match, determine whether the item of personal data
is one of the one or more items of personal data that are of the first default type or the one or more additional types indicated
by the at least one of the user-selectable elements;

in response to determining that the item of personal data is one of the one or more items of personal data, transmit the item
of personal data from the data store to the computing system of the second third-party over the computer network; and

log access data associated with the first request, wherein the access data includes the identity of the second third-party,
a date and time the item of personal data was transmitted, an identification of a type of the item of personal data that was
transmitted, and the second purpose for the first request;

wherein the one or more computer processors of the mobile computing device are further configured with specific computer executable
instructions in order to cause the one or more computer processors to:

generate and display, on the display, a third interactive user interface including:
an indication of the identity of the second third-party,
an indication of the date and time the item of personal data was transmitted,
an indication of the type of the item of personal data that was transmitted,
an indication of the second purpose for the first request, and
a user selectable element by which the user may indicate a deauthorization of the second third-party to access the one or
more items of personal data associated with the user;

receive, via input from the user, a selection of the user-selectable element of the third interactive user interface; and
in response to selection of the user-selectable element of the third interactive user interface, deauthorize the second third-party
from further accessing, from the electronic data store, the one or more items of personal data associated with the user;

wherein the one or more computer processors of the computer server are further configured with specific computer executable
instructions in order to cause the one or more computer processors to:

receive, from the computing system of the second third-party and over the computer network, a second request to access the
item of personal data associated with the user from the electronic data store, wherein the second request includes the unique
identifier;

determine that the item of personal data is one of the one or more items of personal data;
determine that the second third-party is not authorized to access the item of personal data; and
notify the user that the second third-party attempted to access the item of personal data.

US Pat. No. 9,721,147

DIGITAL IDENTITY

CONSUMERINFO.COM, INC., ...

1. A computing system for managing a digital identification of a user, the computer system comprising:
a user computing device; and
a digital identity management device comprising one or more computer processors configured to:
access an image of a driver license of a user;
extract information regarding the user from the driver license image, the information including at least a name of the user
and a photograph of the user;

transmit the driver license image to a document authentication service with a request to validate authenticity of the driver
license;

receive from the document authentication service an indication of whether the driver license is valid;
provide one or more authentication questions to the user, wherein responses to the one or more authentication questions are
usable to determine whether the user is the user named in the driver license image;

receive responses to the one or more authentication questions;
determine, based at least in part on the responses, whether the user is the user named in the driver license image;
in response to determining that both (i) the driver license is valid and (ii) that the user is the user named in the driver
license image, generate a digital identity specific to the user and usable by the user to authenticate the user in place of
the driver license of the user, the digital identity configured for display on the user computing device, the digital identity
including:

the photograph of the user extracted from the driver license of the user,
at least some of the information extracted from the driver license image,
an indication that the at least some of the information extracted from the driver license image was extracted from a validly
issued driver license, and

an indication that the identity of the user has been validated;
transmit the digital identity to the user computing device, the user computing device configured to display the digital identity
to a third party in response to an identification request from the third party.

US Pat. No. 10,255,598

CREDIT CARD ACCOUNT DATA EXTRACTION

ConsumerInfo.com, Inc., ...

1. A system comprising:a digital wallet computing system comprising at least a wallet system processor and a wallet system memory storing information regarding a consumer, the wallet system memory comprising a wallet system software component;
a credit account extraction system communicatively coupled to the digital wallet computing system via a first network and comprising:
a credit bureau communication module configured for communication with a source of credit data via a second network;
at least an extraction system processor coupled to an extraction system memory, the extraction system memory comprising an extraction system software component;
a consumer computing device communicatively coupled to the digital wallet computing system via the first network, the consumer computing device comprising at least a consumer device processor and a consumer device memory, the consumer device memory comprising a consumer device software component;
a merchant computing system communicatively coupled to the consumer computing device and the digital wallet computing system via the first network, the merchant computing system comprising at least a merchant system processor and a merchant system memory, the merchant system memory comprising a merchant system software component;
the merchant system software component including instructions implementing the following sequence of operations carried out by the merchant computing system when the instructions are executed by the merchant system processor:
receive via the first network, a transaction request from the consumer computing device,
transmit via the first network, a consumer credit card information retrieval request to the digital wallet computing system in response to receiving the transaction request;
receive via the first network, the extracted consumer credit data transmitted by the digital wallet computing system;
generate a consumer interface for display on the consumer computing device based on the extracted consumer credit data;
the consumer device software component including instructions implementing the following operations carried out by the consumer computing device when the instructions are executed by the consumer device processor:
transmit via the first network a wallet account request to the digital wallet computing system, wherein a wallet account includes account data for a plurality of credit cards associated with an account holder;
receive one or more wallet account rules via an input of the consumer computing device;
provide via the first network, the received one or more wallet account rules to the digital wallet computing system;
transmit via the first network, a credit data access authorization message to the digital wallet computing system;
transmit via the first network, the transaction request to the merchant computing system;
the wallet system software component including instructions implementing the following operations carried out by the digital wallet computing system when the instructions are executed by the wallet system processor,
receive via the first network, the credit data access authorization message from the consumer computing device;
receive via the first network, the one or more wallet account rules provided by the consumer computing device;
receive via the first network, a consumer credit card information retrieval request from the merchant computing system;
transmit via the first network, in accordance with the received one or more wallet account rules and the received authorization, a credit data retrieval request to the credit account extraction system;
receive via the first network, the extracted consumer credit data transmitted by the credit account extraction system;
transmit via the first network, the extracted consumer credit data to the merchant computing system;
the extraction system software component including instructions implementing the following sequence of operations carried out by the credit account extraction system when the instructions are executed by the extraction system processor:
receive via the first network, the credit data retrieval request transmitted by the digital wallet computing system;
responsive to receiving the credit data retrieval request via the first network, the communication module communicating with the source of credit data via the second network to extract consumer credit data from the source of credit data;
transmit via the first network, the extracted consumer credit data to the digital wallet computing system;
whereby the consumer computing device communicates with the merchant computing system to execute transactions based on the consumer's wallet account data, the consumer's wallet account data having been updated by the consumer's digital wallet account based on consumer credit data, in accordance with the one or more consumer-provided rules governing digital wallet account system access to the consumer credit data.

US Pat. No. 9,830,646

CREDIT SCORE GOALS AND ALERTS SYSTEMS AND METHODS

CONSUMERINFO.COM, INC., ...

1. A non-transitory computer-readable medium comprising instructions configured to cause one or more computer processors to
perform operations comprising:
receiving credit score user interface data, wherein the credit score user interface data comprises at least a consumer's credit
score based at each of a current time and a plurality of previous times based on application of a credit score algorithm to
the consumer's credit data at the respective times, and a credit score threshold;

generating a user interface configured for display on a touch sensitive computing device, the user interface including:
a credit score line graph presenting the consumer's credit score for the current time and one or more of the previous times;
and

a user-adjustable threshold line indicating the credit score threshold as a straight line across the current time and the
one or more previous times,

wherein the user interface is configured to update the user-adjustable threshold line in response to a dragged touch input
on the user-adjustable threshold line;

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has begun;
in response to receiving the indication that the dragged touch input on the user-adjustable threshold line has begun:
receiving, by the user interface, data input corresponding to the dragged touch input during the duration of the dragged touch
input, wherein the data input includes a position of the user-adjustable threshold line, the position corresponding to the
position of the dragged touch input on the user-adjustable threshold line;

determining, for the positions of the user-adjustable threshold line during the dragged touch input, a credit score range
of a plurality of credit score ranges that is currently associated with the respective position of the user-adjustable threshold
line, wherein each of the credit score ranges is associated with a different visual display characteristic;

updating, dynamically for the positions, the user-adjustable threshold line on the user interface based on the visual display
characteristic associated with the respective determined credit score range of the received data input; and

receiving, by the user interface, an indication that the dragged touch input on the user-adjustable threshold line has ended;
automatically updating the credit score threshold for the consumer in a credit monitoring database;
monitoring the consumer's credit score for a change beyond the updated credit score threshold; and
in response to determining that the consumer's credit score moved beyond the updated credit score threshold, transmitting
to the touch sensitive computing device of the consumer a notification of the change in the consumer's credit score, the notification
configured to activate an application on the touch sensitive computing device to cause display of information regarding the
credit score change and enable connection to the credit monitoring database over the Internet.

US Pat. No. 10,437,895

SYSTEMS AND METHODS FOR DATA VERIFICATION

Consumerinfo.com, Inc., ...

1. A system comprising:an electronic data store that stores data associated with each of a plurality of individual persons; and
a computing device, comprising a physical processor, that is in communication with the electronic data store and that is configured to:
retrieve, from the electronic data store, a plurality of data elements associated with a person;
electronically locate information regarding the person on a webpage, wherein the information is located by searching content of a plurality of internet data sources using at least one of web crawling or web scraping;
extract the located information regarding the person from the webpage;
determine a creation date associated with the located information based on code of the webpage;
perform a first comparison of one or more portions of the located information regarding the person with at least one of the plurality of data elements associated with the person retrieved from the electronic data store, wherein a portion of the located information is not represented in the plurality of data elements retrieved from the electronic data store;
verify accuracy of the located information based at least in part on the first comparison and data regarding the person obtained from at least one internet data source other than the webpage;
perform a second comparison of the creation date associated with the located information and a date stored in the electronic data store in association with the at least one of the plurality of data elements, wherein the creation date associated with the located information is different than the date stored in the electronic data store;
based on the second comparison, determine that the creation date associated with the located information regarding the person from the webpage is more recent than the date stored in the electronic data store in association with the at least one of the plurality of data elements; and
store one or more updated or appended data elements associated with the person in the electronic data store, wherein the one or more data elements are updated or appended to include at least a portion of the located information in response to determining that the located information is accurate and that the located information has a more recent creation date than the at least one of the plurality of data elements associated with the person in the electronic data store.

US Pat. No. 10,061,936

SYSTEMS AND METHODS OF IDENTITY PROTECTION AND MANAGEMENT

ConsumerInfo.com, Inc., ...

1. A method of monitoring potential identity theft threats, the method being performed by a monitoring computer having one or more computer processors, the method comprising:receiving a request, by the monitoring computer, from a user to monitor a third party account of the user with an online service provider, the request including personal information associated with the third party account;
periodically monitoring the third party account of the user for indications of changes or attempted changes to personal information associated with the third party account;
detecting a change or attempted change to personal information associated with the third party account;
determining that the detected change or attempted change is not anticipated, the determination based on pre-authorization information specified by the user, and the pre-authorization information indicating changes that are to be indicated as anticipated;
determining a risk level associated with the detected change or attempted change to personal information associated with the third party account, the determination based, at least in part, on the detected change or attempted change not being anticipated; and
transmitting to a user computing device a notification of the detected change or attempted change and the determined risk level;
receiving from the user computing device an instruction to initiate one or more protective actions in response to the detected change or attempted change; and
initiating the one or more protective actions instructed by the user.

US Pat. No. 10,043,214

SYSTEM AND METHODS FOR CREDIT DISPUTE PROCESSING, RESOLUTION, AND REPORTING

CONSUMERINFO.COM, INC., ...

1. A credit dispute resolution computing system comprising:a computer readable storage medium having software instructions stored thereon; and
one or more processors configured to execute the software instructions to cause the computing system to:
determine, from a plurality of statuses, a current status of a credit dispute request;
generate user interface data configured to be rendered as a user interface associated with the credit dispute request, wherein the user interface includes:
a plurality of visual representations of respective ones of the plurality of statuses, and
a first indicator of the current status of the credit dispute request, wherein the first indicator is positioned in the user interface in relation to the plurality of visual representations to indicate the current status of the credit dispute request;
receive, over a wired or wireless electronic communication channel, a request to access the user interface, wherein the request to access the user interface is received via selection of a first selectable link which indicates an electronic address by which the user interface may be accessed;
in response to selection of the first selectable link:
cause transmission, over the wired or wireless electronic communication channel, of the user interface data to an electronic device of a user associated with the credit dispute request; and
cause rendering and display of the user interface on the electronic device of the user;
receive additional information associated with the credit dispute request;
in response to determining that the additional information indicates a change of status of the credit dispute request:
determine, from the plurality of statuses, an updated status of the credit dispute request that is different than the current status; and
generate updated user interface data configured to be rendered as an updated user interface, wherein in the updated user interface the first indicator is repositioned in relation to the plurality of visual representations to indicate the updated status of the credit dispute request;
receive, over the wired or wireless electronic communication channel, a request to access the updated user interface, wherein the request to access the updated user interface is received via selection of a second selectable link which indicates an electronic address by which the updated user interface may be accessed; and
in response to selection of the second selectable link:
cause transmission, over the wired or wireless electronic communication channel, of the updated user interface data to the electronic device of the user; and
cause rendering and display of the updated user interface on the electronic device of the user.

US Pat. No. 10,628,448

SYSTEMS AND USER INTERFACES FOR DYNAMIC ACCESS OF MULTIPLE REMOTE DATABASES AND SYNCHRONIZATION OF DATA BASED ON USER RULES

ConsumerInfo.com, Inc., ...

1. A computing system comprising:one or more storage devices configured to store electronic software instructions; and
one or more computer processors in communication with the one or more storage devices, the one or more computer processors configured to execute the stored electronic software instructions to cause the computing system to automatically:
access, over a network, user information stored in the one or more storage devices, the user information including master data values associated with respective data fields;
access a first remote database of a plurality of remote databases over the network;
identify a remote data value in a particular data field in the first remote database;
identify a subset of the plurality of remote databases that do not include the corresponding remote data value, wherein to identify the subset comprises, for a second remote database of the plurality of remote databases:
accessing the second remote database using security protocols and/or communication protocols, over the network;
determining that the corresponding remote data value is not included in a remote data field in the second remote database corresponding to the remote data value; and
in response to determining that the remote data value is not included in the remote data field, including the second remote database in the subset of the plurality of remote databases;
for the second remote database that does not include the corresponding remote data value, initiate an update to the second remote database of the subset of the plurality of remote databases to include the corresponding remote data value, wherein to initiate an update comprises:
determine one or more security protocols and/or communication protocols for the second remote database;
determine a first profile of a plurality of profiles for updating the second remote database to include the corresponding remote data value; and
using the determined one or more security protocols and/or communication protocols, transmit the first profile to the second remote database to initiate the update to include the corresponding remote data value in the second remote database.

US Pat. No. 10,169,761

ADJUSTMENT OF KNOWLEDGE-BASED AUTHENTICATION

ConsumerInfo.com Inc., C...

1. A system comprising:a non-transitory computer-readable storage medium for a financial services server comprising computer-executable instructions that direct the financial services server to:
receive, from a consumer computing device via the Internet, a request to open a new financial account with a financial service provider;
receive, from a consumer computing device via the Internet, device identification information associated with the consumer computing device gathered through device identification information gathering code, wherein the device identification information includes one or more of:
device ID,
device location,
browser type,
browser time zone,
browser language settings,
proxy settings,
stated IP address,
real IP address,
current GPS location data; or
historical GPS location data; and
transmit, to an authentication server, a request to set authentication requirements for the consumer and information allowing the authentication server to communicate with the consumer computing device;
receive, from the authentication server, a determination of whether the consumer is authenticated; and
in response to the determination, transmit, to the financial service server, an indication of whether the consumer is authenticated, wherein the financial service server determines whether to open the new financial account for the consumer based on the transmitted indication; and
a non-transitory computer-readable storage medium for the authentication server comprises computer-executable instructions that direct the authentication server to:
receive, from the financial services server via the Internet, the request to set authentication requirements for the consumer in response to the request transmitted from the consumer computing device to open the new financial account and device identification information associated with the consumer computing device, wherein the identity of the consumer is unknown to the financial service provider;
derive one or more behaviors of the consumer based on at least the device identification information;
calculate a fraud risk of the consumer based at least on the one or more derived behaviors of the consumer, wherein respective derived behaviors indicative of potential fraud cause the fraud risk to increase and respective derived behaviors not indicative of potential fraud cause the fraud risk to decrease;
generate one or more first user interfaces for the consumer, wherein the one or more first user interfaces includes an authentication question set having one or more authentication question, the authentication question set based on the calculated fraud risk;
receive a first response from the one or more first user interfaces indicative of a consumer's response to at least a first authentication question of the authentication question set;
based at least on the consumer's response to at least a first authentication question and the associated device identification information, automatically and dynamically adjust the authentication question set by changing one or more of the authentication questions, removing one or more of the authentication questions, and/or adding an additional authentication question;
generate one or more second user interfaces for the consumer, wherein the one or more second user interfaces includes the adjusted authentication question set having at least a second authentication question;
receive a second response indicative of the consumer's response to at least the second authentication question of the adjusted authentication question set;
based at least on the first response, the second response, and the associated device identification information, determine whether the consumer is authenticated; and
transmit an indication of consumer authentication to the financial services server.

US Pat. No. 10,262,364

CARD REGISTRY SYSTEMS AND METHODS

CONSUMERINFO.COM, INC., ...

1. A computerized method comprising:automatically accessing personal information of a user including indications of one or more accounts of the user;
identifying the one or more accounts based on an assessment of the accessed personal information;
identifying a first subset of the accounts each associated with a first characteristic indicative of accounts that do not require cancellation;
identifying a second subset of the accounts each associated with a second characteristic indicative of accounts that require cancellation; and for each of the second subset of accounts:
determining a contact address of an entity originating the account; and
electronically transmitting to the contact address a request for cancellation of the account for the user with the entity originating the account.

US Pat. No. 10,176,233

LIFESCORE

CONSUMERINFO.COM, INC., ...

16. A system for determining a life score for a user, the system comprising:a data store configured to store information associated with a user;
a computing device in communication with the data store, the computing device configured to:
receive, from the user, an indication of a first life goal of the user;
determine, based on the first life goal, a first aspect of a life of the user associated with the first life goal;
determine, based on the first life goal, a first weighting for the first aspect in calculating a life score of the user;
evaluate a life score algorithm based on at least information associated with the user that is indicative of the first aspect of the life of the user and the determined first weighting, wherein the life score algorithm generates the life score of the user;
determine one or more friends of the user based on social network data of the user;
determine respective life scores of the one or more friends;
generate user interface data illustrating the life score of the user in relation to at least one life score of the one or more friends, wherein the user interface data comprises a user interface on an electronic device of the user that includes:
a visual representation of the life score of the user;
a visual representation of respective life scores of the one or more friends; and
an indication of identify of the one or more friends; and
transmitting the user interface data to a computing device of the user; and
accessing historical life score data of the user; and
accessing historical life score data of the one or more friends;
wherein the user interface further includes:
a visual representation of changes in life score of the user over a previous time period; and
a visual representation of changes in life scores of the one or more friends over the previous time period.

US Pat. No. 10,325,314

PAYMENT REPORTING SYSTEMS

CONSUMERINFO.COM, INC., ...

1. A computing system for displaying a graphical user interface for payment reporting, the computing system comprising:one or more hardware computer processors; and
one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors in order to cause the computing system to:
generate first user interface data configured to be transmitted to a computing device of a particular user, wherein the first user interface data causes the computing device of the particular user to display a first personalized interactive user interface comprising:
an indication of a first payment made to a first third-party entity; and
a first interactive user interface element for reporting one or more payments to a credit bureau, wherein the first interactive user interface element is configured to execute a payment reporting module that communicates with an external billing database;
receive from the computing device of the particular user, an indication of selection of the first interactive user interface element;
in response to receiving the indication of selection of the first interactive user interface element,
accessing one or more payment records for the particular user from the external billing database including a second payment made to a second third-party entity associated with the external billing database;
generate second user interface data;
transmit the second user interface data to the computing device of the particular user, wherein the second user interface data causes the computing device of the particular user to display a second personalized interactive user interface comprising a limited list of data of the one or more payment records, including:
an indication of the first payment;
an indication of the second payment;
a second interactive user interface element for selecting the first and/or second payment; and
a third interactive user interface element for initiating reporting of the selected payments to the credit bureau;
receive an indication that the first or second payment has been reported to one or more credit bureaus; and
transmit, to the first or second third-party entity, an indication that the first or second payment has been reported, respectively.

US Pat. No. 10,019,508

KEEPING UP WITH THE JONESES

ConsumerInfo.com, Inc., ...

1. A server computing system for providing user comparison information to a user, the server computing system comprising:a demographic database storing demographic attributes associated with a plurality of users;
a non-transitory computer readable storage device configured to store software instructions;
a computer processor configured to execute the software instructions to:
serve a website or mobile application content including user interface content renderable on a user computing device, wherein the user interface content comprises dynamic user interface controls for
receiving identification information of the user,
presenting identification information of a comparison individual, and
presenting a first category of demographic attributes and a second category of demographic attributes, wherein the first category of demographic attributes comprises first demographic attributes and the second category of demographic attributes comprises second demographic attributes;
communicate the website or mobile application content to the user computing device, wherein the user computing device renders the website or mobile application content to display the user interface content;
receive the identification information of the user, wherein the identification information is inputted via the dynamic user interface controls on the user computing device;
access first demographic data of the user from the demographic database based on the identification information, the first demographic data comprising data associated with the user in the first category of demographic attributes and associated with the user in the second category of demographic attributes;
access second demographic data of the comparison individual from the demographic database, the second demographic data comprising data associated with the comparison individual in the first category of demographic attributes and associated with the comparison individual in the second category of demographic attributes;
access a data structure storing information regarding most favorable levels of the first category of demographic attributes and the second category of demographic attributes, wherein for the first category of demographic attributes, the data structure indicates that higher numerical values of the first demographic attributes are more favorable and for the second category of demographic attributes, the data structure indicates that lower numerical values of the second demographic attributes are more favorable;
compare first values of the first demographic attributes in the first category of demographic attributes associated with the user with second values of the first demographic attributes in the first category of demographic attributes associated with the comparison individual to determine which of either the user or the comparison individual has a most favorable level associated with the first category;
compare third values of the second demographic attributes in the second category of demographic attributes associated with the user with fourth values of the second demographic attributes in the second category of demographic attributes associated with the comparison individual to determine which of either the user or the comparison individual has a most favorable level associated with the second category;
serve an updated website or mobile application content including updated user interface content including:
a first comparison result of the first category of demographic attributes wherein the first comparison result is generated based on comparisons between first demographic attributes of the user and the first demographic attributes of the comparison individual,
a second comparison result of the second category of demographic attributes wherein the second comparison result is generated based on comparisons between second demographic attributes of the user and the second demographic attributes of the comparison individual, and
a visual indication of which of the user or the comparison individual is associated with the most favorable level for the first category or the most favorable level for the second category; and
communicate the updated website or mobile application content to the user computing device, wherein the updated website or mobile application content is renderable by the user computing device to display the updated user interface content.

US Pat. No. 10,366,450

CREDIT DATA ANALYSIS

ConsumerInfo.com, Inc., ...

1. A computer-implemented method comprising:as implemented by one or more computer systems comprising computer hardware and memory, the one or more computer systems configured with specific executable instructions,
receiving, by the one or more computer systems, one or more voice commands from a requestor;
triggering, based on the one or more voice commands, a request for an electronic consumer credit analysis; accessing, from one or more electronic data stores, consumer credit data associated with a plurality of consumers with each of the consumers being associated with a same demographic and/or geographic information as the requestor, wherein the requestor is one of the plurality of consumers;
designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;
obtaining, for each of a plurality of credit categories, an aggregated high scorers score indicative of consumer credit data associated with the plurality of high scorers;
accessing a data structure associated with maintaining explanatory text; and
providing, by the computing systems for auditory output via a speaker associated with a user device of the requestor, the electronic consumer credit analysis including for at least one of the plurality of credit categories: explanatory text associated with the credit category, the aggregated high scorers score for the credit category, and consumer credit data associated with the requestor for the credit category, wherein the one or more computer systems are configured to respond to user input associated with the electronic consumer credit analysis, the user input comprising voice commands received from the user device of the requestor.

US Pat. No. 10,102,570

ACCOUNT VULNERABILITY ALERTS

ConsumerInfo.com, Inc., ...

1. A system for assessing an account takeover risk of one or more online accounts of a user, the account takeover risk indicating likelihood of an unauthorized user determining access credentials of one or more online accounts of the user, the system comprising:a data store that stores account information associated with a plurality of online accounts, wherein the plurality of online accounts includes two or more online accounts of a user and a plurality of additional online accounts of users other than the user, wherein the two or more online accounts of the user includes a first online account with a first service provider and a second online account with a second service provider; and
a computing device in communication with the data store, the computing device configured to execute software instructions stored in a non-transitory computer readable medium to:
determine, based on account information associated with online accounts with the first service provider of one or more additional users other than the user, at least a first security question identified as being presented by the first service provider to one or more of the additional users previously;
determine, based on account information associated with online accounts with the second service provider of one or more additional users other than the user, at least a second security question identified as being presented by the second service provider to one or more of the additional users previously;
scanning one or more social media networks for publicly accessible data associated with the user responsive to the first security question or the second security question, wherein identification of publicly accessible data responsive to the first security question or the second security question indicates an account takeover risk;
accessing each of the two or more of the plurality of accounts over a network using associated user login credentials of the user associated with the respective accounts;
determining account relationship information comprising a plurality of links between respective of the online accounts, wherein a first link between a first online account and a second online account indicates a common account takeover vulnerability comprising at least one of:
(a) the first online account and second online account are configured to send account authentication messages to a same device or same email address, or
(b) the first online account and second online account share a password,
wherein the account relationship information is generated at least in part by account information obtained via the automated accessing of the two or more of the plurality of accounts over a network using associated user login credentials;
determine one or more vulnerabilities to hostile account takeover of the respective online accounts of the user, wherein the one or more vulnerabilities are determined based at least in part on the account relationship information and any account takeover risk associated with identification of publicly accessible data responsive to the first or second security questions; and electronically provide the user with an alert regarding the determined one or more vulnerabilities; and
electronically provide the user with an alert regarding the determined one or more vulnerabilities;
determine one or more remedial actions taken by the user associated with the determined one or more vulnerabilities;
electronically provide the user via user interface, an indication of the determined remedial actions; and
provide the user with an option to electronically adjust alert settings, including a risk severity setting indicating a severity of determined vulnerabilities.

US Pat. No. 10,671,749

AUTHENTICATED ACCESS AND AGGREGATION DATABASE PLATFORM

ConsumerInfo.com, Inc., ...

1. A computerized method performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage devices storing software instructions executable by the computing system to perform the computerized method comprising:receiving, via network communication with a user computing device:
selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device;
credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), a plurality of data items associated with the user stored in one or more databases associated with the selected third-party entity;
transmitting at least an API token associated with the selected third-party and the credentials to one or more databases associated with the selected third-party entity;
accessing a plurality of data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity;
selecting a first data item of the plurality of data items;
determining a recipient identified in the first data item;
identifying a subset of data items each indicating the determined recipient, wherein the subset of data items includes at least the first data item and one or more other data items;
determining, based at least on the identified subset of data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of:
a number of data items each having time stamps within a predetermined time period;
average number of days between time stamps of sequential data items;
applying a first account identification rule, associated with a first account type, to the account data;
determine, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is the first type of account;
in response to determining that the first confidence level is above a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user;
receiving, from the user computing device, confirmation that the account of the user is the first type of account;
receiving, from the user computing device, a request to add the account with the recipient to risk data associated with the user at a secured third-party risk database;
generating, based on portions of the plurality of data items and the account data associated with the recipient, an account creation data package, the account creation data package formatted for ingestion at the secured third-party risk database to initiate addition of the account to risk data of the user;
identifying a security key associated with the secured third-party risk database;
transmitting the security key and the account creation data package to the third-party risk database via a secure communication channel established with the third-party risk database;
requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of data items or the account data included in the risk data of the user; and
providing risk score change information to the user computing device.

US Pat. No. 10,642,999

SYSTEMS AND METHODS OF IDENTITY PROTECTION AND MANAGEMENT

ConsumerInfo.com, Inc., ...

1. A method of efficiently protecting against electronic threats, the method being performed by a system of one or more computer processors, the method comprising:receiving a request, by the system, from a user to monitor personal information stored by different online server providers;
periodically accessing information indicative of the personal information stored by the online service providers, and indicating whether changes or attempted changes were made to the personal information;
triggering, by the system and based on the periodic access, an event for processing, the event identifying a detected change or attempted change, and the event causing determination of one or more of a risk level associated with the detected change or protective actions to be applied to at least one user account; and
notifying, by the system, the user regarding the detected change or attempted change.

US Pat. No. 10,565,643

SYSTEMS AND METHODS OF PRESENTING SIMULATED CREDIT SCORE INFORMATION

CONSUMERINFO.COM, INC., ...

1. A system for automatically calculating credit score simulation information associated with a user, the system comprising:a credit simulator server comprising one or more hardware processors configured to:
access first credit data of a first user from an electronic data warehouse storing credit data of a plurality of users;
calculate a plurality of simulated credit scores associated with a corresponding predefined plurality of credit score simulation scenarios, each credit score simulation scenario associated with respective credit score simulation parameters,
wherein the plurality of simulated credit scores are based on the first credit data of the first user and the credit score simulation parameters associated with the respective credit score simulation scenario;
construct user interface data including a listing of the plurality of credit score simulation scenarios and the corresponding plurality of simulated credit scores calculated for the credit score simulation scenarios; and
transmit the constructed user interface data to a computing device; and
the computing device comprising a display and one or more hardware processors configured to:
display the constructed user interface data on the display;
detect selection of a first user interface control associated with a first predefined credit score simulation scenario of the plurality of credit score simulation scenarios;
in response to selection of the first user interface control, determine whether a first expanded scenario information corresponding to the first predefined credit score simulation scenario is cached on the computing device, the first expanded scenario information including one or more additional simulated credit scores based on the first credit data of the first user; and
in response to determining that the first expanded scenario information is not cached on the computing device, transmitting a request to the credit simulation server for the first expanded scenario information corresponding to the first predefined credit score simulation scenario.

US Pat. No. 10,685,336

AUTHENTICATION ALERTS

Consumerinfo.com, Inc., ...

1. A computing system comprising:a data store that stores information associated with individuals enrolled in a monitoring service; and
a computing device, comprising at least one physical processor, that is in communication with the data store and that is configured to perform operations comprising:
receiving information identifying an individual for whom an authentication request has been received in association with a request from a requesting entity that received the information in real time from a person alleging to be the individual, wherein the received information includes an identifier identifying the requesting entity;
retrieving a contact preference associated with the individual from the data store, wherein the contact preference indicates that alerts to the individual are to be delivered by at least one of a text message to a mobile device of the individual or a push alert delivered via an application executed on the mobile device of the individual, wherein the contact preference is retrieved based at least in part by matching information stored in the data store with the information identifying the individual received in association with the authentication request;
retrieving an entity name associated with the requesting entity based on the identifier;
sending an electronic notification to the mobile device of the individual as at least one of a text message or push alert according to the contact preference, wherein the electronic notification provides notification to the individual that an authentication request was received regarding the individual and includes at least the entity name, wherein the electronic notification requests confirmation that the person alleging to be the individual is actually the individual;
determining that the authentication request is not authorized based at least in part on one of: (a) a response to the electronic notification from the mobile device of the individual, or (b) expiration of a response time limit; and
in response to determining that the authentication request is not authorized, providing a notification to the requesting entity indicating fraudulent use of identity information of the individual in association with the authentication request.

US Pat. No. 10,614,519

CARD REGISTRY SYSTEMS AND METHODS

ConsumerInfo.com, Inc., ...

1. A computerized method comprising:accessing credit information of a user;
identifying credit card accounts of the user based at least on the credit information of the user;
providing a user interface indicating the credit card accounts to the user;
receiving a first selection of one or more of the credit card accounts from the user via the user interface;
for each credit card account of the first selected one or more credit card accounts:
determining a contact address of an entity originating the credit card account; and
electronically transmitting to the contact address a request for cancellation of the credit card account on behalf of the user.

US Pat. No. 10,269,065

BILL PAYMENT AND REPORTING

CONSUMERINFO.COM, INC., ...

1. A computing system comprising:a computer processor configured to execute instructions associated with:
an account data gathering system,
a user interface system,
a payment system,
a payment reporting system, and
an alert system;
the account data gathering system configured to:
gather credit data associated with a user from a credit bureau, wherein the credit data comprises information on a first account of the user with a first creditor, a second account of the user with a second creditor, and a current credit score of the user; and
identify the first account, the first creditor, the second account, and the second creditor from the credit data;
the user interface system configured to:
generate user interface data executable to present a user interface indicating the current credit score of the user, the first account associated with the first creditor and the second account associated with the second creditor;
generate, as part of the user interface, a first payment button associated with the first account, wherein the first payment button is configured to:
enable the user to initiate a first payment to the first creditor associated with the first account; and
report the first payment to the credit bureau;
generate, as part of the user interface, a first payment source selection interface element configured to receive selection of one or more of a plurality of payment accounts of the user from which the first payment to the first creditor is to be drawn;
generate, as part of the user interface, a second payment button associated with the second account, wherein the second payment button is configured to:
enable the user to initiate a second payment to the second creditor associated with the second account; and
report the second payment to the credit bureau;
generate, as part of the user interface, a second payment source selection interface element configured to receive selection of one or more of the plurality of payment accounts of the user from which the second payment to the second creditor is to be drawn;
receive, via inputs from the user in the user interface, a selection of the first payment button, a first payment account of the plurality of payment accounts, the second payment button, and a second payment account of the plurality of payment accounts; and
communicate the selection to the payment system;
the payment system configured to, in response to receiving the selection from the user interface system:
generate a first payment instruction for transferring of a first payment amount from the first payment account of the user to the first creditor;
initiate the first payment to the first creditor using the first payment instruction;
generate a second payment instruction for transferring of a second payment amount from the second payment account of the user to the second creditor; and
initiate the second payment to the first creditor using the second payment instruction;
the payment reporting system configured to:
generate aggregate payment data including indications of the first payment to the first creditor and the second payment to the second creditor;
transmit the aggregate payment data to the credit bureau; and
communicate the aggregate payment data to the alert system;
the alert system configured to:
determine an expected credit score by determining an expected impact on a current credit score of the user in response to the first payment to the first creditor and the second payment to the second creditor;
generate an alert for delivery to a user computing device,
the alert configured to display, on the user computing device, the expected credit score, wherein the expected credit score is different from the current credit score, and
the alert including instructions for activating an application on the user computing device to enable a connection with the computing system to cause details of the aggregate payment data including the indications of the first payment to the first creditor and the second payment to the second creditor to be displayed; and
cause transmission of the alert to the user computing device over a wireless communication channel.

US Pat. No. 10,685,398

PRESENTING CREDIT SCORE INFORMATION

ConsumerInfo.com, Inc., ...

1. A computing system comprising:one or more hardware computer processors;
one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors to cause the computing system to:
access credit data of a user;
identify a plurality of financial accounts of the user included in the accessed credit data;
for each of the plurality of financial accounts:
determine account information including a limited subset of the accessed credit data;
determine a potential impact on a credit score of the user based on an inquiry associated with the financial account, wherein, if the inquiry is dated less than a threshold time period before a current date, the potential impact is negative;
in response to determining, for a first of the plurality of financial accounts, that an associated potential impact is negative:
transmit an alert to the user;
generate a user interface comprising, for each of the plurality of financial accounts, a corresponding plurality of substantially rectangular tiles that are each independently selectable by the user, at least some of the tiles indicating:
the account information for the financial account;
an indicator of the determined potential impact on the credit score of the inquiry associated with the financial account; and
an estimated date that the inquiry will no longer negatively impact the credit score based on the threshold time period that and the date of the inquiry;
wherein the plurality of tiles are arranged according to respective determined potential impacts;
receive an indication of selection of a first tile of the plurality of tiles from a user computing device;
determine, by the one or more hardware computer processors, one or more credit events having potentially negative impacts on the credit score; and
in response to the indication of selection of the first tile, automatically generate a contextual credit menu user interface element configured to display one or more selectable links associated with the determined credit events having potentially negative impacts on the credit score, the selectable links configured to launch an application to perform one or more functions when selected by the user, the one or more functions including:
initiating a telephone call to an entity associated with the credit event;
facilitating a payment;
creating an action item for the financial account; or
filing a dispute.

US Pat. No. 10,277,659

AGGREGATING USER WEB BROWSING DATA

ConsumerInfo.com, Inc., ...

1. A computing system comprising:one or more hardware computer processors;
one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the computing system to:
for each of a plurality of web sites:
access encoded internet activity data associated with a user, the encoded internet activity data accessed from at least one of the following:
one or more computing devices associated with the user, or
the website;
obtain instructions for decoding encoded internet activity data from the website;
determine one or more characteristics of the user by decoding the accessed encoded internet activity data using the instructions obtained from the website,
wherein the one or more characteristics include one or more of an amount of time spent on the website, user preferences when the user visits the website, web browsing activity, name, age, gender, music preferences, interests, hobbies, or other personal information of the user;
associate the one or more characteristics of the user with an identity of the user;
create or update a supercookie of the user, the supercookie comprising:
the identity of the user; and
the one or more characteristics associated with the user; and
in response to requests for information regarding the user from a requesting entity, provide at least some of the determined one or more characteristics included in the supercookie to the requesting entity.

US Pat. No. 10,798,197

LIFESCORE

ConsumerInfo.com, Inc., ...

1. A system for determining a score for a user, the system comprising:a data store configured to store information associated with a user;
a computing device in communication with the data store, the computing device configured to:
receive, from the user, an indication of a first life goal of the user;
receive a first score of the user based on a score algorithm, wherein the score algorithm generates the first score for the user based on information associated with the user;
identify an aspect that is used in the scoring algorithm to determine the first score, wherein the aspect corresponds to a characteristic of the first life goal;
determine a recommendation with respect to the aspect, wherein the recommendation suggests that the user provide additional information in order to increase the first score of the user;
provide the recommendation to the user to provide additional information related to the aspect in order to increase the first score of the user;
receive the additional information related to the aspect from the user, wherein the received additional information enables the system to access one or more third party databases that include information associated with the user related to the aspect;
receive third party data from at least a subset of the one or more third party databases based on the received additional information;
obtain an updated first score of the user based on the scoring algorithm using the third party data; and
identify a targeted advertisement offer based on the updated first score, wherein the targeted advertisement offer is related to the received first life goal of the user.

US Pat. No. 10,909,617

INDIRECT MONITORING AND REPORTING OF A USER'S CREDIT DATA

ConsumerInfo.com, Inc., ...

1. A method comprising:providing user interface data to a user computing device for enrollment of a user of the user computing device in a credit monitoring service;
receiving a request to begin enrollment of the user in the credit monitoring service;
receiving identifying information relating to the user from user input in a first web page corresponding to the user interface data, the first web page for presentation to the user via the user computing device and requesting identifying information sufficient to authorize reporting, to the user, a credit history of the user;
determining that the identifying information relating to the user is not sufficient to authorize reporting of the credit history to the user; and
in response to determining that the identifying information is not sufficient:
identifying the user as an incomplete enrollee of the credit monitoring service;
periodically monitoring credit history of the user to identify detailed information regarding credit history events; and
in response to identifying a credit history event in the credit history of the user:
transmitting to the user computing device of the user, an alert message regarding the credit history event, wherein in response to receiving the alert message, the user computing device displays:
only a portion of the detailed information regarding the credit history event;
an option to complete enrollment in the credit monitoring service; and
an option to access a second web page indicating the information lacking to become a complete enrollee;
receiving from the user the lacking information; and
transmitting to the user the detailed information regarding the credit history event in response to the user completing enrollment in the credit monitoring service.

US Pat. No. 10,740,762

ADJUSTMENT OF KNOWLEDGE-BASED AUTHENTICATION

ConsumerInfo.com, Inc., ...

1. A system comprising:one or more processors; and
a non-transitory computer-readable storage medium storing computer-executable instructions that cause the one or more processors to:
receive an indication of a request initiated by a computing device for a financial service provided by a financial service provider;
receive device information associated with the computing device gathered through device information gathering code executed by the computing device, wherein the device information includes at least one or more of:
a device identifier for the computing device,
device location,
browser type,
browser time zone,
browser language settings,
proxy settings,
stated IP address,
real IP address,
current GPS location data, or
historical GPS location data;
determine a fraud risk for a consumer, wherein an identity of the consumer is unknown to the financial service provider, wherein the fraud risk is based on one or more potential fraud behaviors derived from at least the device information; and
in response to the fraud risk meeting a threshold, transmit to the computing device an authentication question set for display in one or more user interfaces by the computing device, wherein the authentication question set comprises one or more authentication questions, and wherein the one or more authentication questions are selected based at least in part on the fraud risk.

US Pat. No. 10,453,159

DIGITAL IDENTITY

ConsumerInfo.com, Inc., ...

1. A computing system for managing a digital identification of an individual, the computer system comprising:a computer readable storage medium having stored thereon program instructions; and
one or more computer processors configured to execute the program instructions to cause the computing system to:
receive a request to validate a form of identification of an individual, wherein the form of identification includes a set of personally identifying information that includes at least a name and a photograph of the individual;
access consumer profile data associated with the individual in a validated identification data store, the validated identification data store including validated identification data associated with the individual;
determine whether there is a validated ID token associated with the accessed consumer profile data; and
in response to determining that there is no validated ID token associated with the accessed consumer profile data:
extract at least a portion of the set of personally identifying information from the form of identification;
based at least in part on a determination that the at least a portion of the set of personally identifying information matches at least a portion of the accessed consumer profile data, generate the validated ID token, wherein the validated ID token is specific to the individual and is usable to authenticate the individual;
store, in the validated identification data store, an association between the validated ID token and the accessed consumer profile data; and
transmit a response to the request that includes the validated ID token.

US Pat. No. 10,621,657

SYSTEMS AND METHODS OF CREDIT INFORMATION REPORTING

CONSUMERINFO.COM, INC., ...

1. A method comprising:receiving, using a computing system with a hardware computer processor, one or more custom settings of an individual indicating conditions of credit balance migrations to trigger alerts to the individual;
continuously monitoring, using the computing system, credit information of the individual from a credit bureau to determine whether the conditions are met, the credit information indicating a plurality of credit lines associated with the individual;
in response to determining during monitoring that at least one condition of the conditions in the one or more custom settings is met, automatically:
identifying, using the computing system, credit lines of the plurality of credit lines that are associated with respective debt categories of a plurality of debt categories;
determining, using the computing system, amounts of unused available credit for individual debt categories; and
transmitting a notification including the determined amounts of unused available credit for the individual debt categories.

US Pat. No. 10,482,532

PROVIDING CREDIT DATA IN SEARCH RESULTS

CONSUMERINFO.COM, INC., ...

1. A computing system comprising:one or more hardware computer processors; and
one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors to cause the computing system to:
receive, from a user computing device, instructions to access information over a network;
access information according to the instructions received from the user computing device;
access a data structure comprising a plurality of terms, wherein the terms are related to credit data or affecting credit data;
parse the received instructions or the accessed information to identify any of the terms in the data structure that are included in the received instructions or the accessed information;
based at least on the identified any of the terms included in the received instructions or the accessed information, determining that credit data information of the user is to be provided to the user, and
in response to determining that the credit data information of the user is to be provided to the user based at least on identifying any of the terms included in the received instructions or the accessed information in the terms related to credit data or affecting credit data in the data structure:
receive one or more indications that the computing system has previously authenticated the user on the user computing device;
provide the user with a first access control configured to receive one or more user identity confirming inputs;
receive the one or more user identity confirming inputs, including an answer to a security question;
determine whether the one or more user identity confirming inputs authenticate the user using the one or more hardware computer processors; and
in response to determining that the user is authenticated:
retrieve, from a credit bureau, personalized credit data of the user; and
automatically generate and transmit a page to the user computing device, the page comprising:
 at least a portion of the personalized credit data of the user, and
 at least a portion of the accessed information; or
in response to determining that the user is not authenticated:
transmit a page to the user computing device, the page comprising at least a portion of the accessed information.

US Pat. No. 11,030,562

PRE-DATA BREACH MONITORING

ConsumerInfo.com, Inc., ...

1. A computer-implemented method of monitoring online data to predict portions of data associated with a company that are at risk for data breach, the method comprising:receiving a scan list comprising information regarding a plurality of individuals associated with the company;
periodically automatically scanning a plurality of data sources for information regarding the plurality of individuals on the scan list, wherein the plurality of data sources that are automatically scanned include public internet data sources and dark web data sources that are only accessible via particular browsing software, wherein automatically scanning the dark web data sources comprises:
executing a particular browser that is configured to access dark address space that is not accessible via a standard browser configured to access the public internet data sources; and
scanning at least a subset of the dark address space accessed via execution of the particular browser for at least a portion of data regarding the plurality of individuals on the scan list;
periodically automatically scanning the plurality of data sources with respect to other individuals associated with each of a plurality of other companies, wherein the plurality of other companies are similar to the company in one or more categories, the one or more categories comprising at least one of a vertical market, a number of employees, or a geographic region;
identifying, for each of a plurality of data breach risk categories, a quantity of located data regarding the individuals associated with the company across the plurality of data sources;
for each of the plurality of data breach risk categories, determining a difference between the quantity of located data and a quantity of located data identified in one or more previous scans of the plurality of data sources with respect to the company;
generating a data breach risk score for the company based at least in part on the differences between the quantity of located data and the quantity of located data identified in the one or more previous scans;
comparing the data breach risk score for the company to data breach risk scores determined for the plurality of other companies that are similar to the company;
determining that the company may be subject to a potential data breach based at least in part on the data breach score risk for the company;
tracking the potential data breach to a particular data source holding a portion of data associated with one or more of the individuals on the scan list; and
providing a notification to the company that one or more data sources associated with the company may be subject to the potential data breach, wherein providing the notification includes providing indication of the particular data source.

US Pat. No. 10,880,313

DATABASE PLATFORM FOR REALTIME UPDATING OF USER DATA FROM THIRD PARTY SOURCES

CONSUMERINFO.COM, INC., ...

1. A computerized method, performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage device storing software instructions executable by the computing system to perform the computerized method comprising:receiving authentication information from a user computing device, the authentication information including at least a name and address of a user;
transmitting, to a secured third party risk system, a request for execution of a risk scoring algorithm to determine a current risk score of the user based at least on risk data of the user to the secured third-party risk system;
receiving, from the secured third-party risk system, the current risk score of the user;
accessing an item database including information associated with a plurality of items and, for each item, an associated criteria for matching the item with users;
querying the item database with at least the current risk score of the user;
receiving, in response to said querying the item database, information indicating:
a first one or more items matched to the user based on the current risk score; and
a second one or more items not matched to the user based on the current risk score;
generating interactive user interface data configured to display an interactive user interface on the user computing device, the user interface depicting information regarding at least one of the first one or more items;
determining an estimated risk score of the user based on potential addition of a new account of the user to risk data of the user;
in response to determining that at least one of the second one or more items would be matched to the user based on the estimated risk score, providing an option to the user in the interactive user interface to initiate updates to risk data of the user;
in response to receiving an indication of selection of the option in the interactive user interface on the user computing device, initiating communication between the user computing device and an account discovery system, wherein the account discovery system is configured to
receive, via network communication with the user computing device,
selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device; and
credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), data items associated with the user stored in one or more databases associated with the selected third-party entity;
transmit at least an API token associated with the selected third-party and the credential to one or more databases associated with the selected third-party entity;
access a plurality of data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity; and
identify a new account of the user through analysis of the plurality of data items;
transmitting, to the secured third-party risk system, a second request for execution of the risk scoring algorithm to determine an updated risk score of the user based at least on risk data of the user, including information regarding the new account of the user, at the secured third-party risk system;
receiving, from the secured third-party risk system, the updated risk score of the user;
querying the item database with at least the updated risk score of the user;
receiving, in response to said querying the item database, information indicating that at least one of the second one or more items matched to the user based on the updated risk score; and
updating the interactive user interface data to depict information regarding the at least one of the second one or more items in the user interface on the user computing device.

US Pat. No. 10,878,499

CARD REGISTRY SYSTEMS AND METHODS

ConsumerInfo.com, Inc., ...

1. A computerized method comprising:accessing debit account information of a user from a source other than a credit file of the user;
determining a first account that is identified in the debit account information and not included in the credit file of the user;
providing a user interface that includes a selectable option to add the first account of the user to the credit file;
receiving an indication of a user selection of the selectable option via the user interface; and
based on the received indication, initiating addition of the first account to a database of a credit bureau.