Credit score goals and alerts systems and methods

Patent metadata

Field	Value
Publication number	US-11132742-B1
Application number	US-201715811410-A
Country	US
Kind code	B1
Filing date	Nov 13, 2017
Priority date	Nov 30, 2012
Publication date	Sep 28, 2021
Grant date	Sep 28, 2021

Abstract

Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.

First claim

What is claimed is:

1. A computer-implemented method comprising:
by a user device of one or more computer processors, the user device configured to execute a mobile application,
providing a request to a system via a network for credit information associated with a user;
receiving the credit information from the system via the network;
dynamically generating, based on received credit information, an interactive user interface configured for display on the user device, the interactive user interface enabling adjustment of time periods for a credit score line graph, and the interactive user interface including:
the credit score line graph presenting changes to the user's credit score during a period of time,
an interactive slide-based user interface element comprising a selectable slide element configured to adjust to any period in time between a minimum and maximum time, and
a selectable user interface element for adjusting a position of a threshold credit line, wherein the position of the threshold credit line is set at a user configurable credit score,
wherein the interactive user interface is configured to generate an updated credit score line graph to display (a) changes to the user's credit score during a different period of time in response to user input sliding the selectable slide element to the different period of time and (b) the threshold credit line at a position corresponding to a current setting of the user configurable credit score,
wherein the credit score line graph comprises a plurality of color indicators, each color indicator representing a different credit risk level, wherein each credit risk level is associated with a different range of credit scores;
wherein the user's current credit score is monitored for a change beyond the threshold credit line; and
in response to the user's current credit score meeting the threshold credit line, displaying a notification within an additional user interface presented by the user device.

2. The method of claim 1 , wherein the request indicates authentication information associated with a user, and wherein based on the user being authenticated, the system provides information to be pre-populated in the interactive user interface.

3. The method of claim 1 , wherein the method further comprises:
receiving user input indicating a particular credit score to be designated as a credit score threshold;
generating, in the interactive user interface, a user-adjustable threshold line to indicate the particular credit score; and
selecting, based on the particular credit score, a visual characteristic to be applied to the display of the user-adjustable threshold.

4. The method of claim 3 , wherein a credit score range is determined for the particular credit score, and wherein the visual characteristic is selected according to the credit score range.

5. The method of claim 4 , wherein the visual characteristic comprises a color, such that a risk associated with the particular credit score is readily identifiable.

6. The method of claim 1 , wherein the interactive user interface is configured to present information enabling the user to specify notification preferences, and wherein the presented information comprises a mini-graph displaying the user's current credit score and one or more user-adjustable threshold lines.

7. The method of claim 1 , wherein
the notification enables a networked connection to the system, wherein providing the notification comprises:
receiving information from the system; and
activating, based on the received information, an application on the user device to cause presentation of the notification.

8. The method of claim 1 , wherein the provided notification comprises an indication of a current credit score, a percentage increase or decrease in the current credit score until the credit score threshold is reached.

9. A system comprising one or more processors and computer-storage media storing instructions that, when executed by the processors, cause the processors to perform operations comprising:
providing a request via a network to a credit data source for credit information associated with a user;
receiving the credit information from the credit data source via the network;
dynamically generating, based on received credit information, an interactive user interface configured for display on a user device, the interactive user interface enabling adjustment of time periods for a credit score line graph and the interactive user interface including:
the credit score line graph presenting changes to the user's credit score during a period of time,
an interactive slide-based user interface element comprising a selectable slide element configured to adjust to any period in time between a minimum and maximum time, and
a selectable user interface element for adjusting a position of a threshold credit line, wherein the position of the threshold credit line is set at a user configurable credit score,
wherein the interactive user interface is configured to generate an updated credit score line graph to display changes to the user's credit score during a different period of time in response to user input sliding the selectable slide element to the different period of time and (b) the threshold credit line at a position corresponding to a current setting of the user configurable credit score,
wherein the credit score line graph comprises a plurality of color indicators, each color indicator representing a different credit risk level for various credit scores,
wherein the user's current credit score is monitored for a change beyond the threshold credit line;
and in response to the user's current credit score meeting the threshold credit line, causing display of a notification within an additional user interface presented by the user device.

10. The system of claim 9 , wherein user input comprises voice commands, and wherein the operations further comprise generating and updating a user-adjustable threshold line based on the user input, wherein updating the user-adjustable threshold line comprises:
receiving user input indicating a particular credit score to be designated as a credit score threshold;
updating, in the interactive user interface, the user-adjustable threshold line to indicate the particular credit score; and
selecting, based on the particular credit score, a visual characteristic to be applied to the display of the user-adjustable threshold.

11. The system of claim 10 , wherein a credit score range is determined for the particular credit score, wherein the visual characteristic is selected according to the credit score range, and wherein the visual characteristic comprises a color, such that a risk associated with the particular credit score is readily identifiable.

12. The system of claim 9 , wherein the interactive user interface is configured to present information enabling the user to specify notification preferences, and wherein the presented information comprises a mini-graph displaying the user's current credit score and one or more user-adjustable threshold lines.

13. The system of claim 9 , wherein
the notification enables a networked connection to the system, wherein providing the notification comprises:
receiving information from the system; and
activating, based on the received information, an application on the system to cause presentation of the notification.

14. The system of claim 13 , wherein the presented notification comprises an indication of a current credit score, a percentage increase or decrease in the current credit score until the credit score threshold is reached.

15. A non-transi

Assignees

• Consumerinfo Com Inc
• Consumerlnfo Com Inc

Inventors

• Wasser Jeremy
• Felice-Steele Michelle
• Nies Melinda
• Giltner Luke

Classifications

• G06T11/26

  Drawing of charts or graphs · CPC title

• G06T11/10

  Texturing; Colouring; Generation of textures or colours (retouching, inpainting or scratch removal G06T5/77) · CPC title

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title

• G06F3/0488 Primary

  using a touch-screen or digitiser, e.g. input of commands through traced gestures · CPC title

• G06T2200/24

  involving graphical user interfaces [GUIs] · CPC title