Credit score goals and alerts systems and methods

Patent metadata

Field	Value
Publication number	US-11651426-B1
Application number	US-202117445127-A
Country	US
Kind code	B1
Filing date	Aug 16, 2021
Priority date	Nov 30, 2012
Publication date	May 16, 2023
Grant date	May 16, 2023

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:
dynamically generating, by a processor, based on credit information of a user, an interactive user interface configured for display on a user device of the user, the interactive user interface enabling adjustment of a threshold credit score line, the interactive user interface including:
a credit score line graph presenting changes to a credit score of the user during a period of time,
a position of the threshold credit score line, and
a selectable user interface element for adjusting the position of the threshold credit score line, wherein the adjusted position of the threshold credit score line is set at a user configurable credit score;

monitoring, by the processor via a network, the user's credit score for a changed score that meets a value of the threshold credit score line; and
in response to the user's credit score meeting the value of the threshold credit score line, causing display of a notification presented by the user device, wherein the notification includes an indication that the user's credit score met the value of the threshold credit score line.

2. The computer-implemented method of claim 1 , wherein the notification is displayed within an additional user interface presented by the user device.

3. The computer-implemented method of claim 1 , wherein the interactive user interface is configured to generate an updated credit score line graph to display the threshold credit score line at a position corresponding to a current setting of the user configurable credit score.

4. The computer-implemented method of claim 1 , wherein the user device comprises a mobile device, wherein the interactive user interface is displayed by a mobile device application.

5. The computer-implemented method of claim 1 , the method further comprising: providing a request to a system via a network for the credit information associated with the user; and receiving the credit information from the system via the network.

6. The computer-implemented method of claim 1 , wherein the interactive user interface further includes an interactive user interface element comprising a selectable element configured to adjust to the period in time.

7. The computer-implemented method of claim 6 , wherein the interactive user interface element is a slide-based element, and the selectable element is a slide element.

8. The computer-implemented method of claim 6 , wherein the interactive user interface element adjusts a minimum or maximum time of the period of time.

9. The computer-implemented method of claim 1 , 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.

10. A system, the system comprising:
a memory; and
one or more processors configured by specific executable instructions to:
dynamically generate, based on credit information of a user, an interactive user interface configured for display on a user device of the user, the interactive user interface enabling adjustment of a threshold credit score line, the interactive user interface including:
a credit score line graph presenting changes to a credit score of the user during a period of time, and
a selectable user interface element for adjusting a position of the threshold credit score line, wherein the adjusted position of the threshold credit score line is set at a user configurable credit score;

monitor, via network, the user's credit score for a changed credit score that meets a value of the threshold credit score line; and
in response to the user's credit score meeting the value of the threshold credit score line, cause display of a notification presented by the user device, wherein the notification includes an indication that the user's credit score met the value of the threshold credit score line.

11. The system of claim 10 , wherein the interactive user interface is configured to display a user interface portion overlaid over the credit score line graph, the user interface portion displaying a credit score on a point on the credit score line graph.

12. The system of claim 10 , wherein the one or more processors are further configured to:
receive an indication of a threshold credit score from a user;
determine that a credit score meets the threshold credit score based on continuously monitoring of the user's credit score; and
transmit an alert to the user indicating that the threshold credit score has been met.

13. The system of claim 10 , wherein the one or more processors are further configured to:
receive an indication of a threshold credit score change from a user;
determine that a credit score meets the threshold credit score change based on continuously monitoring of the user's credit score; and
transmit an alert to the user indicating that the threshold credit score change has been met.

14. A non-transitory computer storage medium which stores a client application comprising executable code, the executable code causing a computing device to perform operations that comprise at least:
dynamically generating, based on credit information of a user, an interactive user interface configured for display on a user device of the user, the interactive user interface enabling adjustment of a threshold credit score line, the interactive user interface including:
a credit score line graph presenting changes to a credit score of the user during a period of time, and
a selectable user interface element for adjusting a position of the threshold credit score line, wherein the adjusted position of the threshold credit score line is set at a user configurable credit score;

monitoring, via network, the user's credit score for a changed score that meets a value of the threshold credit score line; and
in response to the user's credit score meeting the value of the threshold credit score line, causing display of a notification presented by the user device, wherein the notification includes an indication that the user's credit score met the value of the threshold credit score line.

15. The non-transitory computer storage medium of claim 14 , wherein the notification enables a networked connection to a system, wherein causing display of 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.

16. The non-transitory computer storage medium of claim 14 , 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 credit score and one or more user-adjustable threshold lines.

17. The non-transitory computer storage medium of claim 14 , wherein the interactive user interface is configured to generate an updated credit score line graph to display the threshold credit score line at a position corresponding to a current setting of the user configurable credit score, wherein the updated credit score line graph is of a different color than the credit score line graph.

18. The non-transitory computer storage medium of claim 14 , wherein the adjusted position of the threshold credit score line is set by a click and drag of the credit score line graph on a touch interface of the user device.

19. The non-transitory computer storage medium of claim 14 , wherein the operations furt

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

• G06F3/0488 Primary

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

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title