Methods and apparatuses for generating a new credit file and adding tradelines

Patent metadata

Field	Value
Publication number	US-12586126-B2
Application number	US-202218051846-A
Country	US
Kind code	B2
Filing date	Nov 1, 2022
Priority date	Nov 3, 2021
Publication date	Mar 24, 2026
Grant date	Mar 24, 2026

Abstract

The present disclosure describes systems and methods for providing new credit files for individuals without a credit file by generating header information and assigning a personal identifier (or PIN) for the newly created header file without any negative impacts on the new credit file (such as a credit inquiry). The credit system can recommend the addition of new tradelines, such as through review of transaction data from financial institutions to identify a new tradeline, or recommending new credit cards curated for individuals with new credit files. The credit system can infer an open date for a new tradeline found in the transaction data by identifying the earliest transaction date for the set of transactions that correspond to a particular category.

First claim

What is claimed is:

1 . A system comprising:
one or more mass storage devices comprising a plurality of executable software code; a credit file generator, wherein the credit file generator is stored in the one or more mass storage devices; a PIN generator, wherein the PIN generator is stored in the one or more mass storage devices; and one or more hardware processors comprising a credit file generation processor and a PIN generation processor, configured to execute the executable software code to:
receive, from a user computing device via a secure communication link, Personal Identifiable Information (“PII”) and digital image data comprising a government issued identification document (“ID”), wherein the PII includes a name and an address of a user associated with the user computing device;
extract, by the credit file generation processor, identification information from the digital image data;
determine, by the credit file generation processor, that the extracted identification information corresponds to the received PII;
compare, by the credit file generation processor, the PII with credit files in a credit file database to determine that there is no match;
determine, by the credit file generation processor, that the digital image data corresponds to the user by:
generating and sending, to the user computing device by a secure communication link, display instructions configured to, when executed, display a user interface that comprises a live camera view to capture first image data of the user using a camera corresponding to the user computing device;
receiving, from the user computing device by the secure communication link, a data packet comprising the first image data;
inputting, into a machine learning model, input data comprising the first image data and at least a portion of the digital image data; and
receiving, from the machine learning model, an output that indicates a likelihood that the first image data and the digital image data correspond to a same person;

generate, by the PIN generation processor, an alphanumeric personal identifier;
generate, by the credit file generation processor, a credit file for the user;
assign, by the credit file generation processor, the alphanumeric personal identifier to the credit file;
identify, by the credit file generation processor, a new tradeline from a set of transactions within transaction data that collectively relate to a tradeline category; and
generate, by the credit file generation processor, an updated credit file for the user comprising the new tradeline that corresponds to the tradeline category.

2 . The system of claim 1 , wherein the machine learning model is trained by:
obtaining a training dataset comprising a plurality of data pairs, wherein each data pair comprises (i) first image data corresponding toa government issued ID that includes a first photographic depiction of a face of a person, and (ii) second image data corresponding to a face of the person, wherein the second image data originates from a source other than the government issued ID, wherein each data pair corresponds to a different person; and training, using the training dataset, the machine learning model to determine that third image data corresponding to a government issued ID that includes a second photographic depiction of a first face and fourth image data of a second face depict a same person.

3 . The system of claim 1 , wherein the transaction data includes transactions between a user and one or more payees, and wherein the one or more hardware processors are further configured to:
access the transaction data from one or more databases associated with one or more third-party entities storing the transaction data; store the transaction data in at least one database stored in the one or more mass storage devices; and standardize payee data for at least one payee, wherein standardizing the payee data for the at least one payee comprises associating a standardized identifier for the at least one payee with one or more adaptations of payee information for the at least one payee.

4 . The system of claim 1 , wherein the identification information comprises a name and an address of an individual associated with the government issued ID.

5 . The system of claim 1 , wherein the one or more hardware processors are further configured to:
transmit the alphanumeric personal identifier to a third-party entity; receive a request for the credit file from the third-party entity, wherein the request comprises the alphanumeric personal identifier; and transmit the credit file to the third-party entity.

6 . The system of claim 1 , wherein the digital image data is captured by the camera of the user computing device.

7 . The system of claim 1 , wherein the at least the portion of the digital image data comprising the government issued ID provided as input to the machine learning model comprises a depiction of a photograph of a human face appearing on the government issued ID.

8 . The system of claim 1 , wherein the one or more hardware processors are further configured to recommend one or more data items to the user for which the user was not eligible prior to the generation of the credit file.

9 . The system of claim 8 , wherein the one or more data items comprise a feature to provide additional information related to improving the credit file.

10 . The system of claim 8 , wherein the one or more data items comprise a feature to monitor the credit file.

11 . The system of claim 1 , wherein the one or more hardware processors are further configured to provide the alphanumeric personal identifier to a third party for identity verification of the user by the third party.

12 . The system of claim 1 , wherein the one or more hardware processors are further configured to verify that the name and a social security number provided by the user via the user computing device matches a name and social security number in a government database.

13 . A non-transitory computer storage medium storing a credit file generator and PIN generator as computer-executable code that when executed by one or more hardware processors comprising a credit file generation processor and a PIN generation processor, causes the one or more hardware processors to:
receive, from a user computing device via a secure communication link, Personal Identifiable Information (“PII”) and digital image data comprising a government issued identification document (“ID”), wherein the PII includes a name and an address of a user associated with the user computing device; extract, by the credit file generation processor, identification information from the digital image data; determine, by the credit file generation processor, that the extracted identification information corresponds to the received PII; compare, by the credit file generation processor, the PII with credit files in a credit file database to determine that there is no match; determine, by the credit file generation processor, that the digital image data corresponds to the user by:
generating and sending, to the user computing device by a secure communication link, display instructions configured to, when executed, display a user interface that comprises a live camera view to capture first image data of the user using a camera corresponding to the user computing device;
receiving, from the user computing device by the secure communication link, a data packet comprising the first image data;
inputting, into a machine learning model, input data comprising the first image data and at least a portion of the digital image data; and
receiving, from the machine learn

Assignees

• Consumerinfo Com Inc

Inventors

• Cornell Iii John Haviland
• Kline Aaron Jordan
• Quezada Jazmin Adriana
• Okamuro Lucy
• Orchid Christopher Brian
• Hsu Debbie
• Felice-Steele Michelle
• Nobar Matt

Classifications

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title