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WO2000011574A3 - System and method for updating a credit information database - Google Patents

System and method for updating a credit information database Download PDF

Info

Publication number
WO2000011574A3
WO2000011574A3 PCT/US1999/018724 US9918724W WO0011574A3 WO 2000011574 A3 WO2000011574 A3 WO 2000011574A3 US 9918724 W US9918724 W US 9918724W WO 0011574 A3 WO0011574 A3 WO 0011574A3
Authority
WO
WIPO (PCT)
Prior art keywords
database
credit information
updating
information database
fields
Prior art date
Application number
PCT/US1999/018724
Other languages
French (fr)
Other versions
WO2000011574A2 (en
Inventor
David L Wallace
Original Assignee
Equifax Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Equifax Inc filed Critical Equifax Inc
Priority to AU55683/99A priority Critical patent/AU5568399A/en
Publication of WO2000011574A2 publication Critical patent/WO2000011574A2/en
Publication of WO2000011574A3 publication Critical patent/WO2000011574A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Databases & Information Systems (AREA)
  • Physics & Mathematics (AREA)
  • General Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An advanced credit reporting and query system receives credit information into a central database (4) to service queries and provide other output. Unlike conventional credit reporting systems, the database is encoded to identify those fields which have changed since the last update (20) to the database, so that rewriting of the same data on the same fields is avoided. Database coherency and detection may be performed by hashing (24) or other techniques.
PCT/US1999/018724 1998-08-20 1999-08-19 System and method for updating a credit information database WO2000011574A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU55683/99A AU5568399A (en) 1998-08-20 1999-08-19 System and method for updating a credit information database

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US9733098P 1998-08-20 1998-08-20
US60/097,330 1998-08-20
US37629699A 1999-08-18 1999-08-18
US09/376,296 1999-08-18

Publications (2)

Publication Number Publication Date
WO2000011574A2 WO2000011574A2 (en) 2000-03-02
WO2000011574A3 true WO2000011574A3 (en) 2000-06-29

Family

ID=26793126

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1999/018724 WO2000011574A2 (en) 1998-08-20 1999-08-19 System and method for updating a credit information database

Country Status (2)

Country Link
AU (1) AU5568399A (en)
WO (1) WO2000011574A2 (en)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8930263B1 (en) 2003-05-30 2015-01-06 Consumerinfo.Com, Inc. Credit data analysis
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information

Families Citing this family (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7318046B1 (en) 1998-03-05 2008-01-08 American Management Systems, Inc. Collector's account payment promise option advisory apparatus and method
US7006994B1 (en) 1999-07-16 2006-02-28 American Management Systems, Inc. Automated receivables management system
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US7610229B1 (en) 2002-05-30 2009-10-27 Experian Information Solutions, Inc. System and method for interactively simulating a credit-worthiness score
US7647344B2 (en) 2003-05-29 2010-01-12 Experian Marketing Solutions, Inc. System, method and software for providing persistent entity identification and linking entity information in an integrated data repository
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US7711636B2 (en) 2006-03-10 2010-05-04 Experian Information Solutions, Inc. Systems and methods for analyzing data
US11887175B2 (en) 2006-08-31 2024-01-30 Cpl Assets, Llc Automatically determining a personalized set of programs or products including an interactive graphical user interface
US7912865B2 (en) 2006-09-26 2011-03-22 Experian Marketing Solutions, Inc. System and method for linking multiple entities in a business database
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US20100174638A1 (en) 2009-01-06 2010-07-08 ConsumerInfo.com Report existence monitoring
AU2010100959B4 (en) * 2010-09-01 2011-03-17 Online Media Resources Pty Ltd Credit information system and method
US20130103653A1 (en) * 2011-10-20 2013-04-25 Trans Union, Llc System and method for optimizing the loading of data submissions
US9916621B1 (en) 2012-11-30 2018-03-13 Consumerinfo.Com, Inc. Presentation of credit score factors
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
US11227001B2 (en) 2017-01-31 2022-01-18 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US20200074100A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Estimating changes to user risk indicators based on modeling of similarly categorized users

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5121494A (en) * 1989-10-05 1992-06-09 Ibm Corporation Joining two database relations on a common field in a parallel relational database field
US5797000A (en) * 1993-11-04 1998-08-18 International Business Machines Corporation Method of performing a parallel relational database query in a multiprocessor environment

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5121494A (en) * 1989-10-05 1992-06-09 Ibm Corporation Joining two database relations on a common field in a parallel relational database field
US5797000A (en) * 1993-11-04 1998-08-18 International Business Machines Corporation Method of performing a parallel relational database query in a multiprocessor environment

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US8930263B1 (en) 2003-05-30 2015-01-06 Consumerinfo.Com, Inc. Credit data analysis
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9489694B2 (en) 2008-08-14 2016-11-08 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface

Also Published As

Publication number Publication date
AU5568399A (en) 2000-03-14
WO2000011574A2 (en) 2000-03-02

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