System and method for identifying related credit inquiries
US9595066B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 3, 2014 |
| Grant date | Mar 14, 2017 |
| Priority date | — |
| Expiry date | Jul 3, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
In one embodiment, a method includes receiving a credit inquiry for a monitored consumer. The method further includes performing at least one credit-inquiry analysis on the credit inquiry. The performing yields at least one of a matched creditor from master creditor records and an inferred credit category based on a lexical analysis. In addition, the method includes, responsive to the performing, determining whether the credit inquiry is related to a previous credit inquiry for the monitored consumer. Further, the method includes, responsive to a determination that the credit inquiry is related to a previous credit inquiry, suppressing a credit alert to the monitored consumer.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.