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公开(公告)号:US11665253B1
公开(公告)日:2023-05-30
申请号:US17035347
申请日:2020-09-28
摘要: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.
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公开(公告)号:US11356430B1
公开(公告)日:2022-06-07
申请号:US15814844
申请日:2017-11-16
摘要: An electronic personal data locker system is described in which personal data is stored, organized, accessed, and/or maintained, among others activities. In an embodiment, the personal data locker system comprises multiple personal data lockers that each store different types of personal information and/or data of a user. The personal data lockers are established by the system and may be integrated with mobile computing devices. The system may enable the sharing of the gathered data with third parties and/or may enable the user to set preferences for what data is to be shared with various third parties. The system may further provide convenience in providing personal data to third parties via a standard application programming interface (API). The system may also enable the finding and/or calculating of user-related insights based on the gathered data through correlation, aggregation, and/or analysis of the user's personal data.
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公开(公告)号:US11232413B1
公开(公告)日:2022-01-25
申请号:US16893194
申请日:2020-06-04
IPC分类号: G06Q20/00 , G06Q40/02 , G06Q20/40 , G06Q20/42 , H04L29/08 , H04M1/72436 , H04M1/72448 , H04M1/72484
摘要: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.
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公开(公告)号:US10453159B2
公开(公告)日:2019-10-22
申请号:US15662712
申请日:2017-07-28
IPC分类号: G06Q50/26
摘要: A digital identity, which may include a user interface that may be displayed on a mobile computing device, may be generated to include information extracted from a physical identification card (e.g., driver license or passport), as well as information regarding validation of the physical identification card and of the consumer's identity. The digital identity may be used in place of the physical identification card.
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公开(公告)号:US20180365445A1
公开(公告)日:2018-12-20
申请号:US16112215
申请日:2018-08-24
摘要: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.
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公开(公告)号:US10102570B1
公开(公告)日:2018-10-16
申请号:US13829912
申请日:2013-03-14
IPC分类号: G06Q40/02
摘要: Systems and methods are provided for assessing an account takeover risk for one or more accounts of an individual. The account security procedures for each of a number of services with which the user has an account may be analyzed. Publicly accessible information regarding the user may also be collected and analyzed. The collected information and security procedures may be compared in order to determine one or more vulnerabilities to hostile account takeover of one or more of the analyzed accounts. An alert may be generated regarding a determined takeover risk, which may include suggested actions for remedying the risk.
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公开(公告)号:US10019508B1
公开(公告)日:2018-07-10
申请号:US15399134
申请日:2017-01-05
IPC分类号: G06F17/30
CPC分类号: G06F16/285 , G06F16/24578 , G06F16/951 , G06F16/958 , G06Q10/10
摘要: Consumers often desire to compare themselves to other individuals. Disclosed herein are systems and methods of generating and displaying comparison information to users so that they can determine if they are “keeping up with the Joneses.”
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公开(公告)号:US11769200B1
公开(公告)日:2023-09-26
申请号:US17443099
申请日:2021-07-20
CPC分类号: G06Q40/02 , G06F21/577 , H04L63/083 , H04L63/1433
摘要: Systems and methods are provided for assessing an account takeover risk for one or more accounts of an individual. The account security procedures for each of a number of services with which the user has an account may be analyzed. Publicly accessible information regarding the user may also be collected and analyzed. The collected information and security procedures may be compared in order to determine one or more vulnerabilities to hostile account takeover of one or more of the analyzed accounts. An alert may be generated regarding a determined takeover risk, which may include suggested actions for remedying the risk.
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公开(公告)号:US20190260843A1
公开(公告)日:2019-08-22
申请号:US16189476
申请日:2018-11-13
摘要: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.
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公开(公告)号:US10269065B1
公开(公告)日:2019-04-23
申请号:US15209413
申请日:2016-07-13
摘要: A system for processing bill payments from a consumer to one or more creditors may provide the consumer with a credit report and options to make payments on tradelines present on the credit report. The system may also report the payment information to one or more credit bureaus. Additionally, the system may automatically identify the consumer's accounts, enroll the consumer in online bill payment with creditors, provide account alerts, recommend payments, provide access to electronic statements, and/or provide contextual action buttons for the consumer's accounts.
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