Systems and methods for large-scale credit data processing
USOO8775299B2
(12) United States Patent
(10) Patent N0.:
Achanta et al. (54)
US 8,775,299 B2
(45) Date of Patent:
Jul. 8, 2014
SYSTEMS AND METHODS FOR
5,216,612 A
6/1993 Cornett et a1.
LARGE-SCALE CREDIT DATA PROCESSING
5,247,575 A 5,325,509 A
9/1993 Sprague etal 6/1994 Lautzenhelser
(75) Inventors: Venkat Achanta, Richmond, VA (US);
i
Karthikeyan Reddy Aaravabhoomi, Irvine, CA (US); Patricia Cheryl
Lassen, Orange, CA (US); Timothy _
_
9/1996 Leenstra, Sr. et a1. 12/1996 Pitroda
2
sumida’ Yorba Linda’ CA (Us) _
itrrgflger et 31'
5,555,409 A 5,590,038 A
_
(73) Ass1gnee: Experlan Information Solutions, Inc.,
Tianghilnstegld
5:640:551 A
6/1997 c1151 211?
5,640,577 A
6/1997
5,655,129 A
8/1997 Ito
Costa Mesa, CA (US) ( ) Not1ce.
(Continued)
Subject to any d1scla1mer, the term of this
FOREIGN PATENT DOCUMENTS
patent is extended or adjusted under 35
U-S-C- 154(1)) by 0 days-
EP
0 419 889
4/1991
EP
0458 698
11/1991
(21) Appl. No.: 13/546,965 (22) Filed:
(Continued)
Jul. 11, 2012
(65)
'
Scharmer
OTHER PUBLICATIONS
Pnor PUbhcatlon Data US 2013/0124392 A1
US. Appl. No. 12/705,489, ?led Feb. 12, 2010, Bargoli et al.
May 16, 2013
_
(Continued) Related US. Application Data (60)
Provisional application No. 61/507,092, ?led on Jul. 12’ 2011'
(51)
Int. Cl.
Primary Examiner i William Ranking (74) Attorney, Agent, or Firm * Knobbe, Martens, Olson & B LLP
ea“
G06Q 40/00
(2012.01)
(52) U-S- ClUSPC
(58)
(57)
ABSTRACT
............................................. .. 705/38; 705/35
Field of Classi?cation Search
Systems and methods are provided for processing large vol
CPC .................................................... .. G06Q 99/00 USPC .......................................................... .. 705/35
umes of credit-related data and other data, and generating products based on the processed data. Data received from a
See application ?le fOr complete SBarCh hiSIOI‘y-
number of different data sources may be processed in parallel
_
(5 6)
and stored in memory. Reporting rules may be de?ned in
References Clted
association With each of a number of different accounts. Prod ucts, such as credit reports, may then be generated based on
U.S. PATENT DOCUMENTS
one or more rule sets.
4,827,508 A 4,868,570 A 4,935,870 A
5/1989 Shear 9/1989 Davis 6/1990 Burk, Jr. et a1.
12 Claims, 20 Drawing Sheets
/“ 100
DATA
flirt]:
SHPPUER
(1]
E
M0
HON
Request data
MANAGEMENT SYSTEM no —
Data preparation module
g
Generate product (6)
for
MAS
(4]
DATA
SYSTEM
m
Rules maduleg
syizo SUPPLIER _> 104
PRODUCT DELIVERY
product
TER DATA
Dana rules Display rules
Data mad mudme
—-
module
rnndule
—
114
-
132A
59
-
MASTER DATA
User interface module
115
DATA
SUPPLIER
196
/
-
Return data
Pnocssssw DATA E
for page”:
Process received data
(2)
Product module
Send processed
-
-
data
RULES DATA
PRDDUCI' DAT
(a)
m
m
eliver
generated product(s) (7)
. UBSCRIBE
Q
US 8,775,299 B2 Page 2 (56)
References Cited U.S. PATENT DOCUMENTS
7,668,840 B2
2/2010 Bayliss et a1.
7,689,505 7,690,032 7,698,163 7,707,059
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US 8,775,299 B2 Page 3 (56)
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0 559 358 0 977 128 0 772 836 10-2004-0078798 WO 95/34155 WO 96/00945 WO 98/41931 WO 98/41932 WO 98/41933 WO 99/17225 WO 99/17226 WO 99/38094 WO 00/04465 WO 00/28441 WO 01/84281 WO 2013/009920
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US 8,775,299 B2 Page 4 (56)
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Pagano, et al., “Information Sharing in Credit Markets,” Dec. 1993,
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* cited by examiner
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(12) United States Patent
(10) Patent N0.:
Achanta et al. (54)
US 8,775,299 B2
(45) Date of Patent:
Jul. 8, 2014
SYSTEMS AND METHODS FOR
5,216,612 A
6/1993 Cornett et a1.
LARGE-SCALE CREDIT DATA PROCESSING
5,247,575 A 5,325,509 A
9/1993 Sprague etal 6/1994 Lautzenhelser
(75) Inventors: Venkat Achanta, Richmond, VA (US);
i
Karthikeyan Reddy Aaravabhoomi, Irvine, CA (US); Patricia Cheryl
Lassen, Orange, CA (US); Timothy _
_
9/1996 Leenstra, Sr. et a1. 12/1996 Pitroda
2
sumida’ Yorba Linda’ CA (Us) _
itrrgflger et 31'
5,555,409 A 5,590,038 A
_
(73) Ass1gnee: Experlan Information Solutions, Inc.,
Tianghilnstegld
5:640:551 A
6/1997 c1151 211?
5,640,577 A
6/1997
5,655,129 A
8/1997 Ito
Costa Mesa, CA (US) ( ) Not1ce.
(Continued)
Subject to any d1scla1mer, the term of this
FOREIGN PATENT DOCUMENTS
patent is extended or adjusted under 35
U-S-C- 154(1)) by 0 days-
EP
0 419 889
4/1991
EP
0458 698
11/1991
(21) Appl. No.: 13/546,965 (22) Filed:
(Continued)
Jul. 11, 2012
(65)
'
Scharmer
OTHER PUBLICATIONS
Pnor PUbhcatlon Data US 2013/0124392 A1
US. Appl. No. 12/705,489, ?led Feb. 12, 2010, Bargoli et al.
May 16, 2013
_
(Continued) Related US. Application Data (60)
Provisional application No. 61/507,092, ?led on Jul. 12’ 2011'
(51)
Int. Cl.
Primary Examiner i William Ranking (74) Attorney, Agent, or Firm * Knobbe, Martens, Olson & B LLP
ea“
G06Q 40/00
(2012.01)
(52) U-S- ClUSPC
(58)
(57)
ABSTRACT
............................................. .. 705/38; 705/35
Field of Classi?cation Search
Systems and methods are provided for processing large vol
CPC .................................................... .. G06Q 99/00 USPC .......................................................... .. 705/35
umes of credit-related data and other data, and generating products based on the processed data. Data received from a
See application ?le fOr complete SBarCh hiSIOI‘y-
number of different data sources may be processed in parallel
_
(5 6)
and stored in memory. Reporting rules may be de?ned in
References Clted
association With each of a number of different accounts. Prod ucts, such as credit reports, may then be generated based on
U.S. PATENT DOCUMENTS
one or more rule sets.
4,827,508 A 4,868,570 A 4,935,870 A
5/1989 Shear 9/1989 Davis 6/1990 Burk, Jr. et a1.
12 Claims, 20 Drawing Sheets
/“ 100
DATA
flirt]:
SHPPUER
(1]
E
M0
HON
Request data
MANAGEMENT SYSTEM no —
Data preparation module
g
Generate product (6)
for
MAS
(4]
DATA
SYSTEM
m
Rules maduleg
syizo SUPPLIER _> 104
PRODUCT DELIVERY
product
TER DATA
Dana rules Display rules
Data mad mudme
—-
module
rnndule
—
114
-
132A
59
-
MASTER DATA
User interface module
115
DATA
SUPPLIER
196
/
-
Return data
Pnocssssw DATA E
for page”:
Process received data
(2)
Product module
Send processed
-
-
data
RULES DATA
PRDDUCI' DAT
(a)
m
m
eliver
generated product(s) (7)
. UBSCRIBE
Q
US 8,775,299 B2 Page 2 (56)
References Cited U.S. PATENT DOCUMENTS
7,668,840 B2
2/2010 Bayliss et a1.
7,689,505 7,690,032 7,698,163 7,707,059
3/2010 3/2010 4/2010 4/2010
B2 B1 B2 B2
5,659 731 A
8/1997 Gustafson
56663528 A
9/1997 Thai
7,747,480 B1
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