Experian Information Solutions, Inc.

Consumerinfo. Com, Inc.

Consumerlnfo.com, Inc.

Rakesh Patel

Lindsey Greenwell Harju

Mara Nicholl

Elias John Tuma

Christine Marie Brueggeman

Erik John Rehder

Andrew Alexander Charles Scott

A credit card recommendation system for recommending credit cards to a user can be based on the consumer's estimated monthly spend, estimated spend across a plurality of categories, and user credit data. The credit card recommendation system can filter credit cards based on a likelihood of approval for the user. The credit card recommendation can determine a reward valuation and an adjustment valuation by assessing user spend and the characteristics corresponding to the credit card. The credit card recommendation can train a model to score credit cards for users, and apply specific user data to the model to determine a credit card score particular to the user.

Methods and apparatuses for customized credit card recommendations

A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.

Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria

Methods and apparatuses for customized card recommendations

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Anaheim Hills, CA, United States of America

Rakesh Patel