International Business Machines Corporation

Consumerinfo. Com, Inc.

Tod DeBie

Michael Burger

Bao Q Vu

Tina Joyce Lustig

Hsien-Rong Yang

Ivan Chi Wei Lee

Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.

Report existence monitoring

A debt trending device accesses credit reports and/or other financial data that is available from one or more financial data sources, for a user and extracts financial account information. The debt trending device may then analyze the account information in order to generate debt trending information that indicates in the form of lists, tables, graphs, charts, etc., information regarding multiple debt accounts associated with the user.

Debt trending systems and methods

An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the credit reports. The integration device may then format and/or translates the account information into a format that is usable by a particular consumer's personal finance software and communicates the account information to the personal finance software. Accordingly, the personal finance software is provided with information regarding each of a plurality of financial accounts that are associated with the consumer so that the account information may be populated in the personal finance software with minimal effort by the consumer.

Personal finance integration system and method

A records management system and method includes sending periodic notifications to record owners and managers when their records are under a hold order. Also, return receipts in response to an e-mail message related to a record are automatically declared as records themselves and linked to the original record.

Automated records management with hold notification and automatic receipts

Techniques provide a file plan including a plurality of containers, wherein each container is capable of providing management information for record information objects assigned to the container, wherein the record information objects represent documents, wherein one of the containers points to a physical record. An electronic record associated with the physical record is stored. The physical record is automatically associated with the electronic record by updating the file plan.

Physical to electronic record content management

Dynamically withholding certain records from a disposition during record management. Search criterion that identifies records that should be withheld from the disposition may be received. The content of the records and/or information about that record content may be compared to the search criterion to determine which of the records should be withheld from the disposition. The comparison may take place in accordance with a pre-determined schedule, when hold status information for a record is accessed, or at any other time.

Dynamic holds of record dispositions during record management

Provided are a method, system, and article of manufacture for using an access control list rule to generate an access control list for a document included in a file plan. A file plan includes a plurality of containers, wherein each container is capable of providing management information for documents in the file plan. An access control list rule indicates one of a plurality of access control list rules, wherein the access control list rules provide different ways to form file plan document access control lists using at least one of an access control list defined for a container and a pre-file plan document access control list indicating users enabled to access the document before the document is added to the file plan. A request to add a document to the file plan is received and a file plan document access control list is generated according to the defined access control list rule. The file plan document access control list is associated with the document in the file plan.

Using an access control list rule to generate an access control list for a document included in a file plan

A technique that provides a file plan including a plurality of containers, wherein each container is capable of providing management information for record information objects assigned to the container, wherein the record information objects represent documents, wherein the file plan comprises one or more segments. Each segment of the file plan at a first records management system is associated with one or more file plan object stores at one or more other records management systems. One or more file plan segments are propagated from the first records management system to the one or more file plan object stores at the one or more other records management systems.

File plan import and sync over multiple systems

Provided are a method, system, and article of manufacture for applying multiple disposition schedules to documents. A file plan includes a plurality of containers, wherein each container is capable of providing management information for documents. A plurality of disposition schedules are defined, wherein each disposition schedule provides rules to use to determine documents in the file plan to dispose. At least two of the plurality of disposition schedules in the file plan are applied to one document in the file plan to determine whether to dispose of the document.

Growing community of inventors

Costa Mesa, CA, United States of America

Tod DeBie