The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 05, 2024
Filed:
Oct. 27, 2022
Vantagescore Solutions, Llc, South San Francisco, CA (US);
Greg Nelson, Rancho Cucamonga, CA (US);
Andrada Ioana Pacheco, Danbury, CT (US);
Nicholas Andrew Rose, Naperville, IL (US);
Yusuf Emre Sahingur, Penn Valley, PA (US);
Rikard Kaj Ragnar Bandebo, Old Greenwich, CT (US);
Silvio Tavares, Burlingame, CA (US);
VANTAGESCORE SOLUTIONS, LLC, South San Francisco, CA (US);
Abstract
A method employs consumer permissioned financial data to generate an updated credit score following a consumer authorization to access to at least one demand deposit account of the consumer for use in generating the credit score for the consumer. The consumer permissioned financial data may be sourced from any one of a plurality of aggregators where the aggregators employ different data structures for the financial data. The financial data is processed to automatically normalize the data received from an aggregator by applying a common classification system across the plurality of aggregators to classify a first set of data fields; and automatically, regardless of whether an updated credit score is advantageous for the consumer and independent of any further consumer permission, generating the updated credit score using a combination of credit file data for the consumer and the financial data received from the aggregator.