Patent ID: 11861756
Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer system comprising:
a first computer storage that stores information about credit-related activities of millions of consumers;
a second computer storage that stores a plurality of snapshots of credit information from the first computer storage, the plurality of snapshots of credit information periodically updated and merged with other information not stored in the first computer storage; and
a notification system comprising one or more hardware processors, the notification system configured to communicate with the first computer storage and the second computer storage, the notification system further comprising one or more computer processors programmed to execute instructions that cause at least one processor of the one or more processors to:
receive trigger events data associated with a first client, the trigger events data comprising indications of events that are indicative of consumers actively seeking credit that is provided by the first client;
apply pre-screen criteria associated with the first client to the plurality of snapshots stored in the second computer storage to generate a first subset of consumers from the millions of consumers, wherein the first subset of consumers satisfy the pre-screen criteria;
monitor updates to the credit-related activities of the first subset of consumers in the first computer storage;
identify one or more first updates associated with the trigger events data associated with the first client for the first subset of consumers; and
notify a system accessible by the first client about the identified one or more first updates for transmitting a firm offer of credit to at least one first consumer associated with at least one of the identified first updates.