Patent ID: 11924213
Assignee: CONSUMERINFO.COM, INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 10:
11. The method of claim 1, further comprising:
accessing the plurality of the data items;
selecting a first data item of the plurality of data items;
determining a recipient identified in the first data item;
identifying a subset of data items each indicating the determined recipient, wherein the subset of data items includes at least the first data item and one or more other data items;
determining, based at least on the identified subset of data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of:
a number of data items each having time stamps within a predetermined time period; or
average number of days between time stamps of sequential data items;

applying a first account identification rule, associated with a first account type, to the account data;
determining, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is of the first account type; and
in response to determining that the first confidence level is about a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user.