Patent ID: 11861691
Assignee: CONSUMERINFO.COM, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. A computer-implemented method for generating an alert indicating a next reporting date of an account, the computer-implemented method comprising:
training a predictive model using factors comprising one or more of: a length of time that consumers have had a relationship with a trade reporter, a reporting practice of the trade reporter, average account balance of the consumers, or current account balances of the consumers;
acquiring, over a network, credit data of a user from a credit bureau;
identifying an account from the credit data of the user, wherein information regarding the account is regularly reported by the trade reporter to one or more credit bureaus;
identifying a reporting cycle based on application of reporting dates of the account to the predictive model, the reporting dates indicating respective dates on which the trade reporter provided information regarding the account of the user;
estimating a next reporting date of the account based at least partly on the reporting cycles for the account;
transmitting a first alert over a communication channel to a computing device associated with the user, the first alert causing display on a user interface by an application on the computing device of:
the next reporting date,
an identifier for the respective account,
a first selectable link to view additional information regarding the account, wherein the first selectable link is configured to cause display of additional information regarding the estimated next reporting date in a new portion of the user interface or a new user interface, and
a second selectable link configured to establish an alert schedule to notify the user when updated credit data is available based on the reporting cycle;

receive a user selection of the second selectable link;
in response to the user selection of the second selectable link, automatically establishing the alert schedule for generating a second alert based on the reporting cycle, wherein the second alert displays the updated credit data;
acquiring, over the network, updated credit data reporting information of the user provided by the trade reporter to the credit bureau, wherein the updated credit data reporting information includes an actual reporting date indicating when the trade reporter provided the updated credit data reporting information to the credit bureau; and
updating the predictive model based at least in part on a comparison of the actual reporting date of the updated credit data reporting information to the next reporting date as previously estimated from the reporting cycle identified by the predictive model as previously trained.