Patent ID: 11886519
Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 18:
19. Non-transitory, computer-readable storage media storing computer-executable instructions that, when executed by a computer system, configure the computer system to perform operations comprising:
for each alphanumeric record in a list of validated alphanumeric records received via an interface and associated with a first entity that allows user operation and interaction via a communication network, wherein at least one unique vehicle identifier exists for each alphanumeric record and each alphanumeric record is associated with a vehicle:
transmitting a request for one or more database records from one or more databases based on the at least one unique vehicle identifier to the one or more databases via a communication network, wherein at least one of the one or more databases is a private database storing historical vehicle events;
receiving the one or more database records from the one or more databases via the communication network, wherein each received database record includes a history of vehicle events associated with the at least one unique vehicle identifier;
identifying, for each of the received one or more database records, a vehicle event for inclusion in an electronic event notification based on applying one or more rules associated with the first entity to the received one or more database records;
determining a plurality of subsets of vehicle events, wherein each of the subsets of vehicle events is associated with a negative history event type;
determining a count of vehicle events for each of a plurality of subsets of vehicle events;
determining an estimated risk associated with the count of vehicle events;
automatically generating the electronic event notification when the estimated risk exceeds a corresponding threshold value; and
transmitting the electronic event notification to a remote user device over the communication network via a communication portal.