Patent ID: 11954089
Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A computer-implemented method comprising:
for a particular individual, comparing an historical database record with a current database record to determine a change of financial information between the historical database record and the current database record, the historical database record including information indicating accounts of the particular individual at a first point in time, the current database record including information indicating accounts of the particular individual at a second point in time that is later than the first point in time;
applying one or more rules for corresponding types of changes to determine whether the change of financial information between the historical database record and the current database record is matched to a type of change of financial information between the historical database record and the current database record;
wherein comparing the historical database record with the current database record comprises determining a historical score associated with the historical database record of the particular individual, determining a current score associated with the current database record of the particular individual, determining a score difference between the historical score and the current score; and comparing the score difference to a threshold score difference indicated by the one or more rules;
in response to determining that a first type of change of the types of change of financial information between the historical database record and the current database record is matched by application of the one or more rules, automatically generating an electronic alert indicating that the determined first type of change matching the one or more rules has been detected for the particular individual, wherein automatically generating the electronic alert is performed in response to determining both that a second type of change is matched and the score difference satisfies the threshold score difference indicated by the one or more rules; and
transmitting the electronic alert to a computing system associated with a requesting entity.