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

Claim 0:
1. A computer system comprising:
one or more computer readable storage mediums configured to store instructions that when executed by one or more processors, cause the computer system to access database records for a plurality of individual users; and
the one or more processors configured to execute the instructions to further cause the computer system to:
for a particular individual, compare 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;
apply 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 generate 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
transmit the electronic alert to a computing system associated with a requesting entity.