Patent ID: 8812387
Filing Date: 2014-08-19
Classification: G06Q

Abstract:
1. A method comprising: on a computer system comprising at least one processor and memory, receiving a credit inquiry for a monitored consumer; performing, by the computer system, at least one credit-inquiry analysis on the credit inquiry; wherein the performing yields at least one of: responsive to the performing, the computer system determining whether the credit inquiry is related to a previous credit inquiry for the monitored consumer; wherein the credit inquiry and the previous credit inquiry are determined to be related if the previous credit inquiry is within a predetermined window of time of the credit inquiry and at least one of the following is true: responsive to a determination that the credit inquiry is related to a previous credit inquiry, the computer system suppressing a credit alert to the monitored consumer; wherein the performing comprises returning, as a matched creditor, any creditor from the master creditor records whose creditor address is deemed to match a source creditor address; wherein a target creditor address comprises a target address line and the source creditor address comprises a source address line; creating a source token set based on the source address line and a target token set based on the target address line; categorizing each token in the source token set and each token in the target token set into one of a plurality of categories; filtering the source token set and the target token set; for each of the source token set and the target token set, combining sequential tokens categorized into a same token category; normalizing a token format of the source token set and the target token set; comparing tokens of the source token set to tokens of the target token set; wherein the comparing of the source creditor address comprises identifying a target creditor address in the master creditor records; responsive to the comparing of the source token set to the target token set, removing each exact match from the source token set and the target token set; and responsive to a determination that the source token set and the target token set are empty, identifying the source creditor address and the target creditor address as a match.