Patent ID: 8732004
Filing Date: 2014-05-20
Classification: G06Q

Abstract:
1. A computer-implemented system for providing, to a client, notifications about consumers, the notifications indicating that the consumers are currently good prospects for accepting a firm offer of credit from the client, the system comprising: a data warehouse configured to store electronic representations of credit-related and demographic information about a general population of consumers, said general population of consumers comprising individual consumers; a subset data repository for storing an electronic representation of a subset of the general population of consumers of the data warehouse; a client interface system comprising one or more data input devices, said client interface system being configured to accept client-selected pre-screen attributes criteria, which comprise client-selected attributes of consumers from the general population, the client-selected attributes being indicative to the client of consumers whom the client considers to be worthy of a firm offer of credit from the client, said client interface system being further configured to accept an indication of at least one client-selected trigger event, wherein a trigger event is a type of financial event that is associated with a consumer and with a financial entity other than the client, said type of financial event being selected by the client as being indicative of an individual consumer's current interest in receiving a firm offer of credit; a computer-implemented pre-screen rules engine configured to receive the client-selected pre-screen attributes criteria, said pre-screen rules engine being further configured to programmatically access and analyze the credit-related and demographic information in the data warehouse and to identify, based at least in part on the client-selected pre-screen attributes criteria, a subset of the individual consumers from the general population of consumers in the data warehouse, each of whom the client considers to be worthy of a firm offer of credit, the rules engine being further configured to store the identified subset of individual consumers in the subset data repository; an online credit activity database configured to store data about financial events associated with the general population of consumers, said online credit activity database being further configured to receive a plurality of updates from a variety of entities other than the client, such entities comprising at least one of: merchants, lenders, financial institutions, and government entities, each of said updates providing information regarding at least one financial event, each financial event being associated with an individual consumer from the general population of consumers and with at least one entity other than the client, wherein at least one of the financial events is associated with an individual consumer who is a member of the subset of individual consumers stored in the subset data repository, and wherein at least one of the financial events is of the at least one type selected by the client as being the at least one trigger event, wherein said online credit activity database is configured to store an indication of when each update was received; and a trigger notification system configured to: