APA Owen, J., Deere, E., & Weinberg, J. (2006).

Personal credit management and monitoring system and method

Abstract

This document discloses fully-integrated consumer credit management and identity theft detection,
protection and resolution systems, methods, and computer program products. These solutions enable
consumers to manage the entire lifecycle of their credit profile and personal identity through a simple
integrated application that combines credit management, credit monitoring, identity theft detection, and
identity restoration. The credit management and identity theft protection system integrates the
complexities of credit reports and identity theft protection into a single solution giving consumers more
control over their financial future than conventional systems.

APA Lefner, K., & Zabran, S. (2010).

Credit approval monitoring system and method

Abstract

A credit approval monitoring system comprises a database system storing credit files for consumers. A
monitoring processing system monitors credit reports of subscribing consumers and transmits messages
indicative of changes in a subscribers credit report. A screening processing system screens credit reports
to determine if credit applicants satisfy select criteria. A watch processing system is operatively
associated with the monitoring processing system and the screening processing system for periodically
requesting the screening processing system to determine if the credit report of a select consumer
satisfies the select criteria and sending the determination to the monitoring processing system to notify
the select consumer if the screening processing system determines that the credit report of the select
consumer satisfies the select criteria.

APA Drakeley, E. E., & Subramaniam, R. (2014).

Credit Monitoring and Simulation Aggregation System

Abstract

A computer-implemented method comprising: determining, by a credit management system, credit

information of a user, by: receiving, by the credit management system, account information of the user,
with the account information specifying balance information indicative of account balances in one or more
financial accounts of the user; and receiving, by the credit management system, debt information of the
user, with the debt information specifying balance information indicative of outstanding debts in the one or
more financial accounts of the user; and generating, based on the received balance and debt information,
a personal credit management proprietary score for the user.
APA Kasower, S. (2012).

Systems and methods of on-line credit information monitoring and

control

Abstract

Systems and methods of on-line credit information monitoring and control. In one embodiment, a server
computer accesses and retrieves credit information relating to a consumer. The server computer may
also provide a user interface with active links associated with credit items. The links may allow the
consumer to communicate directly with a credit service. The server computer may offer additional credit-
related services such as credit report retrieval, credit monitoring, notifications, identity theft management,
interest rate calculations, historical archives, and account management.

APA Harris, S., De Latorre, A., Deb, A., & Turetsky, J. (2011).

Systems and methods for monitoring credit of trading counterparties

Abstract

Systems and methods are provided which monitor trades entered into and cleared by counterparties,
track the net and gross positions of counterparties and the counterparties' parent entities, trigger warnings
when counterparties or their parent entities exceed a warning limit, and shut-off counterparties' trading
ability when counterparties exceed a credit limit. An operator of a credit system using these systems and
methods is provided with a variety of interfaces through which the operator can set up new
counterparties, search a list of counterparties, view and edit basic information for counterparties, view
financial information for counterparties, view and edit notes regarding to counterparties, view and edit
limits of counterparties, view position versus limit information for counterparties, view the current day's
position information for counterparties, and view cumulative position information for counterparties.

APA Papadimitriou, O. (2013).

Systems and methods for monitoring and optimizing credit scores

Abstract

The present disclosure provides systems and methods that monitor, on a recurring basis, a consumer's
behavior as reflected on both the consumer's credit report and other sources, identifies opportunities for
optimizing the consumer's credit score, warns proactively of actions that can damage a consumer's credit
score, and identifies the right time for consumers to take certain actions, including, but not limited to,
actions like applying for a new credit card or closing an existing credit card. The present disclosure also
provides systems and methods that implement or can assist in the implementation of the recommended
actions on behalf of the consumer.
APA Bhatt, S., Magill, J., Menz, C., Itzen, H., Mehta, R., Reynard, K., & Vengerovsky, A. (2006).

System and method for self-monitoring credit information

Abstract

There is provided a method for monitoring business information. The method includes the computer-
implemented steps of automatically and periodically accessing business information on a business entity
from one or more databases, updating a business information database with the business information,
updating at least one business information report on the business entity from the business information
database, and automatically alerting a user of a change in the business information report. There is also
provided a computer system and a computer readable medium for monitoring business information.