US 11,954,731 B2
System and method for generating a finance attribute from tradeline data
Luz M. Torrez, Fountain Valley, CA (US); and Adam Thomas Kornegay, Knoxville, TN (US)
Assigned to Experian Information Solutions, Inc., Costa Mesa, CA (US)
Filed by Experian Information Solutions, Inc., Costa Mesa, CA (US)
Filed on Mar. 6, 2023, as Appl. No. 18/178,718.
Application 18/178,718 is a continuation of application No. 17/179,098, filed on Feb. 18, 2021, granted, now 11,631,129.
Application 17/179,098 is a continuation of application No. 16/158,158, filed on Oct. 11, 2018, granted, now 10,963,961, issued on Mar. 30, 2021.
Application 16/158,158 is a continuation of application No. 15/389,160, filed on Dec. 22, 2016, granted, now 10,121,194, issued on Nov. 6, 2018.
Application 15/389,160 is a continuation of application No. 14/091,232, filed on Nov. 26, 2013, granted, now 9,563,916, issued on Feb. 7, 2017.
Application 14/091,232 is a continuation of application No. 13/620,095, filed on Sep. 14, 2012, granted, now 8,626,646, issued on Jan. 7, 2014.
Application 13/620,095 is a continuation of application No. 13/253,776, filed on Oct. 5, 2011, granted, now 8,315,943, issued on Nov. 20, 2012.
Application 13/253,776 is a continuation of application No. 11/973,300, filed on Oct. 5, 2007, granted, now 8,036,979, issued on Oct. 11, 2011.
Claims priority of provisional application 60/849,542, filed on Oct. 5, 2006.
Prior Publication US 2023/0410192 A1, Dec. 21, 2023
Int. Cl. G06Q 40/03 (2023.01); G06F 16/25 (2019.01); G06Q 10/04 (2023.01); G06Q 10/06 (2023.01)
CPC G06Q 40/03 (2023.01) [G06F 16/254 (2019.01); G06Q 10/04 (2013.01); G06Q 10/06 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method to generate a leveled attribute, the method comprising:
electronically obtaining raw tradeline data from each of a plurality of credit data sources, wherein the raw tradeline data is stored in different formats by the plurality of credit data sources;
accessing raw tradeline data associated with a subset of code data from each of the plurality of credit data sources;
designating a plurality of lowest common denominators from the subset of the code data as selected characteristics, wherein the plurality of lowest common denominators comprise a minimum set of overlapping codes associated with the plurality of credit data sources;
using the accessed raw tradeline data from each of the plurality of credit data sources to generate test tradeline data using the selected characteristics;
measuring a correlation between the accessed raw tradeline data and the generated test tradeline data for each of the plurality of credit data sources;
adjusting the selected characteristics based on a determination that the correlation measurement does not meet at least one threshold, wherein adjusting the selected characteristics updates the subset of the code data;
repeating said using, measuring, and adjusting until the selected characteristics generate a correlation measurement that meets the at least one threshold;
based on a determination that the correlation measurement meets the at least one threshold, identifying tradeline characteristics associated with the updated subset of the code data; and
generating the leveled attribute using the identified tradeline characteristics.