Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation.

Display screen or portion thereof with graphical user interface

The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, the invention provides an integrated, component-based technology platform in which globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening.

Account opening computer system architecture and process for implementing same

The present invention relates to methods and systems for automated criteria and attribute generation, searching, auditing and reporting of data. One aspect of an embodiment of the invention includes a method for translating a request for filtering data in a plurality of credit data sources. The method includes receiving a request based on at least one attribute and on at least one modeling criteria, wherein the at least one attribute and the at least one modeling criteria are each associated with a portion of data in a plurality of credit data sources, automatically generating executable computer code associated with the at least one attribute and at least one modeling criteria, wherein the executable computer code is adapted to filter the portion of data in the plurality of credit data sources based at least in part on the at least one attribute and at least one modeling criteria, and storing at least a portion of the executable computer code for use with another request based in part on the at least one attribute and based in part on the at least one modeling criteria.

Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data

Systems and methods are described that simulate a credit score. The system enables a user to modify a credit data element in order to determine its effect on a credit score. The user can modify the element directly or simulate an action that, if performed, would modify the element. Since the number of possible modifications and actions can be overwhelming, in one embodiment, the system suggests modifications and actions to be simulated. These suggestions can be tailored to a user's goal, such as increasing a credit score by a particular number of points or allocating a particular sum of money in order to maximize a credit score. In one embodiment, the system obtains credit data from multiple credit bureaus and can determine credit scores using different algorithms, such as the different algorithms used by the different credit bureaus.

Credit score simulation

In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider The request may include personal information and user preferences for one or more protective actions The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences The system may also initiate protective actions, so that further unauthorized access to the account may be prevented

Systems and methods of identity protection and management

The present invention relates to application processing and decisioning systems and processes (Fig. 1). One embodiment of the invention includes a method for automating decisioning for a credit request associated with an applicant (Fig.2). The method includes providing a user computer interface adapted to receive information associated with an applicant, and further adapted to display and receive information associated with at least one decision rule (Fig. 3).

Application processing and decision systems and processes

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Application processing and decision systems and processes