IP Library Granted Patent US 12699736
Granted Patent B1
US 12699736 · App. 19/066,003 · Granted Aug 4, 2026

Database system for dynamically generating customized models

Inventors: Erik Peter Hjermstad (Lincoln, NE); Tony T. Morris (Huntington Beach, CA); Jennifer Kuhr Schwartz (Lincoln, NE); Heidi Beth Haupt (Streamwood, IL)
Assignee: Experian Information Solutions, Inc.
G06F16/9035G06F16/212G06F16/28G06F16/904G06F16/909G06Q30/0205
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Quick Facts
Patent No.
US 12699736
App. No.
19/066,003
Granted
Aug 4, 2026
Kind
B1
Abstract

Embodiments of a system may comprise databases and a processor that receives a first filter item and a database filter item, generates a first database based on the first filter item, integrate data from the first database into the user database to create an updated plurality of user records, generate a second database based on a selected set of records, in the updated plurality of user records, corresponding to the database filter item, determine metrics that correspond to the second database, generate a model to segregate the second database using the metrics, receive criteria, compare the segregated second database with the criteria to remove records that do not meet the criteria, cause a subsequent update to the updated second database to integrate data from the event database to create an updated diminished second database, and generate a notification including information included in the updated diminished second database.

Claims (51)

1 . A data processing system comprising:

a user database including a plurality of user records relating to property owners; and

a hardware processor configured to execute computer-executable instructions to:

receive, via an interactive user interface displayed on a user device, a database filter item;

generate a database including a plurality of records by extracting from the plurality of user records, a selected set of household level records of the plurality of user records matching the database filter item;

filter the plurality of records to create a diminished plurality of records that includes records that meet one or more selected metrics;

integrate data from an event database into the diminished plurality of records to create an updated diminished plurality of records;

based on an identification of one or more records existing in the updated diminished plurality of records, update the interactive user interface to include information included in the updated diminished plurality of records; and

automatically update the database to include an updated plurality of records when a threshold of change is detected in the user database.

2 . The data processing system of claim 1 , further comprising:

a scoring engine;

wherein the hardware processor is further configured to execute computer-executable instructions to:

execute the scoring engine using the updated diminished plurality of records to generate a score file; and

cause a second update to the updated diminished plurality of records to integrate data from the score file into the updated diminished plurality of records to create a scored diminished plurality of records.

3 . The data processing system of claim 2 , wherein the hardware processor is further configured to execute computer-executable instructions in order to analyze historical purchase rates and corresponding score file information and update the scoring engine accordingly.

4 . The data processing system of claim 1 , wherein the database filter item comprises one or more of: a geographic area, a vehicle make, a vehicle model, or a time period.

5 . The data processing system of claim 4 , wherein the hardware processor is further configured to generate an event notification indicating a quantity of households in the geographic area that satisfy the database filter item and a breakdown of the quantity of households in the geographic area that satisfy the database filter item according to one or more of: the vehicle make, the vehicle model, the time period, or a vehicle type.

6 . The data processing system of claim 4 , wherein the one or more selected metrics comprise a comparison of a number of relevant household level records to a total number of household level records in the geographic area.

7 . The data processing system of claim 1 , wherein the hardware processor is further configured to execute computer-executable instructions in order to analyze historical purchase rates and update database metrics the one or more selected metrics can be selected from.

8 . The data processing system of claim 1 , wherein the hardware processor creates the diminished plurality of records based on comparing a segregated plurality of records with criteria to update the segregated plurality of records to remove records that do not meet the criteria.

9 . A computer-implemented method comprising:

receiving, from a user computer system, a database filter item;

generating, by a database system, a database including a plurality of records by extracting a selected set of first level records corresponding to the database filter item from a plurality of user records of a user database;

filtering, by the database system, the plurality of records to create a diminished plurality of records that meet one or more selected metrics;

integrating, by the database system, data from an event database into the diminished plurality of records to create an updated diminished plurality of records;

automatically generating, by the database system, an electronic notification, for communication to the user computer system of a user, indicating information included in the updated diminished plurality of records; and

communicating, by the database system, the electronic notification to the user computer system.

10 . The computer-implemented method of claim 9 , further comprising:

automatically updating the database to include an updated plurality of records when a threshold of change is detected in the user database.

11 . The computer-implemented method of claim 9 , wherein the database filter item from the user computer system comprises at least a target metric associated with the user database.

12 . The computer-implemented method of claim 9 , wherein the database filter item from the user computer system comprises at least a geographic restriction associated with the user database.

13 . The computer-implemented method of claim 9 , further comprising:

accessing, by the database system, a scoring engine;

executing, by the database system, the scoring engine using the updated diminished plurality of records to generate a score file; and

causing, by the database system, another update to the updated diminished plurality of records to integrate data from the score file into the updated diminished plurality of records to create a scored diminished plurality of records.

14 . A data processing system comprising:

a user database including a plurality of user records; and

a hardware processor configured to execute computer-executable instructions to:

based on a request received via an interactive user interface displayed on a user device, calculate a number of households in the user database for one or more selected geographic zones;

append the calculated number of households for the one or more selected geographic zones to a first file;

receive criteria selected by the user device for filtering the first file;

sort the first file based on at least one or more generated metrics;

append the plurality of user records in the first file with identifying information;

generate a results file identifying those user records in the first file that meet the received criteria; and

automatically update the first file to include an updated number of households when a threshold of change is detected in the user database.

15 . The data processing system of claim 14 , wherein the received criteria comprises one or more of: a geographic area, a vehicle make, a vehicle model, or a time period.

16 . The data processing system of claim 15 , wherein the hardware processor is further configured to execute computer-executable instructions in order to generate an event notification indicating a quantity of households in the one or more selected geographic zones that satisfy the received criteria and a breakdown of the quantity of households in the one or more selected geographic zones that satisfy the received criteria according to one or more of: the vehicle make, the vehicle model, the time period, or a vehicle type.

17 . The data processing system of claim 14 , wherein the at least one or more generated metrics comprises at least a comparison of a number of relevant household level records to a total number of household level records in the one or more selected geographic zones.

18 . The data processing system of claim 14 , wherein the hardware processor is further configured to execute computer-executable instructions in order to analyze historical purchase rates and update the at least one or more generated metrics.

19 . The data processing system of claim 14 , wherein the hardware processor creates a diminished plurality of records based on removing records that do not meet the received criteria.

20 . The data processing system of claim 14 , wherein the at least one or more generated metrics comprises at least one of a target metric or a geographic restriction.