IP Library › Granted Patent US 12,136,123
Granted Patent B2
US 12,136,123 · App. 17/959,567 · Granted Nov 5, 2024

Systems and methods for data monitoring

Inventors: Nimit Sharma (Brambleton, VA); Olivia Lewis Broeker (Arlington Heights, IL); Sripriya Tenepalli (Falls Church, VA); Bonnie Vig (San Francisco, CA); Alex Wu (Diamond Bar, CA)
Assignee: CAPITAL ONE SERVICES, LLC
G06Q40/03G06F3/0481
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Quick Facts
Patent No.
US 12,136,123
App. No.
17/959,567
Granted
Nov 5, 2024
Kind
B2
Abstract

Disclosed embodiments may include a system for data monitoring. The system may receive data associated with a user. The system may determine a rating corresponding to the user based on the received data. The system may dynamically generate a score by aggregating the rating and a respective second rating of additional user(s). The system may determine whether the score satisfies a first threshold. Responsive to determining the score satisfies the first threshold, the system may cause a user device to display, via a GUI, the score in a first format. Responsive to determining the score does not satisfy the first threshold, the system may determine whether the score satisfies a second threshold. Responsive to determining the score satisfies the second threshold, the system may generate a first modified GUI comprising the score in a second format, and may cause the user device to display the first modified GUI.

Claims (45)

1. A system, comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:

receive data associated with creditworthiness of a user;

determine a rating corresponding to the user based on the received data;

dynamically generate a score by aggregating the rating and a second rating respectively associated with each of one or more additional users;

generate a graphical user interface (GUI) configured to dynamically display the score;

determine whether the score satisfies a first threshold;

responsive to determining the score satisfies the first threshold, cause a user device to display, via the GUI, the score in a first format;

responsive to determining the score does not satisfy the first threshold:

determine whether the score satisfies a second threshold;

responsive to determining the score satisfies the second threshold:

modify the GUI to generate a first modified GUI by re-formatting the score into a second format; and

cause the user device to display the first modified GUI; and

responsive to determining the score does not satisfy the second threshold:

determine whether the score satisfies a third threshold;

responsive to determining the score satisfies the third threshold:

 modify the GUI to generate a second modified GUI by re-formatting the score into a third format; and

 cause the user device to display the second modified GUI; and

responsive to determining the score does not satisfy the third threshold:

 modify the GUI to generate a third modified GUI by re-formatting the score into a fourth format; and

 cause the user device to display the third modified GUI.

2. The system of claim 1 , wherein the instructions are further configured to cause the system to:

receive information associated with the user, wherein the information comprises one or more of financial information, transaction information, business information, entity information, account information, profile information, or combinations thereof;

determine a first rating corresponding to the user based on the received information;

determine whether the first rating exceeds a first predetermined threshold; and

responsive to determining the first rating exceeds a first predetermined threshold, assign a first review type to the user,

wherein the data is based on the first review type.

3. The system of claim 1 , wherein determining the rating is conducted by a machine learning model (MLM).

4. The system of claim 1 , wherein:

the user and the one or more additional users are associated with a shared category; and

aggregating the rating and the respective second rating of the one or more additional users is based on the shared category.

5. The system of claim 4 , wherein the first and second thresholds each comprise a respective percent range of total users within the shared category that satisfy one or more predetermined ratings.

6. The system of claim 1 , wherein the instructions are further configured to cause the system to:

receive, via the GUI, a user selection of a first input option;

generate a fourth modified GUI comprising the score in a fifth format based on the user selection; and

cause the user device to display the fourth modified GUI.

7. The system of claim 6 , wherein the user selection comprises a first time period.

8. The system of claim 1 , wherein the instructions are further configured to cause the system to:

receive, via the GUI, a user selection of a first grouping of scores, wherein the first grouping comprises the score and one or more additional aggregate scores;

generate a fourth modified GUI comprising one or more data fields corresponding to the first grouping; and

cause the user device to display the fourth modified GUI.

9. The system of claim 1 , wherein:

the first format comprises one or more of a first color, a first font, a first typographical emphasis, or combinations thereof, and

the second format comprises one or more of a second color, a second font, a second typographical emphasis, or combinations thereof.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 4, 2022
From: SHARMA, NIMIT; BROEKER, OLIVIA LEWIS; TENEPALLI, SRIPRIYA; VIG, BONNIE; WU, ALEX
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 061303/0953 →
Continuity (1)
Related Publication 20240112257A1 · Apr 4, 2024