Granted Patent B1

US 8,812,482 · App. 12/904,676 · Granted Aug 19, 2014

Inventors: Vikas Kapoor (New York, NY); Abhilash Madhavarapu (Nutley, NJ)

Abstract

Claims (92)

1. An automated, data integrating, processor-implemented method, comprising:

accessing a database of consumer information; obtaining information of at least one consumer account from the accessed database;

generating a list of updated account information based on the obtained information, comprising:

obtaining a timestamp of the obtained information, forming a query based on the timestamp of the obtained information, determining what information was updated after the timestamp, and

storing the information updated after the timestamp in the list of updated account information;

storing the obtained information of the at least one consumer account in temporary memory space;

querying a list of existing consumer accounts based on the obtained information of the at least one consumer account;

if the obtained information of the at least one consumer account matches with an existing consumer account, storing the obtained information of the at least one consumer associated with the matched consumer account;

if the obtained information of the at least one consumer account does not match with any existing consumer account, creating a new consumer account based on the obtained information of the at least one consumer account;

receiving a data report specification including at least a limiter and a chooser;

generating a database query statement based on the chooser;

querying tables in a database associated with the limiter using the database query statement;

retrieving at least one data value corresponding to the chooser based on the querying the tables; and

generating a report comprising the at least one data value.

2. The method of claim 1 , wherein the accessed database may be any of: an external client database, a third party data service, and an internal database storing consumer interaction history.

3. The method of claim 2 , wherein the consumer information is stored in the database based on at least one universal variable.

4. The method of claim 3 , wherein the universal variable may be consumer demographic information.

5. The method of claim 1 , wherein the timestamp indicates a time of last data synchronization with the accessed database.

6. The method of claim 1 , wherein the query is formed based on a universal variable associated with the at least one consumer account.

7. The method of claim 1 , further comprising:

releasing the temporary memory space after data integration is finished.

8. The method of claim 1 , wherein the automated data integrating is periodically scheduled.

9. The method of claim 1 , further comprising:

generate a list of updated consumer accounts;

sending the generated list to a third party entity for verification;

receiving an indication of match result from the third party entity; and

for every updated account on the list:

deleting the account if the account does not exist in the third party record,

storing the account if the account exists in the third party record.

10. The method of claim 9 , further comprising:

receiving at least one phone number from the third party entity; and

storing the at least one phone number in a phone buffer.

11. The method of claim 9 , wherein the third party entity is a credit report company.

12. The method of claim 1 , further comprising:

periodically checking updates of a stored record of phone numbers; and

sending an updated phone number record to a consumer scoring module.

13. The method of claim 10 , further comprising:

receiving information of a consumer associated with the at least one phone number from the third party; and

storing the information associated with consumer.

14. The method of claim 13 , wherein the received information comprises consumer credit history.

15. An automated, data integrating, processor-accessible medium, comprising:

a plurality of processing instructions stored in the medium and issuable by a processor to:

access a database of consumer information;

obtain information of at least one consumer account from the accessed database;

generate a list of updated account information based on the obtained information, comprising:

obtain a timestamp of the obtained information,

form a query based on the timestamp of the obtained information,

determine what information was updated after the timestamp, and

store the information updated after the timestamp in the list of updated account information;

store the obtained information of the at least one consumer account in temporary memory space;

query a list of existing consumer accounts based on the obtained information of the at least one consumer account;

if the obtained information of the at least one consumer account matches with an existing consumer account, store the obtained information of the at least one consumer associated with the matched consumer account;

if the obtained information of the at least one consumer account does not match with any existing consumer account, create a new consumer account based on the obtained information of the at least one consumer account;

receive a data report specification including at least a limiter and a chooser;

generate a database query statement based on the chooser;

querying tables in a database associated with the limiter using the database query statement;

retrieving at least one data value corresponding to the chooser based on the querying the tables; and

generate a report comprising the at least one data value.

16. An automated, strategic dialing, processor-implemented system, comprising:

means to access a database of consumer information;

means to obtain information of at least one consumer account from the accessed database;

means to generate a list of updated account information based on the obtained information, comprising:

means to obtain a timestamp of the obtained information,

means to form a query based on the timestamp of the obtained information,

means to determine what information was updated after the timestamp, and

means to store the information updated after the timestamp in the list of updated account information;

means to store the obtained information of the at least one consumer account in temporary memory space;

means to query a list of existing consumer accounts based on the obtained information of the at least one consumer account;

means to if the obtained information of the at least one consumer account matches with an existing consumer account, store the obtained information of the at least one consumer associated with the matched consumer account;

means to if the obtained information of the at least one consumer account does not match with any existing consumer account, create a new consumer account based on the obtained information of the at least one consumer account;

receive a data report specification including at least a limited and a chooser;

generate a database query statement based on the chooser;

query tables in a database associated with the limiter using the database query statement;

retrieve at least one data value corresponding to the chooser based on the querying the tables; and

generate a report comprising the at least one data value.

17. An automated strategic dialing apparatus, comprising:

a memory;

a processor disposed in communication with said memory and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:

access a database of consumer information;

obtain information of at least one consumer account from the accessed database;

generate a list of updated account information based on the obtained information, comprising:

form a query based on a timestamp of the obtained information, and

store information updated after the timestamp in the list of updated account information;

store the obtained information of the at least one consumer account in temporary memory space;

query a list of existing consumer accounts based on the obtained information of the at least one consumer account;

if the obtained information of the at least one consumer account matches with an existing consumer account, store the obtained information of the at least one consumer associated with the matched consumer account;

if the obtained information of the at least one consumer account does not match with any existing consumer account, create a new consumer account based on the obtained information of the at least one consumer account;

receive a data report specification including at least a limiter and a chooser;

generate a database query statement based on the chooser;

query tables in a database associated with the limiter using the database query statement;

retrieve at least one data value corresponding to the chooser based on the querying the tables; and

generate a report comprising the at least one data value.

Assignments (21)

Continuity (15)