Solving problems with innovation

We innovate with expertise to help solve big problems, and little ones. Here, you’ll find the Experian products covered by one or more of the following US patents.

Experian business unit Name of product Patent number Issue date Application number Filing date
41st Derivative Locators I 10,417,637 09/17/19 14/609,388 01/29/15
41st Derivative Locators II 11,301,860 04/12/22 16/532,228 08/05/19
41st Click Compare 9,396,331 07/19/16 12/988,796 01/18/11
41st Data Spider 7,373,669 05/13/08 10/640,826 08/13/03
41st EZ Keys 9,412,123 08/09/16 10/612375 07/01/03
41st Global ID 9,990,631 06/05/18 14/710,552 05/12/15
41st Global ID 10,164,702 06/05/18 14/710,553 05/12/15
41st ImageMask I 8,612,854 12/17/13 11/612,425 12/18/06
41st ImageMask II 8,938,671 01/20/15 11/769,674 06/27/07
41st ImageMask III 9,703,983 07/11/17 14/580,085 12/22/14
41st Intellitags 9,060,012 06/16/15 11/862,165 09/26/07
41st Intellitags Consortium I 9,112,850 08/18/15 12/732,034 03/25/10
41st Intellitags Consortium II 9,948,629 04/17/18 14/826,107 08/13/15
41st Intellitags Consortium II 10,155,917 04/17/18 14/826,108 08/13/15
41st Mobile Device ID 9,521,551 12/13/16 13/831,085 03/14/13
41st Mobile Device ID II 10,021,099 07/19/18 15/358,848 11/22/16
41st Mobile Device ID II 10,173,487 07/19/18 15/358,849 11/22/16
41st Mobile Device ID III 10,341,344 07/02/19 16/016,337 06/22/18
41st Mobile Device ID III 10,208,625 07/02/19 16/016,338 06/22/18
41st Resolve I (formerly Zander) 10,091,312 10/02/18 14/882,340 10/13/15
41st Resolve I (formerly Zander) 10,191,056 10/02/18 14/882,341 10/13/15
41st Ring Logic 9,633,201 04/25/17 13/782,745 03/01/13
41st Ring Logic II 10,339,306 07/02/19 15/471,990 03/28/17
41st Ring Logic II 10,199,840 07/02/19 15/471,991 03/28/17
41st SafeSession I 8,151,327 04/03/12 11/694,882 03/30/07
41st SafeSession II 8,826,393 09/02/14 13/414,678 03/07/12
41st SafeSession III 9,196,004 11/24/15 14/473,818 08/29/14
41st SafeSession IV 9,754,311 09/05/17 14/931,799 11/03/15
41st SafeSession V 10,089,679 10/02/18 15/655,045 07/20/17
41st SafeSession V 10,182,271 10/02/18 15/655,046 07/20/17
41st TDL Consortium 9,390,384 07/12/16 12/496,572 07/01/09
41st TDL I 7,853,533 12/14/10 11/241,739 09/29/05
41st TDL II 8,862,514 10/14/14 12/248,867 10/09/08
41st Variable Risk Engine I 9,361,597 06/07/16 13/276,908 10/19/11
41st Variable Risk Engine II 9,754,256 09/05/17 15/151,346 05/10/16
41st WebGPS I 8,779,981 07/15/14 12/714,412 02/26/10
Auto AutoCheck Market Review 9,147,217 09/29/15 13/099,243 05/02/11
Auto Auto-Check Score Monitoring Service I 8,560,161 10/15/13 12/605,238 10/23/09
Auto Auto-Check Score Monitoring Service II 9,076,276 07/07/15 14/048626 10/08/13
Auto Auto-Check Score Monitoring Service III 9,053,590 06/09/15 14/048,590 10/08/13
Auto Auto-Check Score Monitoring Service IV 9,053,589 06/09/15 14/048583 10/08/13
Auto Auto-Check Vehicle Score I 8,005,759 08/23/11 11/893,609 08/16/07
Auto Auto-Check Vehicle Score II 8,392,334 03/05/13 13/214,877 08/22/11
Auto Automotive Product Loyalty System 8,626,560 01/07/14 12/943,781 11/10/10
BIS B2C Linkage 8,639,616 01/28/14 13/250,851 09/30/11
BIS Business Owner Linkage 7,912,865 03/22/11 11/862,086 09/26/07
CCM-Prod. Dev. Analytics True Touch I 8,346,593 01/01/13 10/881,436 06/30/04
CCM-Prod. Dev. Analytics True Touch II 9,471,928 10/18/16 13/689,425 11/29/12
CIS Collection Triggers 9,690,820 06/28/17 15/089,241 04/01/16
CIS Credit File Locking Service I 9,256,904 02/09/16 12/541,835 08/14/09
CIS Credit File Locking Service II 9,489,694 11/08/16 15/015,407 02/04/16
CIS Credit File Locking Service III (Zero Kelvin) 9,792,648 10/17/17 15/344,003 11/04/16
CIS Credit File Locking Service III (Zero Kelvin) 10,226,194 10/17/17 15/344,004 11/04/16
CIS Credit File Locking Service IV (Zero Kelvin) 10,115,155 10/30/18 15/704,289 09/14/17
CIS Credit File Locking Service IV (Zero Kelvin) 10,243,763 10/30/18 15/704,290 09/14/17
CIS Credit Portfolio Benchmarking I 7,676,418 03/09/10 11/475,428 06/26/06
CIS Credit Portfolio Benchmarking II 7,904,367 03/08/11 12/718,701 03/05/10
CIS Credit Portfolio Benchmarking III 8,001,034 08/16/11 13/028,106 02/15/11
CIS Credit Union Auto Loan Opportunity Calculator 7,962,404 06/14/11 11/936,720 11/07/07
CIS Data Quality 9,529,851 12/27/16 14/555,444 11/26/14
CIS File One Phone Numbers 9,697,263 07/04/17 13/784,063 03/04/13
CIS Gramercy Automatic z9 Roll-Up 10,102,536 10/16/18 14/244,186 04/03/14
CIS Gramercy Automatic z9 Roll-Up 10,234,979 10/16/18 14/244,187 04/03/14
CIS NextGen 8,775,299 07/08/14 13/546,965 07/11/12
CIS Omniactivation 9,767,309 09/19/17 15/253,743 08/31/16
CIS Orion I 7,908,242 03/15/11 11/103,659 04/11/05
CIS Orion II 8,065,264 11/22/11 13/043,793 03/09/11
CIS Orion III 8,583,593 11/12/13 13/300,414 11/18/11
CIS Permission Based Character Assessment I 8,931,058 01/06/15 13/175,401 07/01/11
CIS Permission Based Character Assessment II 8,744,956 06/03/14 13/594,448 08/24/12
CIS Prospect Navigator I 8,606,626 12/10/13 12/022,874 01/30/08
CIS Prospect Navigator II 9,508,092 11/29/16 14/090,834 11/26/13
CIS Prospect Navigator III 9,916,596 03/13/18 15/356,415 11/18/16
CIS Prospect Navigator III 10,311,466 06/04/19 15/884,027 01/30/18
CIS Prospect Navigator III 10,217,410 03/13/18 15/356,416 11/18/16
CIS Prospect Navigator III 10,252,548 06/04/19 15/884,028 01/30/18
CIS Prospect Triggers 8,732,004 05/20/14 11/231,339 09/20/05
CIS Service Disconnect/Connect-Based Change of Address 8,175,889 05/08/12 11/398,504 04/05/06
CIS/R&D Data Lab Consumer Payroll Data Verification I 9,147,042 09/29/15 13/302,414 11/22/11
CIS/R&D Data Lab Consumer Payroll Data Verification II 9,684,905 06/20/17 14/867,406 09/28/15
CSID Biometric Authentication I 8,819,793 08/26/14 13/236,687 09/20/11
CSID Biometric Authentication II 9,237,152 01/12/16 14/304,910 06/14/14
CSID Cyber Agent I 9,235,728 01/12/16 13/398,471 02/16/12
CSID Cyber Agent II 9,558,368 01/31/17 14/929,835 11/02/15
CSID Cyber Agent III 9,710,868 07/18/17 15/341,096 11/02/16
CSID De-duping Credit Inquiries I 8,812,387 08/19/14 13/828,566 03/14/13
CSID De-duping Credit Inquiries II 9,595,066 03/15/17 14/323,751 07/03/14
CSID Delayed Authentication/Billing 8,751,388 06/10/14 13/870,489 04/25/13
CSID Fraud Identification 8,359,278 01/22/13 11/846,305 08/28/07
CSID Voice Authentication 7,340,042 03/04/08 11/395,511 03/31/06
DA-Decisioning Attribute Generation 10,262,362 10/16/18 14/618,869 02/10/15
DA-Decisioning Attribute Generation 10,262,363 10/16/18 14/618,870 02/10/15
DA-Decisioning Attribute Toolbox III 10,078,868 09/18/18 15/464,089 03/20/17
DA-Decisioning Attribute Toolbox III 10,261,332 09/18/18 15/464,090 03/20/17
DA-Decisioning Bankruptcy PLUS 7,711,636 05/04/10 11/535,907 09/27/06
DA-Decisioning Debit Score 8,694,420 04/08/14 12/819,980 06/21/10
DA-Decisioning Leveling Tri-Bureau Attributes I  8,036,979 10/11/11 11/973,300 10/05/07
DA-Decisioning Leveling Tri-Bureau Attributes II 8,315,943 11/20/12 13/253,776 10/05/11
DA-Decisioning Leveling Tri-Bureau Attributes III 8,626,646 01/07/14 13/620,095 09/14/12
DA-Decisioning Leveling Tri-Bureau Attributes IV 9,563,916 02/07/17 14/091,232 11/26/13
DA-Decisioning Leveling Tri-Bureau Attributes V 10,121,194 11/06/18 15/389,160 12/22/16
DA-Decisioning Leveling Tri-Bureau Attributes V 10,270,117 11/06/18 15/389,161 12/22/16
DA-Decisioning Prediction Models 6,873,979 03/29/05 09/795,224 02/28/01
DA-Decisioning Prepayment Score 6,185,543 02/06/01 09/078,867 05/15/98
DA-Decisioning Present Value Optimization Marketing I 6,993,493 01/31/06 09/634,624 08/05/00
DA-Decisioning Present Value Optimization Marketing II 7,499,868 03/03/09 11/343,280 01/30/06
DA-Decisioning Present Value Optimization Marketing III 8,015,045 09/06/11 12/397,184 03/03/09
DA-Decisioning Present Value Optimization Marketing IV 8,285,577 10/09/12 13/190,832 07/26/11
DA-Decisioning Score Simulator CIP I 7,593,891 09/22/09 11/150,480 06/10/05
DA-Decisioning Score Simulator CIP II 7,925,582 04/12/11 12/563,779 09/21/09
DA-Decisioning Score Simulator CIP III 8,321,334 11/27/12 13/041,274 03/04/11
DA-Decisioning Score Simulator CIP IV 8,589,286 11/19/13 13/620,527 09/14/12
DA-Decisioning STAGG – Attribute Toolbox I 8,606,666 12/10/13 12/022,954 01/30/08
DA-Decisioning STAGG – Attribute Toolbox II 9,619,579 04/11/17 14/091,174 11/26/13
DA-Decisioning Targeted Advertising 6,925,441 08/02/05 08/958,675 10/27/97
DA-Decisioning Targeted Marketing Optimization 6,640,215 10/28/03 09/525,238 03/15/00
DA-Fraud BustOut Fraud Score I 7,991,689 10/28/03 12/220,320 07/23/08
DA-Fraud BustOut Fraud Score II 8,001,042 08/16/11 12/904,088 10/13/10
DA-Fraud Device-based tax return fraud detection (TRAP) 10,339,527 07/02/19 14/928,770 10/30/15
DA-Fraud Device-based tax return fraud detection (TRAP) 10,136,682 07/02/19 14/928,771 10/30/15
DA-Fraud Early Life Account Score 8,725,613 05/13/14 13/094,497 04/26/11
DA-Fraud First Party Fraud/Never Pay I 8,364,588 01/29/13 12/875,045 09/02/10
DA-Fraud First Party Fraud/Never Pay II 9,251,541 02/02/16 13/718,004 12/18/12
Data Labs TDIS (Transaction Data Insights) I 10,242,019 03/26/19 14/975,654 12/18/15
Data Quality Postal Address Database I 6,879,983 04/12/05 09/976,399 10/12/01
Data Quality Postal Address Database II 7,366,726 04/29/08 11/103,306 04/11/05
Data Quality Postal Address Database III 7,693,853 04/06/10 12/111,002 04/28/08
Data Quality Postal Address Database IV 7,917,544 03/29/11 12/754,547 04/05/10
DA-UK Flexion Platform 8,930,262 01/06/15 13/287,050 11/01/11
ECS Credit Data In Search Results 9,892,457 02/13/18 14/254,561 04/16/14
ECS Always On Authentication 8,856,894 10/07/14 13/797,364 03/12/13
ECS Authentication Alerts 9,665,854 05/30/17 13/524,920 06/15/12
ECS Authentication Alerts II 10,115,079 10/30/18 15/498304 04/26/17
ECS Card Registry I 8,127,986 03/06/12 12/334,278 12/12/08
ECS Card Registry II 9,230,283 01/05/16 13/919,898 06/17/13
ECS Card Registry III 9,542,682 01/10/17 14/987,463 01/04/16
ECS Card Registry IV 9,767,513 09/19/17 15/393,110 12/28/16
ECS Card Registry V 8,464,939 06/18/13 13/411,914 03/05/12
ECS Card Registry VI 9,990,674 06/05/18 15/654,639 07/19/17
ECS Cardpal I 7,451,113 11/11/08 10/393,699 03/21/03
ECS Cardpal II 7,689,505 03/30/10 12/131,548 06/02/08
ECS Cardpal III 8,781,953 07/15/14 12/702,424 02/09/10
ECS Child Identity Monitoring I 7,975,299 07/05/11 12/028,665 02/08/08
ECS Child Identity Monitoring II 7,841,004 11/23/10 12/718,936 03/05/10
ECS Cradle I 8,290,856 10/16/12 10/724,315 11/26/03
ECS Cradle II 8,290,840 10/16/12 12/117,275 05/08/08
ECS Credential Monitoring and Alerts I 9,106,691 08/11/15 13/234,637 09/16/11
ECS Credential Monitoring and Alerts II 9,542,553 01/10/17 14/819,824 08/06/15
ECS Credential Monitoring and Alerts III 10,061,936 08/28/18 15/391,032 12/27/16
ECS Credit Account Tiles 9,710,852 07/18/17 14/258,789 04/22/14
ECS Credit Data Extraction 10,255,598 04/09/19 13/706,996 12/06/12
ECS Credit Dispute Resolution I 9,406,085 08/02/16 13/831,341 03/14/13
ECS Credit Dispute Resolution II 9,697,568 07/04/17 15/195,823 06/28/16
ECS Credit Dispute Resolution III 10,043,214 08/07/18 15/610,913 06/01/17
ECS Credit Revolution I D759689 06/21/16 29/485,989 03/25/14
ECS Credit Revolution II D759690 06/21/16 29/485,991 03/25/14
ECS Credit Revolution III D760256 06/28/16 29/485,996 03/25/14
ECS Credit Utilization 9,870,589 01/16/18 14/208,646 03/13/14
ECS Credit Watch I 7,792,715 09/07/10 10/665,244 09/20/03
ECS Credit Watch II 7,970,679 06/28/11 12/874,364 09/02/10
ECS Credit Watch III 8,195,549 06/05/12 13/168,736 06/24/11
ECS Credit Watch IV 8,515,844 08/20/13 13/471,859 05/15/12
ECS CROA Registration 8,606,694 12/10/13 13/175,712 07/01/11
ECS Debt Manager aka Debt Trending I 8,095,443 01/10/12 12/487,155 06/18/09
ECS Debt Manager aka Debt Trending II 8,930,251 01/06/15 13/345,319 01/06/12
ECS Debt Services Candidate Locator 9,536,263 01/03/17 14/280,527 05/16/14
ECS Debt Services Candidate Locator I 9,972,048 05/15/18 15/382,507 12/16/16
ECS Debt Settlement 8,738,516 05/27/14 13/651,127 10/12/12
ECS Digital Identity 9,721,147 08/01/17 14/276,540 05/13/14
ECS Exposing Reporting Cycle Information 9,558,519 01/31/17 13/098,330 04/29/11
ECS Format Preserving Encrypting I 9,830,646 11/28/17 13/804,460 03/14/13
ECS Hackable Risk I 10,102,570 10/16/18 13/829,912 03/14/13
ECS House America 8,660,919 02/25/14 11/173,440 07/01/05
ECS Indirect Credit Monitoring 9,652,802 05/16/17 13/069,896 03/23/11
ECS Inquiry Alerts 9,607,336 03/28/17 13/525,061 06/15/12
ECS KBA Adjustments 9,633,322 04/25/17 14/208,595 03/13/14
ECS KBA Adjustments II 10,169,761 01/01/19 15/459,927 03/15/17
ECS Keeping up with the Joneses 9,576,030 02/21/17 14/271,741 05/07/14
ECS Keeping up with the Joneses II 10,019,508 07/10/18 15/399,134 01/05/17
ECS Lifescore 9,483,606 11/01/16 13/543,669 07/06/12
ECS Lifescore II 10,176,233 01/08/19 15/332,806 10/24/16
ECS Mobile Credit App User Interface Design I D710867 08/12/14 29/447,791 03/06/13
ECS Mobile Credit App User Interface Design II D717332 11/11/14 29/447,796 03/06/13
ECS Mobile Credit App User Interface Design III D718327 11/25/14 29/447,787 03/06/13
ECS Mobile Credit App User Interface Design IV D725664 03/31/15 29/447,795 03/06/13
ECS Mobile Credit App User Interface Design V D729268 05/12/15 29/447,780 03/06/13
ECS Mobile Credit App User Interface Design VI D753155 04/05/16 29/447,788 03/06/13
ECS Online Identity Management (SafetyWeb) 8,782,217 07/15/14 13/293,014 11/09/11
ECS Owizme 8,060,424 11/15/11 12/265,249 11/05/08
ECS Pay Now Button 9,443,268 09/13/16 14/164561 01/27/14
ECS Personal Data Locker 9,853,959 12/26/17 13/794,514 03/11/13
ECS Personal Finance Program Integration I 7,853,493 12/14/10 12/141,317 06/18/08
ECS Personal Finance Program Integration II 8,355,967 01/15/13 12/966,932 12/13/10
ECS Project 4 Seasons: Application Clusters I 8,478,674 07/02/13 13/250,453 09/30/11
ECS Project 4 Seasons: Application Clusters II 8,818,888 08/26/14 13/929,692 06/27/13
ECS Project 4 Seasons: People Search 8,484,186 07/09/13 13/235,049 09/16/11
ECS Score Factor Flashcards 9,916,621 03/13/18 13/797,011 03/12/13
ECS Score Planner Scenarios with drill down 9,569,797 02/14/17 13/326,803 12/15/11
ECS Score Simulator I 7,610,229 10/27/09 10/452,155 05/30/03
ECS Score Simulator II 8,015,107 09/06/11 12/606,060 10/26/09
ECS Score Simulator III 8,335,741 12/18/12 13/225,225 09/02/11
ECS Spin Wheel Interface I 8,930,263 01/06/15 13/826,118 03/14/13
ECS Spin Wheel Interface II 9,058,627 06/16/15 14/226,499 03/26/14
ECS Spin Wheel Interface III 9,400,589 07/26/16 13/797,278 03/12/13
ECS Tell Me About Me (Super-cookie) 9,654,541 05/16/17 14/077,090 11/11/13
ECS Tracking updates to personal information 9,477,737 10/25/16 14/548,016 11/19/14
ECS Tracking updates to personal information II 10,025,842 07/17/18 15/295,435 10/17/16
ECS User Profiles Crowdsourcing 8,972,400 03/03/15 13/794,459 03/11/13
ECS Validated Company Data I 8,285,656 10/09/12 12/058,632 03/28/08
ECS Validated Company Data II 9,342,783 05/17/16 13/620,103 09/14/12
Healthcare 271 Embedded Alerts 9,324,111 04/26/16 14/099,804 12/06/13
Healthcare Account Contribution Management 8,600,885 12/03/13 13/326,134 12/14/11
Healthcare Assessing Credit for Healthcare Patients I 7,904,306 03/08/11 11/218,069 09/01/05
Healthcare Assessing Credit for Healthcare Patients II 8,452,611 05/28/13 12/699,789 02/03/10
Healthcare Assessing Credit for Healthcare Patients III 8,930,216 01/06/15 13/902,528 05/24/13
MIS/CIS/DA Migration Attributes 8,595,101 11/26/13 12/554,760 09/04/09
MIS-UK Mosaic Economics 8,364,518 01/29/13 13/026,856 02/14/11
Targeting Audience IQ 9,152,727 10/06/15 13/215,161 08/22/11
Targeting Experian Distributed Network Appliance (EDNA) I 9,595,051 03/14/17 14/627,338 02/20/15
Targeting Experian Distributed Network Appliance (EDNA) II 8,639,920 01/28/14 12/777,998 05/11/10
Targeting Experian Distributed Network Appliance (EDNA) III 8,966,649 02/24/15 14/162,498 01/23/14
Targeting Real Time Market for Leads (RTML) Stage 1 8,135,607 03/13/12 11/671,411 02/05/07
Targeting Real Time Market for Leads (RTML) Stage 2 7,752,236 07/06/10 11/671,412 02/05/07
Targeting Real Time Market for Leads (RTML) Stage 3 I 8,027,871 09/27/11 11/671,424 02/05/07
Targeting Real Time Market for Leads (RTML) Stage 3 II 8,271,313 09/18/12 13/245,312 09/26/11
Targeting Real Time Market for Leads (RTML) Stage 3 III 8,626,563 01/07/14 13/608,733 09/10/12
Targeting Real Time Marketing for Leads (RTML-Legacy) 6,144,988 11/07/00 09/121,291 07/23/98
Targeting Realtime Profile Data Server (RTM) I  7,996,521 08/09/11 11/942,613 11/19/07
Targeting Realtime Profile Data Server (RTM) II 8,145,754 03/27/12 13/197,610 08/03/11
Targeting Realtime Profile Data Server (RTM) III 8,533,322 09/10/13 13/427,676 03/22/12
Targeting Realtime Profile Data Server (RTM) IV 9,058,340 06/16/15 14/021231 09/09/13
Targeting SuperKey I 8,312,033 11/13/12 12/493,115 06/26/09
Targeting SuperKey II 8,954,459 02/10/15 13/673,918 11/09/12
Targeting Thin File ITA Solution I 7,742,982 06/22/10 11/871,572 10/12/07
Targeting Thin File ITA Solution II 8,024,264 09/20/11 12/818,096 06/17/10
Targeting Thin File ITA Solution III 8,271,378 09/18/12 13/236,555 09/19/11
Targeting Thin File ITA Solution IV 8,738,515 05/27/14 13/620,250 09/14/12
Targeting Truvue Business Linking I  7,647,344 01/12/10 10/651,469 08/29/03
Targeting Truvue Business Linking II 8,001,153 08/16/11 12/620,323 11/17/09
Targeting Truvue Business Linking III 8,671,115 03/11/14 13/180,028 07/11/11
Targeting Truvue Business Linking IV 9,256,624 02/09/16 14/160,973 01/22/14
Targeting Truvue Business Linking V 9,710,523 07/18/17 15/015,946 02/04/16
Targeting Voyager -- Metadata I  7,707,163 04/27/10 11/151,137 06/13/05
Targeting Voyager -- Metadata II 8,135,747 03/13/12 12/719,217 05/08/10
Targeting Voyager -- Metadata III 8,775,473 07/08/14 13/366,284 02/04/12
Targeting Voyager -- Metadata IV 9,201,981 12/01/15 14/287,007 05/24/14
Targeting Voyager -- Metadata V 9,454,578 09/27/16 14/953,365  11/29/15
Targeting Voyager-Architecture 8,510,329 08/13/13 11/137,618 05/25/05