Methods and systems for consolidating profiles for joint application determination
US11803813B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | May 29, 2020 |
| Grant date | Oct 31, 2023 |
| Priority date | — |
| Expiry date | Jan 7, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/03
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.