CL2019003535A1 - Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia. - Google Patents

Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia.

Info

Publication number
CL2019003535A1
CL2019003535A1 CL2019003535A CL2019003535A CL2019003535A1 CL 2019003535 A1 CL2019003535 A1 CL 2019003535A1 CL 2019003535 A CL2019003535 A CL 2019003535A CL 2019003535 A CL2019003535 A CL 2019003535A CL 2019003535 A1 CL2019003535 A1 CL 2019003535A1
Authority
CL
Chile
Prior art keywords
consumer
credit
loan
user
data set
Prior art date
Application number
CL2019003535A
Other languages
English (en)
Inventor
Paolo Fidanza
Andres Rosso
Andrii Kurinnyi
Original Assignee
Mo Tecnologias Llc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US15/847,991 external-priority patent/US10949918B2/en
Application filed by Mo Tecnologias Llc filed Critical Mo Tecnologias Llc
Publication of CL2019003535A1 publication Critical patent/CL2019003535A1/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Software Systems (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Evolutionary Computation (AREA)
  • Data Mining & Analysis (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Medical Informatics (AREA)
  • Artificial Intelligence (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Mathematical Physics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

UN SISTEMA Y MÉTODO DETERMINAN LA SOLVENCIA CREDITICIA DE UN CONSUMIDOR Y EMITEN UN PRÉSTAMO Y GENERAN UN PERFIL DE COMPORTAMIENTO PARA ESE CONSUMIDOR. SE ADQUIERE UN CONJUNTO DE DATOS INICIAL DEL CONSUMIDOR QUE INCLUYE ATRIBUTOS NO DE IDENTIFICACIÓN SIN OBTENER UN NOMBRE COMPLETO, UN NÚMERO DE TARJETA DE CRÉDITO, UN NÚMERO DE PASAPORTE, O UN NÚMERO ID EXPEDIDO POR EL GOBIERNO QUE PERMITE LA IDENTIFICACIÓN DEL CONSUMIDOR. UN NÚMERO ID DE USUARIO COINCIDE CON EL CONJUNTO DE DATOS INICIAL A UN USUARIO FÍSICO EN UNA BASE DE DATOS DE TRANSACCIÓN. UNA PUNTUACIÓN DE CRÉDITO BASADA EN EL CRÉDITO PROMEDIO ENTRA UNA PLURALIDAD DE PERFILES DE USUARIO SE HACE COINCIDIR PARA DETERMINAR UN CRÉDITO MÁXIMO PARA EL CONSUMIDOR. UN MODELO DE APRENDIZAJE DE MÁQUINA SE PUEDE APLICAR A LOS DATOS DE PRÉSTAMO DEL CONSUMIDOR ALMACENADOS PARA DETERMINAR CUANDO EL CONSUMIDOR REQUIERE UN INCREMENTO EN EL CRÉDITO PERMITIDO MÁXIMO Y EL RIESGO IMPLICADO CON INCREMENTAR EL CRÉDITO PERMITIDO MÁXIMO.
CL2019003535A 2017-06-05 2019-12-04 Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia. CL2019003535A1 (es)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201762515053P 2017-06-05 2017-06-05
US201762543443P 2017-08-10 2017-08-10
US15/847,991 US10949918B2 (en) 2017-06-05 2017-12-20 System and method for issuing a loan to a consumer determined to be creditworthy and generating a behavioral profile of that consumer
US15/964,247 US10878494B2 (en) 2017-06-05 2018-04-27 System and method for issuing a loan to a consumer determined to be creditworthy and with bad debt forecast

Publications (1)

Publication Number Publication Date
CL2019003535A1 true CL2019003535A1 (es) 2020-05-15

Family

ID=64460400

Family Applications (1)

Application Number Title Priority Date Filing Date
CL2019003535A CL2019003535A1 (es) 2017-06-05 2019-12-04 Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia.

Country Status (12)

Country Link
US (2) US10878494B2 (es)
EP (1) EP3635673A4 (es)
JP (1) JP6913241B2 (es)
AU (1) AU2018281831A1 (es)
BR (1) BR112019025671A2 (es)
CA (1) CA3065807C (es)
CL (1) CL2019003535A1 (es)
CO (1) CO2019013854A2 (es)
EC (1) ECSP20000116A (es)
MX (1) MX2019014614A (es)
PE (1) PE20200312A1 (es)
WO (1) WO2018226337A1 (es)

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Also Published As

Publication number Publication date
JP6913241B2 (ja) 2021-08-04
CA3065807A1 (en) 2018-12-13
BR112019025671A2 (pt) 2020-09-01
EP3635673A1 (en) 2020-04-15
PE20200312A1 (es) 2020-02-11
US20210097603A1 (en) 2021-04-01
CA3065807C (en) 2022-05-31
JP2020522832A (ja) 2020-07-30
EP3635673A4 (en) 2020-07-08
US20180349986A1 (en) 2018-12-06
WO2018226337A1 (en) 2018-12-13
AU2018281831A1 (en) 2019-12-19
CO2019013854A2 (es) 2020-01-17
MX2019014614A (es) 2020-07-29
US10878494B2 (en) 2020-12-29
ECSP20000116A (es) 2020-05-29

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