CO2019013854A2 - 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 crediticiaInfo
- Publication number
- CO2019013854A2 CO2019013854A2 CONC2019/0013854A CO2019013854A CO2019013854A2 CO 2019013854 A2 CO2019013854 A2 CO 2019013854A2 CO 2019013854 A CO2019013854 A CO 2019013854A CO 2019013854 A2 CO2019013854 A2 CO 2019013854A2
- Authority
- CO
- Colombia
- Prior art keywords
- consumer
- credit
- loan
- user
- data set
- Prior art date
Links
Classifications
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- 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)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Software Systems (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Economics (AREA)
- Medical Informatics (AREA)
- Data Mining & Analysis (AREA)
- Evolutionary Computation (AREA)
- General Engineering & Computer Science (AREA)
- Computing Systems (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Mathematical Physics (AREA)
- Artificial Intelligence (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.
Applications Claiming Priority (5)
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 |
PCT/US2018/031300 WO2018226337A1 (en) | 2017-06-05 | 2018-05-07 | System and method for issuing a loan to a consumer determined to be creditworthy |
Publications (1)
Publication Number | Publication Date |
---|---|
CO2019013854A2 true CO2019013854A2 (es) | 2020-01-17 |
Family
ID=64460400
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CONC2019/0013854A CO2019013854A2 (es) | 2017-06-05 | 2019-12-10 | 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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-
2018
- 2018-04-27 US US15/964,247 patent/US10878494B2/en active Active
- 2018-05-07 MX MX2019014614A patent/MX2019014614A/es unknown
- 2018-05-07 BR BR112019025671-7A patent/BR112019025671A2/pt not_active IP Right Cessation
- 2018-05-07 EP EP18813326.8A patent/EP3635673A4/en not_active Withdrawn
- 2018-05-07 CA CA3065807A patent/CA3065807C/en active Active
- 2018-05-07 PE PE2019002509A patent/PE20200312A1/es unknown
- 2018-05-07 JP JP2020517280A patent/JP6913241B2/ja active Active
- 2018-05-07 WO PCT/US2018/031300 patent/WO2018226337A1/en active Search and Examination
- 2018-05-07 AU AU2018281831A patent/AU2018281831A1/en not_active Abandoned
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2019
- 2019-12-04 CL CL2019003535A patent/CL2019003535A1/es unknown
- 2019-12-10 CO CONC2019/0013854A patent/CO2019013854A2/es unknown
-
2020
- 2020-01-02 EC ECSENADI2020116A patent/ECSP20000116A/es unknown
- 2020-11-30 US US17/106,305 patent/US20210097603A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
EP3635673A4 (en) | 2020-07-08 |
US20210097603A1 (en) | 2021-04-01 |
WO2018226337A1 (en) | 2018-12-13 |
PE20200312A1 (es) | 2020-02-11 |
MX2019014614A (es) | 2020-07-29 |
ECSP20000116A (es) | 2020-05-29 |
JP6913241B2 (ja) | 2021-08-04 |
US20180349986A1 (en) | 2018-12-06 |
CA3065807C (en) | 2022-05-31 |
US10878494B2 (en) | 2020-12-29 |
BR112019025671A2 (pt) | 2020-09-01 |
CL2019003535A1 (es) | 2020-05-15 |
JP2020522832A (ja) | 2020-07-30 |
CA3065807A1 (en) | 2018-12-13 |
AU2018281831A1 (en) | 2019-12-19 |
EP3635673A1 (en) | 2020-04-15 |
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