ECSP20000116A - 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
ECSP20000116A
ECSP20000116A ECSENADI2020116A ECDI202000116A ECSP20000116A EC SP20000116 A ECSP20000116 A EC SP20000116A EC SENADI2020116 A ECSENADI2020116 A EC SENADI2020116A EC DI202000116 A ECDI202000116 A EC DI202000116A EC SP20000116 A ECSP20000116 A EC SP20000116A
Authority
EC
Ecuador
Prior art keywords
consumer
credit
loan
user
data set
Prior art date
Application number
ECSENADI2020116A
Other languages
English (en)
Inventor
Andrii Kurinnyi
Andres Rosso
Paolo Fidanza
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 ECSP20000116A publication Critical patent/ECSP20000116A/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.
ECSENADI2020116A 2017-06-05 2020-01-02 Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia ECSP20000116A (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
ECSP20000116A true ECSP20000116A (es) 2020-05-29

Family

ID=64460400

Family Applications (1)

Application Number Title Priority Date Filing Date
ECSENADI2020116A ECSP20000116A (es) 2017-06-05 2020-01-02 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)

Families Citing this family (42)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10127240B2 (en) 2014-10-17 2018-11-13 Zestfinance, Inc. API for implementing scoring functions
US11941650B2 (en) * 2017-08-02 2024-03-26 Zestfinance, Inc. Explainable machine learning financial credit approval model for protected classes of borrowers
WO2019173734A1 (en) 2018-03-09 2019-09-12 Zestfinance, Inc. Systems and methods for providing machine learning model evaluation by using decomposition
WO2019212857A1 (en) 2018-05-04 2019-11-07 Zestfinance, Inc. Systems and methods for enriching modeling tools and infrastructure with semantics
US11651314B1 (en) * 2018-06-26 2023-05-16 Gbt Travel Services Uk Limited Determining customer attrition risk
US11544630B2 (en) * 2018-10-15 2023-01-03 Oracle International Corporation Automatic feature subset selection using feature ranking and scalable automatic search
US11061902B2 (en) 2018-10-18 2021-07-13 Oracle International Corporation Automated configuration parameter tuning for database performance
US11025666B1 (en) * 2018-12-03 2021-06-01 NortonLifeLock Inc. Systems and methods for preventing decentralized malware attacks
US20200218987A1 (en) * 2019-01-03 2020-07-09 Discover Financial Services Generating gradient boosting machine model reason codes
US11816541B2 (en) 2019-02-15 2023-11-14 Zestfinance, Inc. Systems and methods for decomposition of differentiable and non-differentiable models
CA3134043A1 (en) * 2019-03-18 2020-09-24 Sean Javad Kamkar Systems and methods for model fairness
US11531915B2 (en) 2019-03-20 2022-12-20 Oracle International Corporation Method for generating rulesets using tree-based models for black-box machine learning explainability
CN110738564A (zh) * 2019-10-16 2020-01-31 信雅达系统工程股份有限公司 贷后风险评估方法及装置、存储介质
US20210133894A1 (en) * 2019-11-01 2021-05-06 Square, Inc. System and method for generating dynamic repayment terms
US11727284B2 (en) * 2019-12-12 2023-08-15 Business Objects Software Ltd Interpretation of machine learning results using feature analysis
WO2021127281A1 (en) * 2019-12-18 2021-06-24 Cash Flow Solutions, Inc. Systems and methods for determining an affordability index
CN112288455A (zh) * 2020-01-09 2021-01-29 北京沃东天骏信息技术有限公司 标签生成方法及装置、计算机可读存储介质、电子设备
US11501386B2 (en) 2020-02-04 2022-11-15 Kpn Innovations, Llc. Methods and systems for physiologically informed account metrics utilizing artificial intelligence
US11423365B2 (en) 2020-02-17 2022-08-23 Mo Tecnologias, Llc Transaction card system having overdraft capability
CN111400663B (zh) * 2020-03-17 2022-06-14 深圳前海微众银行股份有限公司 模型训练方法、装置、设备及计算机可读存储介质
US11321776B2 (en) * 2020-04-28 2022-05-03 Intuit Inc. System and method for providing additonal monthly income by capitalizing expected annual tax refund to monthly payments and or predicting accurate tax withholdings for certain taxpayers
WO2021248114A1 (en) * 2020-06-05 2021-12-09 Elementus Inc. Systems and methods for quantifying and electronically displaying degrees of association between blockchain addresses
US11556508B1 (en) 2020-06-08 2023-01-17 Cigna Intellectual Property, Inc. Machine learning system for automated attribute name mapping between source data models and destination data models
US20220012754A1 (en) * 2020-07-08 2022-01-13 Zeta Global Corp. System of evaluating real-time employment risk and method of operating
CN112232388B (zh) * 2020-09-29 2024-02-13 南京财经大学 基于elm-rfe的购物意图关键因素识别方法
US11989657B2 (en) 2020-10-15 2024-05-21 Oracle International Corporation Automated machine learning pipeline for timeseries datasets utilizing point-based algorithms
CN112330169A (zh) * 2020-11-12 2021-02-05 青岛征信服务有限公司 一种基于政务大数据的信用评价方法及系统
US20220164868A1 (en) * 2020-11-24 2022-05-26 Fidelity Information Services, Llc Real-time online transactional processing systems and methods
US11720962B2 (en) 2020-11-24 2023-08-08 Zestfinance, Inc. Systems and methods for generating gradient-boosted models with improved fairness
US11985270B2 (en) * 2020-12-23 2024-05-14 Acqueon Technologies Inc. System and methods for adaptive campaign management and predictive customer engagement utilizing a customer data platform
CN112527846B (zh) * 2020-12-31 2021-12-31 广东鑫兴科技有限公司 入库码生成方法、装置、电子设备及存储介质
US20230162284A1 (en) * 2021-01-04 2023-05-25 Wells Fargo Bank, N.A. Apparatuses, computer-implemented methods, and computer program products for dynamic valuation determinations
US11854074B1 (en) 2021-01-12 2023-12-26 Wells Fargo Bank, N.A. Geolocation-based mesh automatic lending network
US11556951B1 (en) 2021-01-12 2023-01-17 Wells Fargo Bank, N.A. Systems and methods for geolocation-based city and community promoted augmented reality rewards
US11776004B1 (en) 2021-01-12 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for geolocation-based city and community promoted augmented reality rewards
US11561666B1 (en) 2021-03-17 2023-01-24 Wells Fargo Bank, N.A. User interfaces for contextual modeling for electronic loan applications
CN113269355A (zh) * 2021-05-12 2021-08-17 广州市全民钱包科技有限公司 一种用户贷款预测方法、装置及存储介质
CN113344700B (zh) * 2021-07-27 2024-04-09 上海华瑞银行股份有限公司 一种基于多目标优化的风控模型构建方法、装置和电子设备
US20230206319A1 (en) * 2021-12-28 2023-06-29 Crepass Solutions Inc. Method and apparatus for creating alternative data risk assessment using mobile data
WO2023148529A1 (en) * 2022-02-07 2023-08-10 Michael Shvartsman Assessment engines and methods of operating thereof
US20230267444A1 (en) * 2022-02-18 2023-08-24 Bank Of America Corporation Proximity-based device pairing system via acoustic communication for secure resource transfer
US11792125B1 (en) * 2023-05-16 2023-10-17 Citibank, N.A. Reducing network traffic by filtering network requests based on network request-related information systems and methods

Family Cites Families (38)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6249775B1 (en) 1997-07-11 2001-06-19 The Chase Manhattan Bank Method for mortgage and closed end loan portfolio management
US7050999B1 (en) 1999-04-22 2006-05-23 Resona Holdings, Inc. System for computing probability distribution of loan losses
WO2002042982A2 (en) 2000-11-27 2002-05-30 Nextworth, Inc. Anonymous transaction system
US7366694B2 (en) 2001-08-16 2008-04-29 Mortgage Grader, Inc. Credit/financing process
JP4410067B2 (ja) * 2004-09-10 2010-02-03 日本電信電話株式会社 匿名与信情報付与システム、匿名与信情報生成装置、与信情報検証装置、匿名情報検証装置、匿名与信情報受理装置及びプログラム
JP2006309369A (ja) * 2005-04-27 2006-11-09 Samuel:Kk ファンド運用管理システム及びその方法、並びにファンド運用管理プログラム及びそのプログラムを記憶した記憶媒体
US20080221972A1 (en) 2005-10-24 2008-09-11 Megdal Myles G Method and apparatus for determining credit characteristics of a consumer
US20080120133A1 (en) 2006-11-21 2008-05-22 Arvind Krishnaswami Method for predicting the payment of medical debt
US7970676B2 (en) 2007-08-01 2011-06-28 Fair Isaac Corporation Method and system for modeling future action impact in credit scoring
US20090112744A1 (en) * 2007-10-24 2009-04-30 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Loan Acquisition
US7882027B2 (en) 2008-03-28 2011-02-01 American Express Travel Related Services Company, Inc. Consumer behaviors at lender level
US8521631B2 (en) 2008-05-29 2013-08-27 Sas Institute Inc. Computer-implemented systems and methods for loan evaluation using a credit assessment framework
US8181867B1 (en) 2009-01-06 2012-05-22 Sprint Communications Company L.P. Transit card credit authorization
US8799150B2 (en) * 2009-09-30 2014-08-05 Scorelogix Llc System and method for predicting consumer credit risk using income risk based credit score
US8489499B2 (en) 2010-01-13 2013-07-16 Corelogic Solutions, Llc System and method of detecting and assessing multiple types of risks related to mortgage lending
US8458074B2 (en) 2010-04-30 2013-06-04 Corelogic Solutions, Llc. Data analytics models for loan treatment
US20120116944A1 (en) 2010-11-05 2012-05-10 Dicarlo Dean System and Method of Electronic Exchange for Residential Mortgages
US8694401B2 (en) * 2011-01-13 2014-04-08 Lenddo, Limited Systems and methods for using online social footprint for affecting lending performance and credit scoring
US20120239553A1 (en) 2011-03-16 2012-09-20 Metro Enterprises, Inc. Method for processing and funding short-term loans to a consumer and a method for converting currency, both to a mobile credit storage facility account
US8706716B2 (en) 2011-11-23 2014-04-22 Rawllin International Inc. Iterative and dynamic search of publicly available data based on augmentation of search terms and validation of data relevance
US20130159165A1 (en) 2011-12-20 2013-06-20 Joanne Marlowe-Noren Automated process guidance application and method for credit instrument origination, administration and fractionalization system
US20130226777A1 (en) 2012-02-23 2013-08-29 Mastercard International Incorporated Apparatus, method, and computer program product for credit card profitability scoring
US20140067650A1 (en) 2012-08-28 2014-03-06 Clearmatch Holdings (Singapore) PTE. LTD. Methods and systems for consumer lending
WO2014074339A1 (en) 2012-11-08 2014-05-15 Gamblit Gaming, Llc Standardized scoring system for gambling hybrid games
US20150019290A1 (en) 2013-07-12 2015-01-15 Capital One Financial Corporation Systems and methods for representing consumer behavior
SG10201400143UA (en) * 2014-02-21 2015-09-29 Smart Communications Inc Method and system for facilitating financial loans
US20160232546A1 (en) * 2014-06-13 2016-08-11 Connect Financial LLC Computer processing of financial product information and information about consumers of financial products
US9070088B1 (en) 2014-09-16 2015-06-30 Trooly Inc. Determining trustworthiness and compatibility of a person
US20160125528A1 (en) 2014-10-31 2016-05-05 Michael Theodore Brown Affordability assessment
JP2016099915A (ja) * 2014-11-26 2016-05-30 株式会社インテック 与信審査用サーバと与信審査用システム及び与信審査用プログラム
US20160203551A1 (en) 2015-01-12 2016-07-14 Mastercard International Incorporated Method and system for using payment transaction data in loan sourcing
EP3254254A4 (en) 2015-02-04 2018-08-22 Drucker, Max System and method for applying predictive social scoring to perform focused risk assessment
US20160232606A1 (en) 2015-02-11 2016-08-11 Mastercard International Inc Systems and Methods for Use in Providing Lending Products to Consumers
CA2937564A1 (en) * 2015-07-29 2017-01-29 Stressco Inc. Systems, methods and devices for extraction, aggregation, analysis and reporting of financial data
US10803517B2 (en) 2015-07-31 2020-10-13 Ncr Corporation Extracting behaviors and suggesting behaviors to achieve a desired credit score
US20170061535A1 (en) 2015-08-27 2017-03-02 Solo Funds Inc. Mobile Device Facilitated Lending Platform
JP6413205B2 (ja) * 2015-09-12 2018-10-31 スルガ銀行株式会社 事前与信枠及び推奨与信枠算出装置
CN113168633A (zh) 2017-09-01 2021-07-23 百恩福有限公司 用于预测用户可信度的基于位置的验证方法和系统

Also Published As

Publication number Publication date
EP3635673A4 (en) 2020-07-08
CA3065807C (en) 2022-05-31
JP6913241B2 (ja) 2021-08-04
WO2018226337A1 (en) 2018-12-13
JP2020522832A (ja) 2020-07-30
AU2018281831A1 (en) 2019-12-19
US10878494B2 (en) 2020-12-29
CL2019003535A1 (es) 2020-05-15
EP3635673A1 (en) 2020-04-15
US20210097603A1 (en) 2021-04-01
CA3065807A1 (en) 2018-12-13
BR112019025671A2 (pt) 2020-09-01
CO2019013854A2 (es) 2020-01-17
MX2019014614A (es) 2020-07-29
US20180349986A1 (en) 2018-12-06
PE20200312A1 (es) 2020-02-11

Similar Documents

Publication Publication Date Title
ECSP20000116A (es) Sistema y método para emitir un préstamo a un consumidor que se ha determinado con solvencia crediticia
CO2017007032A2 (es) Actualización de modelos de clasificador de entendimiento de lenguaje para un asistente digital personal basándose en externalización masiva
PH12019501205B1 (en) Blockchain-based service execution method and apparatus, and electronic device
CO2018004808A2 (es) Plataforma de identidad y transacciones basada en blockchain
CO2018009397A2 (es) Sistema y método para la verificación de la autenticidad de la información de documentos
BR112017020562A2 (pt) sistemas e métodos para identificação e verificação pessoais
BR112017011735A2 (pt) sistema e método para facilitar transações de dinheiro em sistema de atm sem cartão de atm usando móvel
MY201315A (en) Proxy device for representing multiple credentials
BR112019009519A8 (pt) Sistema de transação biométrica
BR112018072903A2 (pt) método, e, dispositivos de comunicação e conectado.
BR112019005872A2 (pt) dispositivo e método de reconhecimento de identidade
MX2020001411A (es) Sistema, metodo y producto de programa informatico para determinar la alineacion de categoria de una cuenta.
CL2016001938A1 (es) Metodo y sistema para juegos
BR112017003627A2 (pt) ferramentas de produtividade para elaboração de conteúdo
BR112018001477A2 (pt) método e sistema para créditos em uma rede social
PH12019500429A1 (en) Verification method and device
BR112017007201A2 (pt) buscas múltiplas e tarefas múltiplas em busca
MY195609A (en) Method And Apparatus For Security Verification Based On Biometric Feature
CL2018001102A1 (es) Sistema y método de autenticación y encriptación a prueba de intercepciones
PH12020550989A1 (en) Personal authentication method and personal authentication device
CO2020011430A2 (es) Método para validar un cupón
BR112017009509A2 (pt) sistemas para geração, aplicação e verificação de código de rastreamento seguro
BR112017019950A2 (pt) método para identificação de assinatura de interação com usuário
IT201600127809A1 (it) Dispositivo per le transazioni di pagamento con tecnologia contactless (nfc), avente algoritmo di generazione codice otp univoco integrante stringa di testo template generata dalla scansione biometrica dell’impronta digitale, con funzione di token otp, riconoscimento di identità e funzione di abbonamento per i mezzi pubblici e relativi processi di funzionamento, associazione e utilizzo
Mazlan et al. Facial Recognition in Multimodal Biometrics System for Finger Disabled Applicants