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System and method for issuing a loan to a consumer determined to be creditworthy and generating a behavioral profile of that consumer
System and method for issuing a loan to a consumer determined to be creditworthy and generating a behavioral profile of that consumer
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机译:向消费者发出贷款的制度和方法,决定是信誉和产生该消费者的行为概况
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摘要
A system and method determines the creditworthiness of a consumer and issues a loan and generates a behavioral profile for that consumer. An initial set of data is acquired from the consumer that includes non-identification attributes without obtaining a full name, a credit card number, a passport number, or a government issued ID number that allows identification of the consumer. A user ID number matches the initial set of data to a physical user in a transaction database. A credit score based on the average credit among a plurality of user profiles is matched to determine a maximum credit for the consumer. A loan is credited and a behavioral profile is generated based on the consumer check-ins and location and correlating periodic location patterns to loan and transactional activities.
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