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SYSTEMS AND METHODS FOR CREDIT WORTHINESS SCORING AND LOAN FACILITATION

  • US 20100010935A1
  • Filed: 06/05/2009
  • Published: 01/14/2010
  • Est. Priority Date: 06/09/2008
  • Status: Active Grant
First Claim
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1. A computer-implemented method for generating a financial score, comprising:

  • collecting a first data set of user-independent information;

    collecting a second data set of user information;

    aggregating information from the first data set with information from the second data set to create an aggregate data set;

    storing the aggregate data set on a computer readable medium;

    estimating an income path for a user on the basis of information in the aggregate data set;

    determining risk associated with the income path; and

    generating a financial score for the user.

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