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SYSTEMS AND METHODS FOR EVALUATING THE ABILITY OF BORROWERS TO REPAY LOANS

  • US 20110137788A1
  • Filed: 12/04/2009
  • Published: 06/09/2011
  • Est. Priority Date: 12/04/2009
  • Status: Active Grant
First Claim
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1. A system for evaluating the ability of a borrower to repay a loan, the system comprising a computing device, wherein the computing device comprises a processor, memory communicatively coupled to the processor, and computer-executable instructions stored on the memory, wherein the computer-executable instructions, when executed on the processor, cause the computing device to:

  • determine a trend of cash flow for the borrower over a past period of time based on information stored in a financial account of the borrower;

    project the cash flow of the borrower over a period of time subsequent to the past period of time based on the trend of cash flow for the borrower over the past period of time; and

    classify the borrower as belonging to a predetermined risk group based on the projection of the cash flow and a predetermined criterion.

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