Evaluating Loan Access Using Online Business Transaction Data
First Claim
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1. A method for evaluating loan access, the method comprising:
- establishing an electronic connection between a loan access evaluation system and at least one online business system on or through which a loan applicant conducts business;
at the loan access evaluation system, receiving business transaction information of the loan applicant from the at least one online business system, the business transaction information containing information of actual business transactions conducted by the loan applicant on or through the online business system;
analyzing collected information of the loan applicant to generate an analysis result as a basis for determining whether the loan applicant satisfies a loan access requirement, the collected information including at least the received business transaction information of the loan applicant; and
disbursing a loan to the loan applicant if the loan requirement is satisfied.
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Abstract
A method and a loan access evaluation system use a loan applicant'"'"'s actual business transaction information received from an online business system on which the loan applicant conducts business. In addition to the information of the loan applicant'"'"'s owner, other general background business information and historical business information of the loan applicant, the method and the system obtain detailed transaction data of the loan applicant on e-commerce systems or platforms and banks, and thus have access to dynamic business data of the applicant for a more reliable loan access appraisal.
43 Citations
20 Claims
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1. A method for evaluating loan access, the method comprising:
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establishing an electronic connection between a loan access evaluation system and at least one online business system on or through which a loan applicant conducts business; at the loan access evaluation system, receiving business transaction information of the loan applicant from the at least one online business system, the business transaction information containing information of actual business transactions conducted by the loan applicant on or through the online business system; analyzing collected information of the loan applicant to generate an analysis result as a basis for determining whether the loan applicant satisfies a loan access requirement, the collected information including at least the received business transaction information of the loan applicant; and disbursing a loan to the loan applicant if the loan requirement is satisfied. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A loan access evaluation system, the system comprising:
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an information collection interface establishing an electronic connection between the loan access evaluation system and at least one online business system on or through which a loan applicant conducts business, the information collection interface being operative for receiving business transaction information of the loan applicant from the online business system, the business transaction information containing information of actual business transactions conducted by the loan applicant on or through the online business system; an information analyzer analyzing collected information of the loan applicant to generate an analysis result as a basis for determining whether the loan applicant satisfies a loan access requirement, the collected information including at least the received business transaction information of the loan applicant; and a decision-making unit adapted for disbursing a loan to the loan applicant if loan requirement is satisfied. - View Dependent Claims (17, 18, 19, 20)
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Specification