ONLINE LOAN APPLICATION USING IMAGE CAPTURE AT A CLIENT DEVICE
First Claim
1. A method operable on a user device which includes a camera and which is in communication with a computer system, the method comprising:
- using the user device to apply for an online loan;
using the camera of the user device to capture an image of a document in the possession of the user and transmitting the image to the computer system for use as part of an automated decision making process to determine whether to provide an online loan to the user; and
receiving the result of the automated decision making process from the computer system.
2 Assignments
0 Petitions
Accused Products
Abstract
A user device, for example a smart phone, is used to apply for an online loan. The user device includes a camera which allows the user to capture an image of a document in the possession of the user. The image is transmitted to a remote computer system which carries out an automated loan decision making process to determine whether to provide an online loan to the user as a function of, inter alia, the image of the document. The automated loan decision making process can use the image to determine information about the user of the device who is requesting an online loan. The user device determines when to capture an image of the document when it is properly positioned within the frame of the camera and/or as a function of when it is properly focused in the frame of the camera.
10 Citations
39 Claims
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1. A method operable on a user device which includes a camera and which is in communication with a computer system, the method comprising:
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using the user device to apply for an online loan; using the camera of the user device to capture an image of a document in the possession of the user and transmitting the image to the computer system for use as part of an automated decision making process to determine whether to provide an online loan to the user; and receiving the result of the automated decision making process from the computer system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A non-transitory computer readable medium having a computer program stored therein, the program, when executed on one or more processors of a computerized user device, causes the user device to:
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apply for an online loan; use a camera of the user device to capture an image of a document in the possession of the user; and
transmit the image to an online loan application system as part of the online loan application; andreceive, from the outline loan application system, the result of an automated decisioning process in which a determination is made whether to provide an online loan to the user.
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38. A plug-in for a computer system comprising one or more processors, a display, one or more user devices allowing a user to input commands into the computer system, the one or more user devices including a camera, the plug-in comprising instructions which when executed on a user device cause the device to:
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apply for an online loan; capture an image of a document in the possession of the user, and transmit the image to an online loan application system as part of the online loan application; and receive, from the outline loan application system, the result of an automated decisioning process in which a determination is made whether to provide an online loan to the user.
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39. A central computer system comprising one or more processors, one or more memories and one or more programs stored in one or more memories for execution by one or more of the processors, causing the system to:
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receive an application for an online loan from a user device; receive an image of a document captured by a camera of the user device as part of the online loan application; and use the image of the document as part of a decisioning process in which a determination is made whether to provide an online loan to the user.
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Specification