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Population of application

  • US 8,639,615 B1
  • Filed: 05/04/2009
  • Issued: 01/28/2014
  • Est. Priority Date: 05/04/2009
  • Status: Active Grant
First Claim
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1. A non-transitory computer-readable medium comprising instructions, which when implemented by one or more processors perform the following operations:

  • accessing transactional data associated with a user from a computerized database in a system;

    automatically populating a financial application in a computer using the transactional data stored in the computerized database;

    calculating a debt to income ratio based on the transactional data that has not been provided by the user; and

    making a lending decision with a computer based on the automatically populated financial application and the debt to income ratio, wherein the lending decision is not based on a third party credit history and wherein the lending decision is made by a potential lending institution.

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