Tagged Credit Profile System for Credit Applicants
First Claim
1. A method comprising:
- storing a plurality of keywords as tags for respective users of an online loan application system in a keyword database searchable by a query process, wherein each keyword of the plurality of keywords representing a characteristic associated with each respective user;
receiving a keyword query from a querying user, the keyword query comprising one or more query tags;
identifying users of the online loan application system matching the keyword query;
calculating an aggregate credit score for the identified users; and
displaying the aggregate credit score, credit rating, or credit grade of the identified users relative to the credit score of the querying user.
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Abstract
Embodiments of user profile tagging process for an online credit application system are described. The process stores keywords represented as tags relating to various characteristics of the user. These characteristics can include objective information regarding the user, and subjective information, such as user preferences, background, affiliations, behavior patterns, and so on. A query function allows a querying user to input query tags to determine an aggregate or mean credit score for users who have certain characteristics. In response to a user query, the system identifies all other users that match the query tags entered by the querying user. The system calculates the aggregate credit score for these other users and displays this aggregate score relative to the credit score of the querying user.
194 Citations
20 Claims
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1. A method comprising:
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storing a plurality of keywords as tags for respective users of an online loan application system in a keyword database searchable by a query process, wherein each keyword of the plurality of keywords representing a characteristic associated with each respective user; receiving a keyword query from a querying user, the keyword query comprising one or more query tags; identifying users of the online loan application system matching the keyword query; calculating an aggregate credit score for the identified users; and displaying the aggregate credit score, credit rating, or credit grade of the identified users relative to the credit score of the querying user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of creating a tagged database for applicants of a loan product comprising:
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receiving objective user profile information that includes at least one of user address, gender, date of birth, or social security number; receiving user-defined keywords specifying user characteristics; assigning a hierarchical tag weight to each user-defined keyword to rank each user-defined keyword among all of the user-defined keywords; receiving system-defined data from a third party credit bureau; and assigning a hierarchical tag weight to each system-defined data element to rank each system-defined data element among all of the system-defined data. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A system for processing an online loan application, comprising:
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a first processor for storing a plurality of keywords as tags for respective users of an online loan application system in a keyword database searchable by a query process, wherein each keyword of the plurality of keywords representing a characteristic associated with each respective user; an input component coupled to the first processor for receiving a keyword query from a querying user, the keyword query comprising one or more query tags; a second processor coupled to the first processor for identifying users of the online loan application system matching the keyword query;
a calculator component for calculating an aggregate credit score for the identified users; andand a display device for displaying the aggregate credit score, credit rating, or credit grade of the identified users relative to the credit score of the querying user.
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20. The system of claim 20 further comprising a database component for creating a tagged database for loan applicants, wherein the database is created by the system receiving objective user profile information including at least one of user address, gender, date of birth, or social security number), receiving user-defined keywords specifying user characteristics, and receiving system-defined data from a third party credit bureau;
- and wherein the database stores the user defined keywords and a hierarchical tag weight that is assigned to each user-defined keyword to rank each user-defined keyword among all of the user-defined keywords, as well as each system-defined data element and an assigned hierarchical tag weight that ranks each system-defined data element among all of the system-defined data.
Specification