The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 22, 2023
Filed:
Jan. 08, 2020
Uipco, Llc, San Antonio, TX (US);
Carlos JP Chavez, San Antonio, TX (US);
Ryan Thomas Russell, San Antonio, TX (US);
Ashley Raine Philbrick, San Antonio, TX (US);
Quian Antony Jones, San Antonio, TX (US);
Stacy Callaway Huggar, San Antonio, TX (US);
Janelle Denice Dziuk, Falls City, TX (US);
Yevgeniy Viatcheslavovich Khmelev, San Antonio, TX (US);
Ravi Durairaj, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
An artificially intelligent loan recommendation agent and a method of making loan recommendations are disclosed. The artificially intelligent loan recommendation agent can classify applicants into traditional and non-traditional categories. Based on this categorization, the agent may use different information to make loan recommendations for the applicant. For non-traditional applicants, applicant rating information can be used, including ratings of an applicant's professional skills obtained from consumer review sites. The agent can also conduct virtual interviews and analyze body language and speech to determine if an applicant may be lying.