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:
Oct. 31, 2023
Filed:
May. 29, 2020
Capital One Services, Llc, McLean, VA (US);
Ruoyu Shao, Allen, TX (US);
John Lujano, Dallas, TX (US);
Jacky Kwok, Allen, TX (US);
Kurt Wolf, Frisco, TX (US);
Sang Jin Park, Allen, TX (US);
Heng Gu, Millbrae, CA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.