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:
Nov. 21, 2023
Filed:
Oct. 11, 2018
Applicant:
MX Technologies, Inc., Lehi, UT (US);
Inventor:
John Ryan Caldwell, Lehi, UT (US);
Assignee:
MX TECHNOLOGIES, INC., Lehi, UT (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2023.01); G06Q 40/03 (2023.01); G06N 20/00 (2019.01); G06F 16/9038 (2019.01);
U.S. Cl.
CPC ...
G06Q 40/03 (2023.01); G06F 16/9038 (2019.01); G06N 20/00 (2019.01);
Abstract
Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.