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:
Feb. 27, 2024
Filed:
Aug. 16, 2021
Capital One Services, Llc, McLean, VA (US);
Lin Ni Lisa Cheng, New York, NY (US);
Joshua Edwards, Philadelphia, PA (US);
Phoebe Atkins, Rockville, VA (US);
Max Miracolo, Brooklyn, NY (US);
Cruz Vargas, Denver, CO (US);
Brian McClanahan, Silver Spring, MD (US);
Alexander Lin, Arlington, VA (US);
Louis Buell, Chevy Chase, MD (US);
Michael Mossoba, Great Falls, VA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.