TECHNOLOGIES FOR USING MACHINE LEARNING TO DETERMINE CREDIT WORTHINESS ASSOCIATED WITH MERCHANT PRODUCTS AND SERVICES

Systems and methods for using machine learning to assess consumer creditworthiness for loans related to products and/or services offered by merchants. According to certain aspects, a server computer may determine, using a machine learning model in combination with consumer data and loan parameters s...

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Bibliographische Detailangaben
1. Verfasser:	Follmer, Todd
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES HANDLING RECORD CARRIERS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	Systems and methods for using machine learning to assess consumer creditworthiness for loans related to products and/or services offered by merchants. According to certain aspects, a server computer may determine, using a machine learning model in combination with consumer data and loan parameters specified by a merchant, whether a consumer is approved for a loan for the purchase of a product or service offered by the merchant. The server computer may interface with a merchant device to adjust certain loan parameters, such as in an attempt to approve a loan that would otherwise be denied.