Systems and Methods for Use in Providing Lending Products to Consumers

摘要

Systems and methods are directed toward providing lending products to consumers, whose credit records are limited or nonexistent (e.g., unbanked consumers, underbanked consumers, etc.), based on purchasing behaviors of the consumers (with or without separate credit evaluation). In connection with providing the lending products, purchase data is initially received from a merchant for products purchased from the merchant by the consumers. Profiles are then compiled for the consumers, based on the purchase data, and correlated to a metric profile to determine whether or not to qualify the consumers to one or more appropriate lending products.

主权项

1. A computer-implemented method of providing lending products to consumers based on purchasing behaviors of the consumers, the method comprising:
receiving, at a computing device, purchase data from transactions at a merchant by first and second consumers, the purchase data associated with non-payment accounts of the first and second consumers, the purchase data indicating a credit payment type for multiple ones of the transactions by the second consumer; comparing, at the computing device, the purchase data for the first consumer and the purchase data for the second consumer; designating a qualification to the first consumer based on at least one consistency between the purchase data for the first consumer and the purchase data for the second consumer, the qualification associated with at least one lending product; and storing the qualification in memory associated with the computing device.