| 主权项 |
1. A method of providing a credit line or loan to a consumer, the method comprising:
providing, via one or more network interface devices of a computer system, information defining a first user interface renderable on a computing device of the consumer; receiving, via the one or more network interface devices, data representative of consumer interaction behavior with the first user interface; monitoring, through execution of instructions of at least one processor of the computer, system the received data representative of interaction behavior of the consumer while the consumer interacts with the first user interface; receiving, via the one or more network interface devices, first user responses in response to the consumer interaction with the first user interface; determining a first set of information sources from which to retrieve information based on the first user responses; receiving, via the one or more network interface devices, first credit information from the first set of information sources; providing a credit model that includes one or more keys in the one or more computer-readable storage devices; modifying the credit model by associating, in the one or more computer-readable storage devices, one or more attribute values, that correspond to the received first credit information, with one or more corresponding keys of the credit model; receiving a determination of whether the credit model in which all keys are associated with attribute values is currently storing sufficient credit information to make a decision regarding the credit line or loan; in response to receipt of a determination that the credit model is not currently storing sufficient credit information to make a decision regarding the credit line or loan, further modifying the credit model by iteratively repeating the acts of,
adding one or more additional keys to the credit model,acquiring, via the one or more network interfaces from at least one source that is different from the sources from which credit information was acquired previously, additional credit information that corresponds to the one or more additional keys,associating one or more additional attribute values, that correspond to the additional credit information, with the one or more additional keys of the credit model,receiving a determination of whether the credit model in which all keys are associated with attribute values is currently storing sufficient credit information to make a decision regarding the credit line or loan,until receipt of a determination that the credit model on the one or more computer-readable storage devices is currently storing sufficient credit information to make a decision regarding the credit line or loan; receiving a decision as to the credit line or loan based on the one or more attribute values and the iteratively acquired one or more additional attribute values stored in the credit model; and transmitting, to the user computing device via the one or more network interfaces, information indicating the decision as to the credit line or loan. |
