| 摘要 |
The present invention relates to computer implemented methods and frameworks for processing transaction data thereby to enable a loan determination process. Embodiments of the invention have been particularly developed for enabling automated loan determination based upon electronic banking records. One embodiment provides a computer-implemented for processing transaction data thereby to enable a loan determination process, the method including: obtaining account data, wherein the account data includes a plurality of sets of transaction data; for one or more of the sets of transaction data, identifying a portion of data predicted to be representative of a transaction payee/payer; for each identified portion of data predicted to be representative of a transaction payee/payer, comparing the portion of data to one or more external information directories, thereby to seek to identify a known payee/payer from the one or more external directories; and in the case that a known payee/payer is found for a given set of transaction data, extracting one or more characteristics of that payee/payer, and associating the one or more characteristics with the set of transaction data. Login/registration process 120 Procure/identify electronic baking information Analyse historical transaction data Identify personal details Make loan determinations Provide loan agreement for approval Dispense prepaid debit card for Other uses for loan funds loan value |
