Systems and methods for credit worthiness scoring and loan facilitation

摘要

The present invention relates to methods, systems and computer readable media for generating a financial score. In an embodiment, the method for generating a financial score comprises collecting and aggregating sets of data, estimating income paths based on the collected data, determining risk associated with the income path and generating a financial score. Exemplary systems and computer readable media include program code for executing a method for generating a financial score and processing financial instruments on a network.

主权项

1. A computer-implemented method for generating a financial score, comprising:
collecting a first data set of user-independent information, the first data set having values of a general population within a category common to a user, including individual income and education information; collecting a second data set of user information, the second data set being specific to the user; aggregating information from the first data set with information from the second data set to create an aggregate data set; storing the aggregate data set on a computer readable medium; using at least one processor, predicting a future income path for the user on the basis of information in the aggregate data set, the future income path comprises at least one possible realization of income in the future; determining risk associated with the predicted future income path, wherein the risk comprises a deviation from the predicted future income path; and generating a financial score for the user based on the predicted future income path and the risk associated with the predicted future income path.