发明名称 |
METHOD AND APPARATUS FOR GLOBAL UNDERWRITING AND EXPRESS LOAN ORIGINATION |
摘要 |
A method and apparatus that allow a rapid evaluation and origination of loans is provided. The creditworthiness of potential borrowers may be evaluated by multiple models. Some models may provide a nuanced evaluation of creditworthiness, while other models generate cross-sell opportunities. The models may implement a strategy. The model may be run on a logic engine or engines. The evaluation may utilize multiple stages, whereby each stage is reached only if the earlier stages are passed. Evaluation may utilize a multi-level strategy. In the event that a loan cannot be reasonably provided, the potential borrower may be given suitable reasons and/or be presented with alternative credit products.
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申请公布号 |
US2012072336(A1) |
申请公布日期 |
2012.03.22 |
申请号 |
US201113182487 |
申请日期 |
2011.07.14 |
申请人 |
LE VINE HEATHER M.;ANTONIO HEATHER B.;MOORE PATRICIA L.;TORRES SARAH L.;COLLINS JOSH D.;YAZGEN GULDEN;ZURESS ANTHONY D.;BURGESS WILLIAM J.;DESTEFANO RENITA;BANK OF AMERICA |
发明人 |
LE VINE HEATHER M.;ANTONIO HEATHER B.;MOORE PATRICIA L.;TORRES SARAH L.;COLLINS JOSH D.;YAZGEN GULDEN;ZURESS ANTHONY D.;BURGESS WILLIAM J.;DESTEFANO RENITA |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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