Alexander Lin

US Patent:

20230048345, Feb 16, 2023

Filed:

Aug 16, 2021

Appl. No.:

17/445136

Inventors:

- McLean VA, US
Joshua EDWARDS - Philadelphia PA, US
Phoebe ATKINS - Rockville VA, US
Max MIRACOLO - Brooklyn NY, US
Cruz VARGAS - Denver CO, US
Brian MCCLANAHAN - Silver Spring MD, US
Alexander LIN - Arlington VA, US
Louis BUELL - Chevy Chase MD, US
Michael MOSSOBA - Great Falls VA, US

International Classification:

G06Q 40/02
G06F 40/289
G06F 40/58

Abstract:

In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.