Systems and Methods for Use in Providing Lending Products to Consumers
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United States of America Patent
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Issued Date -
Aug 11, 2016
app pub date -
Feb 11, 2015
filing date -
Feb 11, 2015
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Abstract
Systems and methods are directed toward providing lending products to consumers, whose credit records are limited or nonexistent (e.g., unbanked consumers, underbanked consumers, etc.), based on purchasing behaviors of the consumers (with or without separate credit evaluation). In connection with providing the lending products, purchase data is initially received from a merchant for products purchased from the merchant by the consumers. Profiles are then compiled for the consumers, based on the purchase data, and correlated to a metric profile to determine whether or not to qualify the consumers to one or more appropriate lending products.
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