Colleen A Carroll

US Patent:

20230046199, Feb 16, 2023

Filed:

Aug 13, 2021

Appl. No.:

17/401938

Inventors:

- San Francisco CA, US
Sidd Jagadish - San Francisco CA, US
Donald Lemire - San Francisco CA, US
Yonglin Wu - San Francisco CA, US
Quynh Mai - San Francisco CA, US
Colleen Carroll - San Francisco CA, US
Anthony Tadina - San Francisco CA, US
Zachary Palacios - San Francisco CA, US
Yael Bushoy - San Francisco CA, US
Wei Chen - San Francisco CA, US

International Classification:

G06Q 40/02

Abstract:

A method for employing user-level credit decisions in relation to extension of a loan to a user may include receiving prequalification information associated with a user and employing a first credit extension model to execute a first credit extension decision based on the prequalification information, where the first credit extension decision is associated with a first credit limit. The method may include employing a second credit extension model, different from the first credit extension model, to execute a second credit extension decision based on the prequalification information and relationship information associated with current and prior interactions between the user and a lending entity making the first credit extension decision and the second credit extension decision, where the second credit extension decision is associated with a second credit limit. The method may also include determining, based on the first and second credit extension decisions, whether to extend a predefined credit limit to the user.