公开(公告)号：US20230046199A1

公开(公告)日：2023-02-16

申请号：US17401938

申请日：2021-08-13

申请人： Affirm, Inc.

发明人： Angela Dao ,  Sidd Jagadish ,  Donald Lemire ,  Yonglin Wu ,  Quynh Mai ,  Colleen Carroll ,  Anthony Tadina ,  Zachary Palacios ,  Yael Bushoy ,  Wei Chen

IPC分类号： G06Q40/02

摘要： 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.