公开(公告)号：US20240177233A1

公开(公告)日：2024-05-30

申请号：US18070726

申请日：2022-11-29

申请人： Affirm, Inc.

发明人： Yonglin Wu ,  Nitesh Kumar

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025

摘要： A method for exploring lending approval model improvement may include receiving a plurality of loan applications, applying a model to the loan applications to determine an approved set of customers approved for financing under the model and a set of rejected customers rejected for financing under the model, determining, from the set of rejected customers, a selected group of rejected customers and approving the selected group for financing, where loan repayment activity of the selected group defines an exploratory data set, determining, based on the exploratory data set, a set of successful rejected applicants that repay loans associated with the financing for which the selected group was approved, and employing the exploratory data set to evaluate the model for replacement or modification based on the set of successful rejected applicants.

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.