公开(公告)号：US11803399B2

公开(公告)日：2023-10-31

申请号：US16888831

申请日：2020-05-31

申请人： Happy Money, Inc.

发明人： Adam Zarlengo ,  Chris Courtney ,  Michael Tepper ,  Josh Hemsley ,  Ryan Howes ,  Daniel Sinner ,  Scott Saunders

IPC分类号： G06F9/451 ,  G06Q40/06 ,  G06Q40/02 ,  G06F3/04847 ,  A61B5/16

CPC分类号： G06F9/453 ,  A61B5/165 ,  G06F3/04847 ,  G06Q40/02 ,  G06Q40/06

摘要： A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

公开(公告)号：US20240231861A1

公开(公告)日：2024-07-11

申请号：US18486099

申请日：2023-10-12

申请人： Happy Money, Inc.

发明人： Adam Zarlengo ,  Chris Courtney ,  Michael Tepper ,  Josh Helmsley ,  Ryan Howes ,  Daniel Sinner ,  Scott Saunders

IPC分类号： G06F9/451 ,  A61B5/16 ,  G06F3/04847 ,  G06Q40/02 ,  G06Q40/06

CPC分类号： G06F9/453 ,  A61B5/165 ,  G06F3/04847 ,  G06Q40/02 ,  G06Q40/06

摘要： A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

公开(公告)号：US20220122171A1

公开(公告)日：2022-04-21

申请号：US17503257

申请日：2021-10-15

申请人： Happy Money, Inc.

发明人： Jason Hubard ,  Chris Courtney ,  Michael Tepper ,  Andrea Trivella ,  Alison Tan ,  Meng Zhao ,  Chong Geng ,  Turgut Ozkan ,  Tara Bleakley ,  Rita Stanger ,  David Blair ,  R Scott Saunders, III ,  Dan Sinner ,  Adam Zarlengo ,  Ibrahim Dusi

IPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/10

摘要： In accordance with one embodiment, a method includes receiving a loan application from a debtor with unsecured debt; receiving financial transactions data associated with the debtor; parsing the financial transactions data into predetermined data features; verifying the income of the debtor on the loan application with the parsed financial transactions data; ranking the parsed financial transactions data based on the predetermined data features; and analyzing the parsed financial transactions data to determine a first probability of default by the debtor with a loan having a lower interest rate than an interest rate of the unsecured debt. The loan application includes income, payments/expenses, assets, and liabilities/debt to determine a stated net income for verification with a calculated net income. The income verification provides the calculated net income for comparison with the stated net income and a measure of reliability of the input data in the loan application. The income verification can set up one or more cutoff levels for loan origination processing. The financial transactions data includes one or more bank/savings accounts, one or more income sources, one or more debts/liabilities, and one or more expense sources. The method can further include receiving credit bureau data from at least one credit bureau associated with the debtor; removing and discarding a FICO score from the credit report; and analyzing the trade lines data of the credit report to determine a second probability of default by the debtor with the loan. The credit bureau data comprises a credit report with trades lines data.