US Patent:
20150019401, Jan 15, 2015
Inventors:
- Charlotte NC, US
Partha Sarathi Dhar - Chester Springs PA, US
Randoll Scott Beavers - New London PA, US
William R. Grasch - New Castle DE, US
Daniel Lee Wadsworth - Washington DC, US
International Classification:
G06Q 40/02
Abstract:
Methods, systems, and computer-readable media for providing an integrated credit decision platform are presented. An integrated credit decision platform may integrate customer data across a variety of areas. For example, a customer may have a credit line, a checking account, a mortgage, or other suitable financial accounts with a financial institution. The integrated platform may make customer data across accounts available during a credit decision. In an embodiment, an organization, such as a financial institution, may receive a credit request from a customer. The credit request may include a request to change the status of the customer's credit with the financial institution. Integrated data may be accessed for the customer. For example, one or more of a checking account balance, a saving's account balance, and credit line, a payment history, and other suitable data may be accessed. A decision whether to grant or deny the customer's credit request may be based on the accessed integrated data.
