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1. 发明申请

US20160203551A1 METHOD AND SYSTEM FOR USING PAYMENT TRANSACTION DATA IN LOAN SOURCING 审中-公开
标题翻译：在贷款支付中使用付款交易数据的方法和系统
公开(公告)号：US20160203551A1
公开(公告)日：2016-07-14
申请号：US14594483
申请日：2015-01-12
申请人： MasterCard International Incorporated
发明人： Ramson TUTTE , Peter J. Groarke , John McGuire
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： A method for assisting in loan brokering using transaction data includes: storing a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and transaction data corresponding to a plurality of payment transactions involving the related transaction account; receiving a loan request from an entity, wherein the loan request includes a specific account identifier associated with the entity and one or more requested terms; receiving a data request from a loan provider; identifying a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier; and transmitting at least the one or more requested terms included in the received loan request and the transaction data included in the identified specific account profile to the loan provider in response to the received data request.
摘要翻译：一种使用交易数据来协助贷款中介的方法包括：存储多个账户简档，其中每个账户简档包括与交易账户有关的数据，该交易账户至少包括与涉及相关交易的多个支付交易相对应的账户标识符和交易数据帐户; 从实体接收贷款请求，其中所述贷款请求包括与所述实体相关联的特定帐户标识符和一个或多个所请求的条款; 从贷款提供商接收数据请求; 识别存储在帐户数据库中的特定帐户简档，其中所包括的帐户标识符对应于特定帐户标识符; 以及响应于所接收的数据请求，至少将包括在所接收的贷款请求中的一个或多个所请求的条件和包括在所识别的特定帐户简档中的交易数据发送给贷款提供者。

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