Abstract: 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.
Type:
Grant
Filed:
May 31, 2020
Date of Patent:
October 31, 2023
Assignee:
Happy Money, Inc.
Inventors:
Adam Zarlengo, Chris Courtney, Michael Tepper, Josh Hemsley, Ryan Howes, Daniel Sinner, Scott Saunders
Abstract: 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.
Type:
Application
Filed:
October 15, 2021
Publication date:
April 21, 2022
Applicant:
Happy Money, Inc.
Inventors:
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
Abstract: A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.
Type:
Grant
Filed:
September 14, 2017
Date of Patent:
August 25, 2020
Assignee:
Happy Money, Inc.
Inventors:
John Galen Buckwalter, David Herman, Andrew Wen, Scott Saunders
Abstract: 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.
Type:
Grant
Filed:
May 18, 2018
Date of Patent:
June 9, 2020
Assignee:
Happy Money, Inc.
Inventors:
Adam Zarlengo, Chris Courtney, Michael Tepper, Josh Hemsley, Ryan Howes, Daniel Sinner, Scott Saunders