Patents Assigned to iCreditWorks Inc.
  • Co-applicant candidate identification by way of edge graphs
    Patent number: 12056127
    Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.
    Type: Grant
    Filed: May 3, 2023
    Date of Patent: August 6, 2024
    Assignee: iCreditWorks Inc.
    Inventors: Suresh G. Nair, Stephen Earl Sweeney, Mark David Alexander
  • Co-applicant candidate identification by way of edge graphs
    Patent number: 11657054
    Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.
    Type: Grant
    Filed: January 14, 2022
    Date of Patent: May 23, 2023
    Assignee: iCreditWorks Inc.
    Inventors: Suresh G. Nair, Stephen Earl Sweeney, Mark David Alexander