Patents by Inventor Ayoub HANZOULI

Ayoub HANZOULI has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEMS AND METHODS FOR DETERMINING CREDIT WORTHINESS OF A BORROWER
    Publication number: 20200134716
    Abstract: There is disclosed a method and system for determining the credit worthiness of a borrower. The method comprises receiving a loan application from a prospective borrower. Transaction history for the prospective borrower is retrieved. A category is determined for each transaction in the transaction history. Transaction data metrics are determined for each category. A first machine learning algorithm (MLA) uses the transaction data metrics to predict a likelihood that the loan application will be approved. A second MLA uses the transaction data metrics to predict a likelihood that the loan will be repaid. The loan is approved or denied based on the predicted likelihoods.
    Type: Application
    Filed: October 28, 2019
    Publication date: April 30, 2020
    Inventors: Karim LAHRICHI, Julien DUBÉ-COUSINEAU, Ayoub HANZOULI, Frederick LAVOIE, Olivier BLAIS, Jonathan GAMBLE