Abstract: A system and method is disclosed for detecting fraudulent loan applications. The system is based upon multiple layers of detection in which anomalies are detected by analyzing the loan data and the borrower browser configuration for anomalies indicative of fraud. A plurality of fraud detection layers are used which when taken together provide a synergistic approach to detecting fraudulent data.

Abstract: An SaaS solution for web based loan applications is disclosed that provides for a one-click system for automatically gathering personal data of a loan applicant from internal and external data sources and auto-fills an applicant's personal information into a loan application template. As part of the one click process, the loan application is also processed and the lending decision is sent to the applicant. The one click system enables users to apply for financial services quickly and easily. The system queries internal and external data sources for previous financial service applications and uses the data found to populate a current application, in many cases, eliminating the need for any data input from the user. Through the use of several layers of web, database, and security technologies the system streamlines the application process, reducing the number of steps a user must initiate, to a single click.