{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11488242","patent":{"patent_number":"US-11488242","title":"Automatically generating and updating loan profiles","assignee":null,"inventors":[],"filing_date":"2020-11-24T00:00:00.000Z","publication_date":"2022-11-01T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06N","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":20,"abstract":"A system may include a processor that may detect one or more loan indicators present in banking data or credit data associated with a user. The processor may then retrieve additional data associated with the user in response to detecting the one or more loan indicators, such that the additional data may include data acquired from a home assistant device, a wearable device, a computing device, or any combination thereof. The processor may then determine a loan probability associated with the user based on the banking data, the credit data, and the additional data. The processor may then determine a pre-approval loan amount based on the banking data and the credit data in response to the loan probability exceeding a threshold and automatically send a notification indicative of a pre-approval loan amount to a computing device associated with the user."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Automatically generating and updating loan profiles","description":"A system may include a processor that may detect one or more loan indicators present in banking data or credit data associated with a user. The processor may then retrieve additional data associated w","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11488242","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11488242","citation_suggestion":"Patentable. \"Automatically generating and updating loan profiles\" (US-11488242). https://patentable.app/patents/US-11488242","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11488242","json":"https://patentable.app/api/llm-context/US-11488242","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T17:39:16.619Z"}