{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11514517","patent":{"patent_number":"US-11514517","title":"Scenario gamification to provide improved mortgage and securitization","assignee":null,"inventors":[],"filing_date":"2019-11-08T00:00:00.000Z","publication_date":"2022-11-29T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":15,"abstract":"Systems and processes for the gamification of data, including providing scenarios and actionable elements to execute a preferred scenario. Embodiments can include a credit modification software tool that is configured to automate the transmission of one or more messages to effectuate modification of a credit score associated with a user. The system can determine accounts eligible for improvements, application amounts, time to apply, and determine the effect on user's credit score. Embodiments can include scenarios for increasing a user's credit score where funds are not available by applying for a loan to reduce rolling debts, thereby providing a net increase credit score. Loans can be negotiated based on the resulting credit score and autonomously implement. A universal payment system is disclosed to retrieve data and determine a transaction model, which determines the accounts to be used, in which order, and how much to be applied, in order to benefit a credit score."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Scenario gamification to provide improved mortgage and securitization","description":"Systems and processes for the gamification of data, including providing scenarios and actionable elements to execute a preferred scenario. Embodiments can include a credit modification software tool t","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11514517","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-11514517","citation_suggestion":"Patentable. \"Scenario gamification to provide improved mortgage and securitization\" (US-11514517). https://patentable.app/patents/US-11514517","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11514517","json":"https://patentable.app/api/llm-context/US-11514517","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T15:34:15.267Z"}