{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11532042","patent":{"patent_number":"US-11532042","title":"System for automated origination of capital based on point-of-sale data","assignee":null,"inventors":[],"filing_date":"2019-05-08T00:00:00.000Z","publication_date":"2022-12-20T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":17,"abstract":"A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor generates prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers. The revenue forecaster employs the historical POS data to predict future POS data for establishments corresponding to the each of the subscribers and employs the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period. The offer processor generates and transmits the capital product offers corresponding to the each of the subscribers, where the capital product offers comprise the payback period, the prices, and maximum dollar amounts that are a percentage of the predicted total revenues."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"System for automated origination of capital based on point-of-sale data","description":"A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor generates prices for capital product offers to subscribers of ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11532042","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-11532042","citation_suggestion":"Patentable. \"System for automated origination of capital based on point-of-sale data\" (US-11532042). https://patentable.app/patents/US-11532042","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11532042","json":"https://patentable.app/api/llm-context/US-11532042","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T23:58:00.917Z"}