20250182200. Metho (Lendingkart Technologies Private Limited)
METHOD AND SYSTEM FOR BORROWER IDENTIFICATION
Abstract: methods and systems for a borrower identification and prediction of credit risk associated with the identified borrower is provided. the system includes a server that retrieves an electronic message that includes details of transactions conducted by a first entity over a time. the electronic message is parsed based on a predefined parameter, to identify a second entity, where the first entity has conducted a business transaction with the second entity. further, a first set of details associated with the second entity is obtained from one or more resources associated with the server. furthermore, a knowledge graph is generated based on the business transaction and the first set of details. the knowledge graph indicates an association between the first entity and the second entity. subsequently, a credit risk score associated with lending money to the second entity is predicted based on the knowledge graph.
Inventor(s): Harshvardhan Lunia, Vibhor Kalra, Giridhar Yasa, Manish Bhatia, Nitin Shiralkar, Prasanna Kumar, Amit Abhishek, Aditya Veluri
CPC Classification: G06Q40/03 (Credit; Loans; Processing thereof)
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- Patent Applications
- Lendingkart Technologies Private Limited
- CPC G06Q40/03
- Harshvardhan Lunia of GJ IN
- Vibhor Kalra of Bengaluru IN
- Giridhar Yasa of Bangalore IN
- Manish Bhatia of Hyderabad IN
- Nitin Shiralkar of Hyderabad IN
- Prasanna Kumar of Bangalore IN
- Amit Abhishek of Bangalore IN
- Aditya Veluri of Bangalore IN