PARTNER AND USER GATEWAY TOOL

Abstract: a computer-implemented method and system provide for integration and transformation of user and historical data into standardized formats, fostering the intelligent generation of user risk metric scores. these scores play a pivotal role in the automated crafting of personalized lending agreements. these agreements are derived from both lender preferences and predictive analyses of user metrics. leveraging secure communication protocols, these systems enable the automated execution of lending contracts via smart contract platforms. additional features of these systems encompass aspects including the automated servicing of buyer-initiated purchases, facilitating transactions on lender credit, and ensuring the streamlined payment to both the seller and the lender.

Inventor(s): Kevin Richard TUCKER, Daniel Joseph CATES, Daniel Wayne ZIMMERMAN

CPC Classification: G06Q40/03 (Credit; Loans; Processing thereof)

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