Patent ID: 11915313
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A method for estimating creditworthiness, comprising:
receiving, by a credit decision platform, a credit request from an applicant;
obtaining, by the credit decision platform, domestic historical data associated with the applicant from one or more credit bureau devices;
obtaining, by the credit decision platform, access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request;
training, by the credit decision platform, a machine learning model to distinguish authentic email accounts from synthetic email accounts,
wherein the machine learning model is configured to use an input that includes a set of observations from historical data and generate an output that indicates whether the email account is authentic or synthetic using a target variable,
wherein the set of observations include a feature set which is extracted by another machine learning model from the historical data by performing natural language processing,
wherein the machine learning model is trained to recognize patterns in the feature set that lead to a value of the target variable that determines whether the email is authentic or synthetic, and
wherein the patterns in the feature set include one or more of:
a pattern of received emails,
a pattern of email header information, a pattern of how email messages marked as spam are handled, or
a pattern relating to reading behavior;

identifying, by the credit decision platform and using the trained machine learning model, a set of email messages included in the email account that are relevant to the credit request from an email server,
analyzing, by the credit decision platform, content included in the set of email messages using the trained machine learning model and the natural language processing to generate non-domestic historical data associated with the applicant;
generating, by the credit decision platform, a decision that the credit request is granted based on an estimated creditworthiness of the applicant and based on the target variable indicating that emails in the set of email messages are authentic,
wherein the estimated creditworthiness of the applicant is determined based on the non-domestic historical data; and
providing, by the credit decision platform, information to allow the applicant to open a credit account based on the decision.