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

Claim 6:
7. The system of claim 1, wherein the applicant is a first applicant, the credit request is a joint credit request with a second applicant having insufficient domestic historical data to process the joint credit request, and the one or more processors are further configured to:
obtain access to an email account associated with the second applicant;
identify, using the plurality of machine learning models, a set of email messages included in the email account associated with the second applicant that are relevant to the credit request;
analyze content included in the set of email messages associated with the second applicant to generate non-domestic historical data associated with the second applicant; and
generate the decision on the joint credit request based on a cross-referencing of the non-domestic historical data associated with the first applicant and the non-domestic historical data associated with the second applicant.