Co-applicant candidate identification by way of edge graphs
A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.
1. A method for identifying a co-applicant based on proximity to an applicant, the method comprising:
determining a location of the applicant;
identifying a plurality of potential co-applicants that are collocated with the location of the applicant;
for each respective potential co-applicant of the plurality of potential co-applicants:
determining whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant; and
responsive to determining that the respective edge exists, identifying the respective potential co-applicant as a candidate co-applicant;
generating for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application; and
responsive to detecting a selection of the selectable option:
activating the application at a device of the candidate co-applicant;
passing a token to a mobile device application installed on a client device of the candidate co-applicant, the token including information based on input received from the applicant; and
pre-populating, at the client device of the candidate co-applicant, using the token, the information.
2. The method of claim 1 , wherein no candidate co-applicants are identified from the plurality of potential co-applicants, and wherein the method further comprises:
determining that no candidate co-applicants are identified from the plurality of potential co-applicants;
responsive to determining that no candidate co-applicants are identified from the plurality of co-applicants, accessing a contacts list of a device of the applicant; and
designating a user of the contacts list a candidate co-applicant.
3. The method of claim 2 , further comprising:
accessing a database comprising profile information of the user;
determining whether the profile information indicates that the user is prequalified to successfully complete the application; and
designating the user as the candidate co-applicant responsive to determining that the profile information indicates that the user is prequalified to successfully complete the application.
4. The method of claim 1 , wherein a plurality of candidate co-applicants are identified, and wherein the method further comprises:
determining a responsibility to be undertaken by the co-applicant; and
filtering the plurality of candidate co-applicants by removing, from the plurality of candidate co-applicants, those candidate co-applicants determined to be unqualified to undertake the responsibility.
5. The method of claim 1 , wherein a plurality of candidate co-applicants are identified, and wherein the method further comprises:
determining, for each respective candidate co-applicant, a strength of their respective edge; and
generating for display a recommendation, along with the selectable option, that the respective candidate co-applicant with a highest strength be selected.
6. A non-transitory computer-readable medium comprising memory with instructions encoded thereon that, when executed by a processor, cause the processor to perform operations for identifying a co-applicant based on proximity to an applicant, the instructions comprising instructions to:
determine a location of the applicant;
identify a plurality of potential co-applicants that are collocated with the location of the applicant;
for each respective potential co-applicant of the plurality of potential co-applicants:
determine whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant; and
responsive to determining that the respective edge exists, identify the respective potential co-applicant as a candidate co-applicant;
generate for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application; and
responsive to detecting a selection of the selectable option:
activate the application at a device of the candidate co-applicant;
pass a token to a mobile device application installed on a client device of the candidate co-applicant, the token including information based on input received from the applicant; and
pre-populate, at the client device of the candidate co-applicant, using the token, the information.
7. The non-transitory computer-readable medium of claim 6 , wherein no candidate co-applicants are identified from the plurality of potential co-applicants, and wherein the instructions further comprise instructions to:
determine that no candidate co-applicants are identified from the plurality of potential co-applicants;
responsive to determining that no candidate co-applicants are identified from the plurality of co-applicants, access a contacts list of a device of the applicant; and
designate a user of the contacts list a candidate co-applicant.
8. The non-transitory computer-readable medium of claim 7 , wherein the instructions further comprise instructions to:
access a database comprising profile information of the user;
determine whether the profile information indicates that the user is prequalified to successfully complete the application; and
designate the user as the candidate co-applicant responsive to determining that the profile information indicates that the user is prequalified to successfully complete the application.
9. The non-transitory computer-readable medium of claim 6 , wherein a plurality of candidate co-applicants are identified, and wherein the instructions further comprise instructions to:
determine a responsibility to be undertaken by the co-applicant; and
filter the plurality of candidate co-applicants by removing, from the plurality of candidate co-applicants, those candidate co-applicants determined to be unqualified to undertake the responsibility.
10. The non-transitory computer-readable medium of claim 6 , wherein a plurality of candidate co-applicants are identified, and wherein the instructions further comprise instructions to:
determine, for each respective candidate co-applicant, a strength of their respective edge; and
generate for display a recommendation, along with the selectable option, that the respective candidate co-applicant with a highest strength be selected.
11. A system for identifying a co-applicant based on proximity to an applicant, the system comprising:
a processor; and
a non-transitory computer readable medium comprising memory with instructions encoded thereon that, when executed, cause the processor to perform the operations of:
identifying a plurality of potential co-applicants that are collocated with the location of the applicant;
for each respective potential co-applicant of the plurality of potential co-applicants:
determining whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant; and
responsive to determining that the respective edge exists, identifying the respective potential co-applicant as a candidate co-applicant;
generating for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application; and
responsive to detecting a selection of the selectable option:
activating the application at a device of the candidate co-applicant;
passing a token to a mobile device application installed on a client device of the candidate co-applicant, the token including information based on input received from the applicant; and
pre-populating, at the client device of the candidate co-applicant, using the token, the information.
12. The system of claim 11 , wherein no candidate co-applicants are identified from the plurality of potential co-applicants, and wherein the operations further comprise:
determining that no candidate co-applicants are identified from the plurality of potential co-applicants;
responsive to determining that no candidate co-applicants are identified from the plurality of co-applicants, accessing a contacts list of a device of the applicant; and
designating a user of the contacts list a candidate co-applicant.
13. The system of claim 12 , wherein the operations further comprise:
accessing a database comprising profile information of the user;
determining whether the profile information indicates that the user is prequalified to successfully complete the application; and
designating the user as the candidate co-applicant responsive to determining that the profile information indicates that the user is prequalified to successfully complete the application.
14. The system of claim 11 , wherein a plurality of candidate co-applicants are identified, and wherein the operations further comprise:
determining a responsibility to be undertaken by the co-applicant; and
filtering the plurality of candidate co-applicants by removing, from the plurality of candidate co-applicants, those candidate co-applicants determined to be unqualified to undertake the responsibility.