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 comprising:
determining a candidate co-applicant based on of an attribute of a device of an applicant;
generating for display, on the 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 , further comprising generating for display a plurality of selectable options that each correspond to different candidate co-applicants, the plurality of selectable options comprising the selectable option, the different candidate co-applicants comprising the candidate co-applicant.
3. The method of claim 2 , wherein the different candidate co-applicants are selected for inclusion based on being collocated with a location of the applicant.
4. The method of claim 1 , wherein the candidate co-applicant is a user of a contacts list of the device of the applicant.
5. The method of claim 4 , 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.
6. 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.
7. The method of claim 1 , wherein a plurality of candidate co-applicants are identified, and wherein the method further comprises generating for display a recommendation, along with the selectable option, that a respective candidate co-applicant be selected based on a strength of association between the respective candidate co-applicant and the applicant on an edge of a graph.
8. A non-transitory computer-readable medium comprising memory with instructions encoded thereon that, when executed by one or more processors, cause the one or more processors to perform operations, the instructions comprising instructions to:
determine a candidate co-applicant based on of an attribute of a device of an applicant;
generate for display, on the 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.
9. The non-transitory computer-readable medium of claim 8 , the instructions further comprising instructions to generate for display a plurality of selectable options that each correspond to different candidate co-applicants, the plurality of selectable options comprising the selectable option, the different candidate co-applicants comprising the candidate co-applicant.
10. The non-transitory computer-readable medium of claim 9 , wherein the different candidate co-applicants are selected for inclusion based on being collocated with a location of the applicant.
11. The non-transitory computer-readable medium of claim 8 , wherein the candidate co-applicant is a user of a contacts list of the device of the applicant.
12. The non-transitory computer-readable medium of claim 11 , the instructions further comprising 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.
13. The non-transitory computer-readable medium of claim 8 , 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.
14. The non-transitory computer-readable medium of claim 8 , wherein a plurality of candidate co-applicants are identified, and wherein the instructions further comprise instructions to generate for display a recommendation, along with the selectable option, that a respective candidate co-applicant be selected based on a strength of association between the respective candidate co-applicant and the applicant on an edge of a graph.
15. A system comprising:
one or more processors; and
a non-transitory computer readable medium comprising memory with instructions encoded thereon that, when executed, cause the one or more processors to perform operations of:
determining a candidate co-applicant based on of an attribute of a device of an applicant;
generating for display, on the 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.
16. The system of claim 15 , the operations further comprising generating for display a plurality of selectable options that each correspond to different candidate co-applicants, the plurality of selectable options comprising the selectable option, the different candidate co-applicants comprising the candidate co-applicant.
17. The system of claim 16 , wherein the different candidate co-applicants are selected for inclusion based on being collocated with a location of the applicant.
18. The system of claim 15 , wherein the candidate co-applicant is a user of a contacts list of the device of the applicant.
19. The system of claim 18 , the operations 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.
20. The system of claim 15 , 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.