METHOD FOR AUTOMATION OF CREDIT OPERATIONS USING A PERSONAL USER DEVICE Russian patent published in 2019 - IPC G06Q30/00 

FIELD: data processing; control devices.

SUBSTANCE: invention relates to methods of automating credit operations using a personal user device. Method comprises: by means of a combined network, data on a credit transaction is input to a communication server using a personal device, wherein each user is formed with an initial credit parameter, which is entered into a database located on a communication server, obtaining additional data on said user from a plurality of servers, from the obtained data, the computing module of the communication server calculates a correction to the initial credit parameter and writes it to a database of credit parameters, depending on the parameters of the required credit transaction, the current credit parameter of the first user is automatically calculated, depending on the parameters of the required credit operation, calculating the minimum user credit required for the requested credit transaction and if credit parameter of first user exceeds calculated value of credit parameter, credit operation is automatically performed. In case of non-increase it is not performed.

EFFECT: automated processing of credit transactions.

6 cl, 3 dwg