AUTOMATED SYSTEM FOR SELECTING COMBINED CREDIT OFFERS Russian patent published in 2020 - IPC G06F17/40 G06Q40/02 

FIELD: computer equipment.

SUBSTANCE: invention relates to an automated system for selecting combined credit offers. System comprises: Bank system, which performs electronic interaction with a client, storage of information on clients, bank and non-bank services; Bank servers interacting with credit history bureau servers (SSCI) receiving information on current liabilities of customers on loans; Calculation server comparing conditions of plurality of various banking and non-bank services when selecting a personal combined offer for a client, automatically calculating and forming credit offer for client, performing calculation for client of available versions of obligations refinancing on new loyal conditions provided that the client already has obligations on repayment of previously issued credits, and this is a limitation for issuing a new loan to a client, since the settlement system has identified a shortage of available funds, transmit the generated credit offer to the Bank system for provision to the client and to the Database server for further storage; Database server.

EFFECT: technical result consists in automation of selection of combined credit proposals.

6 cl, 2 dwg