Visa Inc.
COMPUTER-IMPLEMENTED METHOD, SYSTEM, AND PRODUCT FOR PROCESSING A LOAN REQUEST

Abstract:

A computer-implemented method includes: obtaining a loan request for a first amount associated with a first merchant in a first geographic region; obtaining merchant data associated with the first merchant and a plurality of second merchants; generating, based on the merchant data, a peer-to-peer risk score associated with the first merchant relative to the second merchants; based on the peer-to-peer risk score associated with the first merchant, generating a loan decision for the first merchant; and communicating a loan response to the first merchant including the loan decision.