Integration

In Creditor.AI you can not only buy loan applications, but also sell your own. To sell your loan application you should send us json-object that includes all fields, from your loan application. Each field is a pair of values - name of the field and it's value.

Obviously, you keep these fields in your database and every field has a name convenient for you. Therefore, the system allows you to configure the json file in a way that is convenient for you, so that integration would be as painless as possible.

Lending companies

The preliminary scheme of the json object looks like this:

                                        
{ 
  'Fields':
    [
      {'Name':'field1', 'Value':'1'},
      {'Name':'field2', 'Value':'2'},
      {'Name':'field3', 'Value':'3'}
    ],
  'price': 0.75,
  'specialization': 0,
  'type': 0
}
                                            
                                        

where fieldName1 is the name of the field that you configure.

price - price of your loan application. Minimum price is 0.5 USD.

specialization - type of your application. Here is the list of types:

lead generation - 0
consumer loans - 1
credit cards - 2
personal loans - 3
mortgage - 4
car financing - 5
payday loans - 6
student loans - 7
small business loans - 8
appliance financing - 9
installment loans - 10
credit brokerage - 11
other type - 12

type - json - 0, xml - 1.

If there is no need for such a configuration, we can generate these names for you and provide an example of a json file for your application template.

The system has a list of mandatory fields, without which the loan is not possible. Such fields are:

1. Loan Amount - should be number, values between 1 and 99999

2. Loan term - number values between 1 and 9999 (months number)

3. LastName - string, between 1 and 20 symbols (pattern @"^[a-z-]{1,20}}$)

4. FirstName - string, between 1 and 20 symbols (pattern @"^[a-z-]{1,20}}$)

5. DateOfBirth - date, format MM/dd/yyyy, should be older than 18 years

6. Email

7. PrimaryPhone - 10 digits, also could contain such symbols as ' ', '-', '(', ')'. For example 3234567898, 323-345-1234, etc

8. State - short form of a state, f.e. AL, AK, etc. Full list could be found here

9. City - string, max 20 symbols

10. Street - string, max 30 symbols

11. House - number, max 30 digits

12. Month At Adress - number, max 3 digits

13. Is Home Owner - bool

14. Postcode - number, max 6 digits

15. SSN - number, 9 digits

16. Employer - name of the employer company, string, max 30 symbols

17. Employer Phone - 10 digits, also could contain such symbols as ' ', '-', '(', ')' for example 3234567898, 323-345-1234, etc

18. Gross Monthly Income - pattern (^[0-9]{1,3}(,)?[0-9]{1,3}$)||([0-9]{1,6})

19. Income Type - 1 for Employment , 2 for Benefits

20. Is Paycheck Received - bool

21. Month Employed - number, max 3 digits

22. Payment Frequency - weekly = 1, biweekly = 2, monthly =3, twicemonthly = 4

23. Next Paydate - date, format MM/dd/yyyy, should be date in future

24. Bank Account Number - number, max 30 digits

25. Bank Name - name of the bank, max 30 symbols

26. Routing Number - number, max 30 digits

27. Months At Bank - number, max 3 digits

28. Account Type - checking = 1, savings = 2

Creditor AI

Here is an example of json-object:

                                            
{
'Fields':
 [
  {'Name':'firstName', 'Value':'alan'},
  {'Name':'lastName', 'Value':'silvestri'},
  {'Name':'middleName', 'Value':'barak'},
  {'Name':'loanAmount', 'Value':'23'},
  {'Name':'loanTerm', 'Value':'5'},
  {'Name':'dob', 'Value':'02/06/1993'},
  {'Name':'phone', 'Value':'1234567891'},
  {'Name':'isMiliraty', 'Value':'false'},
  {'Name':'hasHome', 'Value':'false'},
  {'Name':'isCarOwner', 'Value':'yes'},
  {'Name':'drLic', 'Value':'546354'},
  {'Name':'drLicState', 'Value':'CA'},
  {'Name':'state', 'Value':'CA'},
  {'Name':'city', 'Value':'los angeles'},
  {'Name':'street', 'Value':'baker'},
  {'Name':'house', 'Value':'228'},
  {'Name':'postcode', 'Value':'90209'},
  {'Name':'monthAtAdress', 'Value':'4'},
  {'Name':'employer', 'Value':'name'},
  {'Name':'monthEmployed', 'Value':'1'},
  {'Name':'grossIncome', 'Value':'750'},
  {'Name':'incomeType', 'Value':'1'},
  {'Name':'ePhone', 'Value':'1234567891'},
  {'Name':'extension', 'Value':''},
  {'Name':'paycheckReceived', 'Value':'true'},
  {'Name':'paymentFrequency', 'Value':'1'},
  {'Name':'paydate', 'Value':'11/27/2017'},
  {'Name':'accountNumber', 'Value':'332142'},
  {'Name':'routingNumber', 'Value':'312478'},
  {'Name':'accountType', 'Value':'1'},
  {'Name':'monthsAtBank', 'Value':'3'},
  {'Name':'bankName', 'Value':'Private'},
  {'Name':'ssn', 'Value':'666666666'},
  {'Name':'email', 'Value':'em@gmail.com'}
],
'price': 7,
'type': 0,
'specialization': 0
}