Co-applicant candidate identification by way of edge graphs

A non-transitory computer-readable medium comprising memory with instructions encoded thereon that, when executed by a processor, cause the processor to perform operations for identifying a co-applicant based on proximity to an applicant, the instructions comprising instructions to:

• determine a location of the applicant;
• identify 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:
• determine 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, identify the respective potential co-applicant as a candidate co-applicant;
• generate 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;
• 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.

A system for identifying a co-applicant based on proximity to an applicant, the system comprising:

• a processor;
• and
• a non-transitory computer readable medium comprising memory with instructions encoded thereon that, when executed, cause the processor to perform the operations of:
• identifying 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:
• determining 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, identifying the respective potential co-applicant as a candidate co-applicant;
• generating 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;
• 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.