Description:TECHNICAL FIELD
[0001] The present disclosure relates to the field of financial services. More particularly the present disclosure relates to a system and method for sanctioning financial services for agriculture.

BACKGROUND
[0002] Background description includes information that may be useful in understanding the present invention. It is not an admission that any of the information provided herein is prior art or relevant to the presently claimed invention, or that any publication specifically or implicitly referenced is prior art.
[0003] Farmers across many countries such as India have fewer opportunities to access digital finance and there are very few financial products and services that are being digitally given to farmers. The onboarding of customers (farmers in this case) is done offline. Most of the banks, especially the public sector banks (PSBs) follow a Business Correspondent (BC) model, wherein the business correspondent (BC) works on a commission basis collecting customers’ preliminary data and documents. The banks or the service provider often rely on the limited data collected. Once the customer is sourced/onboarded, the file/application is processed at Bank branch level, it is processed using the traditional methods of underwriting and manually processed by the credit officer/manager of the Bank and is dependent on the time taken by the individual/branch process. This often takes longer than required for the decision making. There is no standard tool for collecting or analyzing the data of farmer and facilitate the decision-making process.
[0004] Currently the banks use a Business Correspondent to collect data of the customers in rural segments. The micro finance institution deploys field workers to collect information manually and engage with the consumer. The data collected is manually by these field officers which limits the amount of data collected as well as the reach to the number of rural populations. The banks or the financial service provider then do decision making on the limited information and rely on manual verification process. This at times leads to poor results and increase in defaults on repayment if any. There are no standard analytic tools which analyses the farmer data and aid in the decision-making process.
[0005] There is, therefore, a need of a system and method for allowing such services, which is free from above discussed drawbacks.

OBJECTS OF THE PRESENT DISCLOSURE
[0006] Some of the objects of the present disclosure, which at least one embodiment herein satisfies are as listed herein below.
[0007] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, which is more efficient.
[0008] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, which is less time consuming.
[0009] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, which is easy to use.
[0010] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, based on soil data information.
[0011] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, based on satellite data information.
[0012] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, which use multilingual input.
[0013] It is an object of the present disclosure to provide a system and method for sanctioning agriculture loans to the user, which provides multilingual output.

SUMMARY
[0014] The present disclosure relates to the field of financial services. More particularly the present disclosure relates to a system and method for sanctioning financial services for agriculture.
[0015] An aspect of the present disclosure pertains to a system for sanctioning one or more services to a user. The system includes a processing unit, having processor, for executing one or more instructions stored in a memory, which, on execution, causes the system to receive, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail. Receive, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user. Assign, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute. Generate, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the at least one service is sanctioned to the user on the basis of generated worthiness score.
[0016] In an aspect, the first set of information may comprise any or combination of name, address, PAN card, Aadhaar card, Bank Details, income tax details, driving license, pass port, and other government IDs.
[0017] In an aspect, the set of attributes may comprise a type and quantity any or combination of land owned by the user, vehicles owned by the user, type of business run by the user, and income of the user.
[0018] In an aspect, the set of attributes may comprise a type and quantity any or combination of livestock owned by the user, agriculture machinery owned by the user.
[0019] In an aspect, the first institution may comprise any or combination of a bank.
[0020] In an aspect, the one or more second institutions may comprise any or combination of a bank, income tax office, tehsil, and regional transport office, Nonbanking financial companies (NPFC), and Micro Finance Institutions (MFIs).
[0021] In an aspect, the one or more services may comprise any or combination of loan eligibility, and compensation applied against any loss.
[0022] In yet another aspect, the present disclosure pertains to a method for sanctioning one or more services to the user. The method includes receiving, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail. Receiving, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user. assigning, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute. Generating, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the atleast one service is sanctioned to the user on the basis of generated worthiness score.
[0023] Various objects, features, aspects and advantages of the inventive subject matter will become more apparent from the following detailed description of preferred embodiments, along with the accompanying drawing figures in which like numerals represent like components.

BRIEF DESCRIPTION OF DRAWINGS
[0024] The accompanying drawings are included to provide a further understanding of the present disclosure, and are incorporated in and constitute a part of this specification. The drawings illustrate exemplary embodiments of the present disclosure and, together with the description, serve to explain the principles of the present disclosure. The diagrams are for illustration only, which thus is not a limitation of the present disclosure.
[0025] In the figures, similar components and/or features may have the same reference label. Further, various components of the same type may be distinguished by following the reference label with a second label that distinguishes among the similar components. If only the first reference label is used in the specification, the description is applicable to any one of the similar components having the same first reference label irrespective of the second reference label.
[0026] FIG. 1 illustrates exemplary network architecture in which or with which proposed system for sanctioning one or more services to a user can be implemented, in accordance with an embodiment of the present disclosure.
[0027] FIG. 2 illustrates an exemplary module representation for proposed system, in accordance with an embodiment of the present disclosure.
[0028] FIGs. 3A-C illustrate examples showing worthiness score generated for user, in accordance with an embodiment of the present disclosure.
[0029] FIG. 4 illustrates a proposed method for sanctioning one or more services to a user, in accordance with an embodiment of the present disclosure.
[0030] FIG. 5 illustrates an exemplary computer system in which or with which embodiments of the present invention can be utilized, in accordance with embodiments of the present disclosure.

DETAILED DESCRIPTION
[0031] The following is a detailed description of embodiments of the disclosure depicted in the accompanying drawings. The embodiments are in such detail as to clearly communicate the disclosure. However, the amount of detail offered is not intended to limit the anticipated variations of embodiments; on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the scope of the present disclosure as defined by the appended claims.
[0032] In the following description, numerous specific details are set forth in order to provide a thorough understanding of embodiments of the present invention. It will be apparent to one skilled in the art that embodiments of the present invention may be practiced without some of these specific details.
[0033] The present disclosure relates to the field of financial services. More particularly the present disclosure relates to a system and method for sanctioning financial services for agriculture.
[0034] The present disclosure elaborates upon a system for sanctioning one or more services to a user. The system includes a processing unit, having processor, for executing one or more instructions stored in a memory, which, on execution, causes the system to receive, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail. Receive, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user. Assign, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute. Generate, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the at least one service is sanctioned to the user on the basis of generated worthiness score.
[0035] In an embodiment, the first set of information can comprise any or combination of name, address, PAN card, Aadhaar card, Bank Details, income tax details, driving license, pass port, and other government IDs.
[0036] In an embodiment, the set of attributes can comprise a type and quantity any or combination of land owned by the user, vehicles owned by the user, type of business run by the user, and income of the user.
[0037] In an embodiment, the set of attributes can comprise a type and quantity any or combination of livestock owned by the user, agriculture machinery owned by the user.
[0038] In an embodiment, the first institution can comprise any or combination of a bank.
[0039] In an embodiment, the one or more second institutions can comprise any or combination of a bank, income tax office, tehsil, and regional transport office, Nonbanking financial companies (NPFC), and Micro Finance Institutions (MFIs).
[0040] In an embodiment, the one or more services can comprise any or combination of loan eligibility, and compensation applied against any loss.
[0041] In yet another embodiment, the present disclosure pertains to a method for sanctioning one or more services to the user. The method includes receiving, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail. Receiving, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user. assigning, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute. Generating, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the atleast one service is sanctioned to the user on the basis of generated worthiness score.
[0042] FIG. 1 illustrates exemplary network architecture in which or with which proposed system for sanctioning one or more services to a user can be implemented, in accordance with an embodiment of the present disclosure.
[0043] As illustrated, in a network implementation 100, a system 102 for sanctioning one or more services to a user can be communicatively coupled with a plurality of client node devices 108-1, 108-2…108-N (collectively referred to as client node devices 108 and individually referred to as client node device 108 hereinafter) through network 104. The system 102 can be implemented using any or a combination of hardware components and software components such as a server 106, a computing system, a computing device, a security device and the like.
[0044] Further, the system 102 can interact with entities or users 110-1, 110-2…110-N (collectively referred to as entities 110, and individually referred to as entity or user 110 herein after), through the client devices 108 (also referred as client node devices, 108) or through applications residing on the client devices 108. In an implementation, the system 102 can be accessed by applications residing on any operating system, including but not limited to, AndroidTM, iOSTM, and the like. In a preferred embodiment, the client node devices 106 are associated with respective users 108. The one or more services can include but not limited to financial services such as loan, and compensation.
[0045] In an embodiment, the system 102 and the user 110 can be communicatively coupled with a first institution 112 through network 104. Further, the system 102 can be operatively configured with one or more second institutions 114-1, 114-2…114-N (collectively referred to as second institutions 114, and individually referred to as second institution 114 herein after), In an implementation, the system 102 can be accessed by applications residing on any operating system, including but not limited to, AndroidTM, iOSTM, and the like. In a preferred embodiment, the second client devices 112 are associated with respective second entities 108.
[0046] As illustrated, the system 102 can be configured to receive, from the user 110, a request for availing at least one service of the one or more services from a first institution 112. The one or more services can include but without limiting to any or combination of loan eligibility, and compensation applied against any loss. The request can include a first set of information pertaining to an identity of the user 110 and type of facility the user wants to avail. The first set of information can comprise but not limited to any or combination of name, address, PAN card, Aadhaar card, Bank Details, income tax details, driving license, pass port, and other government IDs. The system can be configured to receive, from one or more second institutions 112, a second set of information corresponding to a set of attributes pertaining to assets owned by the user 110 and any history of services of the one or more services availed by the user. The set of attributes can comprise but not limited to a type and quantity of any or combination of land owned by the user, vehicles owned by the user, type of business run by the user, and income of the user. The one or more second institutions can comprise any or combination of a bank, income tax office, tehsil, and regional transport office.
[0047] In an embodiment, the system 102 can assign, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute. For example, if the user owns a commercial land its weight can be more than a residential land, if the owner owns an agriculture land its weight can be low. Also, if the owner owns a high-end car its weight can be more than a normal segment car. Generate, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the at least one service is sanctioned to the user on the basis of generated worthiness score. The worthiness score can be a cumulative score value for all the one or more attributes.
[0048] FIG. 2 illustrates an exemplary module representation for proposed system, in accordance with an embodiment of the present disclosure.
[0049] As illustrated, a module diagram 200 of the system 102 may comprise one or more processor(s) 202. The one or more processor(s) 202 may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, logic circuitries, and/or any devices that manipulate data based on operational instructions. Among other capabilities, the one or more processor(s) 202 are configured to fetch and execute computer-readable instructions stored in a memory 206 of the system 102. The memory 204 may store one or more computer-readable instructions or routines, which may be fetched and executed to create or share the data units over a network service. The memory 204 may comprise any non-transitory storage device including, for example, volatile memory such as RAM, or non-volatile memory such as EPROM, flash memory, and the like.
[0050] The system 102 may also comprise an interface(s) 206. The interface(s) 206 may comprise a variety of interfaces, for example, interfaces for data input and output devices, referred to as I/O devices, storage devices, and the like. The interface(s) 206 may facilitate communication of system 102. The interface(s) 206 may also provide a communication pathway for one or more components of the system 102. Examples of such components include, but are not limited to, processing engine(s) 208 and data 210. For example,
[0051] The processing engine(s) 208 may be implemented as a combination of hardware and programming (for example, programmable instructions) to implement one or more functionalities of the processing engine(s) 208. In examples described herein, such combinations of hardware and programming may be implemented in several different ways. For example, the programming for the processing engine(s) 208 may be processor executable instructions stored on a non-transitory machine-readable storage medium and the hardware for the processing engine(s) 208 may comprise a processing resource (for example, one or more processors), to execute such instructions. In the present examples, the machine-readable storage medium may store instructions that, when executed by the processing resource, implement the processing engine(s) 208. In such examples, the system 102 may comprise the machine-readable storage medium storing the instructions and the processing resource to execute the instructions, or the machine-readable storage medium may be separate but accessible to system 102 and the processing resource. In other examples, the processing engine(s) 208 may be implemented by electronic circuitry.
[0052] The data 210 may comprise data that is either stored or generated as a result of functionalities implemented by any of the components of the processing engine(s) 208 or the system 102.With reference to FIGs. 1 and 2, the system 102 can include a receiving module 212 that can be configured to receive the request, having set of first instructions, for availing at least one service of the one or more services. The receiving module 212 can also be configured to receive the set of second instructions from the one or more second institutions.
[0053] In an embodiment, the system can include a weight assigning module 214 that can be operatively configured with the receiving engine 212. The weight assigning module 214 can be configured to assign, based on the set of first information and the set of second information, a weight to each of the one or more attributes.
[0054] In an embodiment, the system can include a score generating module 216 that can be operatively configured with the receiving module 212 and the weight assigning module 214. The score generating module 216 can be configured to generate a worthiness score for the user to check if the user is eligible to avail the at least one service. The at least one service is sanctioned to the user on the basis of the generated worthiness score.
[0055] FIG. 3 illustrates examples showing worthiness score generated for user, in accordance with an embodiment of the present disclosure.
[0056] As illustrated, FIG. 3A-C illustrates exemplary representation of worthiness score generated for different users based on the one or more attributes owned by the users. If the user is a farmer than his/her worthiness score can be generated on the basis of but not limited to land owned, type of crop produce such as rabi, kharif, and summer, type of equipment used for irrigation and ploughing the land, any previous loan taken by the user, effective time uses their land for crop production per year (if he/she cultivates the whole year), and live stock owned by the users such as cattle’s, birds, fishery etc. Based on the worthiness score generated the users can be divided in to different categories and associated risk involved in lending money to the user. Table 1 shows an exemplary category in which the users can be divided:

Table: 1

Table 2 illustrates an exemplary representation of the loan amount that can be sanctioned to the users on the basis of the category they are tagged in. Also, the rate of interest (ROI) can vary with the change in the category:
S. No Eligibility Matrix
1 Scored Eligibility >=200
2 Security Unsecured
3 Total Eligibilty Amount ROI*
Grade A 60% of Total Worth or Total of WC (working capital) +TL (Term loan)
whichever is lower 11-13%
Grade B 55% of Total Worth or Total of WC+TL
whichever is lower 13-17%
Grade C 50% of Total Worth or Total of WC+TL
whichever is lower 15-19%
Grade D 45% of Total Worth or Total of WC+TL
whichever is lower 18-24%
4 Working capital Eligibility 25% of (Crop+Livestock worth)
5 Term Loan/PL eligibility 60% of (Land, Irrigation & Equipment) + 45 % of
(Crop+Livestock worth)
Table: 2
[0057] FIG. 4 illustrates a proposed method for sanctioning one or more services to a user, in accordance with an embodiment of the present disclosure.
[0058] As illustrated, at step 402, a method 400 for sanctioning one or more services to the user can include receiving, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail.
[0059] At step 404, the method 400 can include receiving, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user.
[0060] At step 406, the method 400 can include assigning, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute.
[0061] At step 408, the method 400 can include generating, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the atleast one service is sanctioned to the user on the basis of generated worthiness score.
[0062] FIG. 5 illustrates an exemplary computer system in which or with which embodiments of the present invention can be utilized, in accordance with embodiments of the present disclosure.
[0063] As illustrated in FIG. 5, computer system 500 can include an external storage device 510, a bus 520, a main memory 530, a read only memory 540, a mass storage device 550, communication port 560, and a processor 570. A person skilled in the art will appreciate that the computer system may include more than one processor and communication ports. Examples of processor 570 include, but are not limited to, an Intel® Itanium® or Itanium 2 processor(s), or AMD® Opteron® or Athlon MP® processor(s), Motorola® lines of processors, FortiSOC™ system on chip processors or other future processors. Processor 570 may include various modules associated with embodiments of the present invention. Communication port 560 can be any of an RS-232 port for use with a modem based dialup connection, a 10/100 Ethernet port, a Gigabit or 10 Gigabit port using copper or fiber, a serial port, a parallel port, or other existing or future ports. Communication port 560 may be chosen depending on a network, such a Local Area Network (LAN), Wide Area Network (WAN), or any network to which computer system connects.
[0064] Memory 530 can be Random Access Memory (RAM), or any other dynamic storage device commonly known in the art. Read-only memory 540 can be any static storage device(s) e.g., but not limited to, a Programmable Read Only Memory (PROM) chips for storing static information e.g., start-up or BIOS instructions for processor 570. Mass storage 550 may be any current or future mass storage solution, which can be used to store information and/or instructions. Exemplary mass storage solutions include, but are not limited to, Parallel Advanced Technology Attachment (PATA) or Serial Advanced Technology Attachment (SATA) hard disk drives or solid-state drives (internal or external, e.g., having Universal Serial Bus (USB) and/or Firewire interfaces), e.g. those available from Seagate (e.g., the Seagate Barracuda 7102 family) or Hitachi (e.g., the Hitachi Deskstar 7K1000), one or more optical discs, Redundant Array of Independent Disks (RAID) storage, e.g. an array of disks (e.g., SATA arrays), available from various vendors including Dot Hill Systems Corp., LaCie, Nexsan Technologies, Inc. and Enhance Technology, Inc.
[0065] Bus 520 communicatively couples processor(s) 570 with the other memory, storage and communication blocks. Bus 520 can be, e.g. a Peripheral Component Interconnect (PCI) / PCI Extended (PCI-X) bus, Small Computer System Interface (SCSI), USB or the like, for connecting expansion cards, drives and other subsystems as well as other buses, such a front side bus (FSB), which connects processor 570 to software system.
[0066] Optionally, operator and administrative interfaces, e.g. a display, keyboard, and a cursor control device, may also be coupled to bus 520 to support direct operator interaction with a computer system. Other operator and administrative interfaces can be provided through network connections connected through communication port 560. The external storage device 510 can be any kind of external hard-drives, floppy drives, IOMEGA® Zip Drives, Compact Disc - Read Only Memory (CD-ROM), Compact Disc-Re-Writable (CD-RW), Digital Video Disk-Read Only Memory (DVD-ROM). Components described above are meant only to exemplify various possibilities. In no way should the aforementioned exemplary computer system limit the scope of the present disclosure.
[0067] Embodiments of the present disclosure may be implemented entirely hardware, entirely software (including firmware, resident software, micro-code, etc.) or combining software and hardware implementation that may all generally be referred to herein as a “circuit,” “module,” “component,” or “system.” Furthermore, aspects of the present disclosure may take the form of a computer program product comprising one or more computer readable media having computer readable program code embodied thereon.
[0068] Moreover, in interpreting the specification, all terms should be interpreted in the broadest possible manner consistent with the context. In particular, the terms “comprises” and “comprising” should be interpreted as referring to elements, components, or steps in a non-exclusive manner, indicating that the referenced elements, components, or steps may be present, or utilized, or combined with other elements, components, or steps that are not expressly referenced. Where the specification claims refer to at least one of something selected from the group consisting of A, B, C ….and N, the text should be interpreted as requiring only one element from the group, not A plus N, or B plus N, etc.
[0069] While the foregoing describes various embodiments of the invention, other and further embodiments of the invention may be devised without departing from the basic scope thereof. The scope of the invention is determined by the claims that follow. The invention is not limited to the described embodiments, versions or examples, which are included to enable a person having ordinary skill in the art to make and use the invention when combined with information and knowledge available to the person having ordinary skill in the art.

ADVANTAGES OF THE INVENTION
[0070] The proposed invention provides a system and method for sanctioning agriculture loans to the user, which is more efficient.
[0071] The proposed invention provides a system and method for sanctioning agriculture loans to the user, which is less time consuming.
[0072] The proposed invention provides a system and method for sanctioning agriculture loans to the user, which is easy to use.
[0073] The proposed invention provides a system and method for sanctioning agriculture loans to the user, based on soil data information.
[0074] The proposed invention provides a system and method for sanctioning agriculture loans to the user, based on satellite data information.
[0075] The proposed invention provides a system and method for sanctioning agriculture loans to the user, which use multilingual input.
[0076] The proposed invention provides a system and method for sanctioning agriculture loans to the user, which provides multilingual output.

Claims:1. A system for sanctioning one or more services to a user, the system comprising:
a processing unit, having processor, for executing one or more instructions stored in a memory, which, on execution, causes the system to:
receive, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail;
receive, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user;
assign, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute; and
generate, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the atleast one service is sanctioned to the user on the basis of generated worthiness score.
2. The system as claimed in claim 1, wherein the first set of information comprises any or combination of name, address, PAN card, Aadhaar card, Bank Details, income tax details, driving license, pass port, and other government IDs.
3. The system as claimed in claim 1, wherein the set of attributes comprise a type and quantity any or combination of land owned by the user, vehicles owned by the user, type of business run by the user, and income of the user.
4. The system as claimed in claim 1, wherein the first institution comprises a bank.
5. The system as claimed in claim 1, wherein the one or more second institutions comprises any or combination of a bank, income tax office, tehsil, and regional transport office, Nonbanking financial companies (NBFCs), and Micro Finance Institutions (MFIs).
6. The system as claimed in claim 1, wherein the one or more services comprises any or combination of loan eligibility, and compensation applied against any loss.
7. A method for sanctioning one or more services to the user, the method comprising:
receiving, from the user, a request for availing at least one service of the one or more services from a first institution, and the request comprises a first set of information pertaining to an identity of the user and type of facility the user wants to avail;
receiving, from one or more second institutions, a second set of information corresponding to a set of attributes pertaining to assets owned by the user and any history of services of the one or more services availed by the user;
assigning, based on the second set of information, a weight to each of the or more attributes of the user, and the weight being assigned to an attribute based on a type of the attribute; and
generating, based on the assigned weights, a worthiness score pertaining to an eligibility of the user for availing the at least one service, and the atleast one service is sanctioned to the user on the basis of generated worthiness score.