公开(公告)号：US20240202364A1

公开(公告)日：2024-06-20

申请号：US18595786

申请日：2024-03-05

Applicant: Capital One Services, LLC

Inventor： Dinesh SUNDARAM ,  Raman BAJAJ ,  Jacques MOREL ,  Sanjiv YAJNIK ,  Trent JONES ,  Alan ILANGO ,  Jacob CREECH ,  Avijit SARKAR ,  Rajaboopathy VIJAYARAGHAVAN ,  Ishu GUPTA ,  Thomas SICKERT

IPC: G06F21/62 ,  G06F8/65 ,  G06F8/71 ,  G06F9/445 ,  G06F9/54 ,  G06F16/25 ,  G06F16/955 ,  G06F18/24 ,  G06F21/53 ,  G06F21/60 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06K7/14 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0201 ,  G06Q30/0601 ,  G06Q40/02 ,  G06Q40/03 ,  G06Q50/26 ,  H04L9/08 ,  H04L9/40 ,  H04L67/01

CPC classification number: G06F21/6245 ,  G06F9/44505 ,  G06F9/54 ,  G06F9/547 ,  G06F16/258 ,  G06F16/9558 ,  G06F16/9562 ,  G06F18/24 ,  G06F21/53 ,  G06F21/602 ,  G06F21/604 ,  G06F21/6227 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q30/0185 ,  G06Q30/0206 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0619 ,  G06Q30/0637 ,  G06Q30/0643 ,  G06Q40/02 ,  G06Q40/03 ,  H04L9/0825 ,  H04L63/0435 ,  H04L63/08 ,  H04L63/0815 ,  H04L63/102 ,  H04L63/123 ,  H04L63/166 ,  H04L63/168 ,  H04L67/01 ,  G06F8/65 ,  G06F8/71 ,  G06F2221/2107 ,  G06K7/1417 ,  G06Q50/265 ,  G06Q2220/00 ,  H04L9/0822

Abstract: The system and methods described herein allow users to give their applicant information to at least one entity when seeking to submit an inquiry associated with an item, and have various lender microservices run in parallel, segregated by entity, in a jailed environment. The result of these microservices may be returned as a response to the inquiry, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed environment due to outputs from the environment being encrypted in a universal format.

公开(公告)号：US20200372574A1

公开(公告)日：2020-11-26

申请号：US16881897

申请日：2020-05-22

Applicant: Capital One Services, LLC

Inventor： Dinesh Sundaram ,  Rajaboopathy VIJAYARAGHAVAN ,  Sanjiv YAJNIK ,  Raman BAJAJ ,  Jacques MOREL ,  Trent JONES ,  Thomas SICKERT ,  Jacob CREECH ,  Alan ILANGO ,  Alex BAIRD

IPC: G06Q40/02 ,  G06F21/60 ,  G06F9/54

Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.

公开(公告)号：US20240320367A1

公开(公告)日：2024-09-26

申请号：US18419670

申请日：2024-01-23

Applicant: Capital One Services, LLC

Inventor： Dinesh SUNDARAM ,  Rajaboopathy VIJAYARAGHAVAN ,  Sanjiv YAJNIK ,  Raman BAJAJ ,  Jacques MOREL ,  Trent JONES ,  Thomas SICKERT ,  Jacob CREECH ,  Alan ILANGO ,  Alex BAIRD ,  Vikramaditya REPAKA ,  Hala Salim EL-ALI

IPC: G06F21/62 ,  G06F8/65 ,  G06F8/71 ,  G06F9/445 ,  G06F9/54 ,  G06F16/25 ,  G06F16/955 ,  G06F18/24 ,  G06F21/53 ,  G06F21/60 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06K7/14 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0201 ,  G06Q30/0601 ,  G06Q40/02 ,  G06Q40/03 ,  G06Q50/26 ,  H04L9/08 ,  H04L9/40 ,  H04L67/01

CPC classification number: G06F21/6245 ,  G06F9/44505 ,  G06F9/54 ,  G06F9/547 ,  G06F16/258 ,  G06F16/9558 ,  G06F16/9562 ,  G06F18/24 ,  G06F21/53 ,  G06F21/602 ,  G06F21/604 ,  G06F21/6227 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q30/0185 ,  G06Q30/0206 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0619 ,  G06Q30/0637 ,  G06Q30/0643 ,  G06Q40/02 ,  G06Q40/03 ,  H04L9/0825 ,  H04L63/0435 ,  H04L63/08 ,  H04L63/0815 ,  H04L63/102 ,  H04L63/123 ,  H04L63/166 ,  H04L63/168 ,  H04L67/01 ,  G06F8/65 ,  G06F8/71 ,  G06F2221/2107 ,  G06K7/1417 ,  G06Q50/265 ,  G06Q2220/00 ,  H04L9/0822

Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.

公开(公告)号：US20240193302A1

公开(公告)日：2024-06-13

申请号：US18588542

申请日：2024-02-27

Applicant: Capital One Services, LLC

Inventor： Dinesh SUNDARAM ,  Sanjiv YAJNIK ,  Raman BAJAJ ,  Jacques MOREL ,  Alex BAIRD ,  Rajaboopathy VIJAYARAGHAVAN

IPC: G06F21/62 ,  G06F8/65 ,  G06F8/71 ,  G06F9/445 ,  G06F9/54 ,  G06F16/25 ,  G06F16/955 ,  G06F18/24 ,  G06F21/53 ,  G06F21/60 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06K7/14 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0201 ,  G06Q30/0601 ,  G06Q40/02 ,  G06Q40/03 ,  G06Q50/26 ,  H04L9/08 ,  H04L9/40 ,  H04L67/01

CPC classification number: G06F21/6245 ,  G06F9/44505 ,  G06F9/54 ,  G06F9/547 ,  G06F16/258 ,  G06F16/9558 ,  G06F16/9562 ,  G06F18/24 ,  G06F21/53 ,  G06F21/602 ,  G06F21/604 ,  G06F21/6227 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  G06Q10/10 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q30/0185 ,  G06Q30/0206 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0619 ,  G06Q30/0637 ,  G06Q30/0643 ,  G06Q40/02 ,  G06Q40/03 ,  H04L9/0825 ,  H04L63/0435 ,  H04L63/08 ,  H04L63/0815 ,  H04L63/102 ,  H04L63/123 ,  H04L63/166 ,  H04L63/168 ,  H04L67/01 ,  G06F8/65 ,  G06F8/71 ,  G06F2221/2107 ,  G06K7/1417 ,  G06Q50/265 ,  G06Q2220/00 ,  H04L9/0822

Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

公开(公告)号：US20220335522A1

公开(公告)日：2022-10-20

申请号：US17735350

申请日：2022-05-03

Applicant: Capital One Services, LLC

Inventor： Satish KESIBOYANA ,  Fredrick Allen CRABLE ,  Jacques MOREL ,  Nicky JOSHI

IPC: G06Q40/02 ,  H04L67/02 ,  H04L67/63

Abstract: In one aspect, the present disclosure relates to a multi-lender loan management system comprising an external network gateway, an internal network gateway, a messaging service, a plurality of Application Programming Interface (API) modules coupled between the external network gateway and the internal network gateway, and a plurality of micro services coupled to the internal network gateway and configured to communicate with each other via the messaging service. API modules can include a client API module and a lender API module. Microservices can include a loan applications microservice and an offers microservice.

公开(公告)号：US20200372576A1

公开(公告)日：2020-11-26

申请号：US16882163

申请日：2020-05-22

Applicant: Capital One Services, LLC

Inventor： Dinesh Sundaram ,  Raman BAJAJ ,  Jacques MOREL ,  Sanjiv YAJNIK ,  Trent JONES ,  Alan ILANGO ,  Jacob CREECH ,  Avijit SARKAR ,  Rajaboopathy VIJAYARAGHAVAN ,  Ishu GUPTA ,  Thomas SICKERT

IPC: G06Q40/02 ,  G06F21/53 ,  G06F21/62 ,  G06F21/60 ,  G06N5/02

Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.