Invention Publication
- Patent Title: INTELLIGENT PREPROCESSING ROUTING TO DECISIONING SERVICES
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Application No.: US18442687Application Date: 2024-02-15
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Publication No.: US20240354440A1Publication Date: 2024-10-24
- Inventor: Satish KESIBOYANA , Rajaboopathy VIJAYARAGHAVAN , Nithya SUBRAMANIAN , Thomas SICKERT
- Applicant: Capital One Services, LLC
- Applicant Address: US VA McLean
- Assignee: Capital One Services, LLC
- Current Assignee: Capital One Services, LLC
- Current Assignee Address: US VA McLean
- Main IPC: G06F21/62
- 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

Abstract:
The system and methods described herein allow users to give their applicant information when seeking to purchase a good with financing from multiple potential lenders, and may be pre-screened by one or more rule sets implemented by a marketplace client in an eligibility analysis to ultimately submit applicant information to a subset of the multiple potential lenders which are found to be suitable for lending to an applicant based on the applicant information, wherein lender microservices are then run in a jailed, firewalled, and self-contained, autonomous environment, and the results of said lender microservices are reported to the user and may be used to change the one or more rule sets implemented by the marketplace client for future pre-screening of applicants.
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