公开(公告)号：US20200372499A1

公开(公告)日：2020-11-26

申请号：US16881945

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 ,  Vikramaditya Repaka ,  Hala Salim El-Ali

IPC: G06Q20/38 ,  G06Q30/06

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：US11935002B2

公开(公告)日：2024-03-19

申请号：US16881945

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 ,  Vikramaditya Repaka ,  Hala Salim El-Ali

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

CPC classification number: G06Q10/10 ,  G06F9/44505 ,  G06F9/54 ,  G06F9/547 ,  G06F16/258 ,  G06F16/9558 ,  G06F16/9562 ,  G06F18/24 ,  G06F21/53 ,  G06F21/602 ,  G06F21/604 ,  G06F21/6227 ,  G06F21/6245 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  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：US11875308B2

公开(公告)日：2024-01-16

申请号：US17411115

申请日：2021-08-25

Applicant: Capital One Services, LLC

Inventor： Dinesh Sundaram ,  Hala Salim El-Ali ,  Katelyn Ge ,  Alan Ilango

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

CPC classification number: G06Q10/10 ,  G06F9/44505 ,  G06F9/54 ,  G06F9/547 ,  G06F16/258 ,  G06F16/9558 ,  G06F16/9562 ,  G06F18/24 ,  G06F21/53 ,  G06F21/602 ,  G06F21/604 ,  G06F21/6227 ,  G06F21/6245 ,  G06F40/103 ,  G06F40/174 ,  G06F40/18 ,  G06N3/02 ,  G06N5/025 ,  G06N20/00 ,  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 multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.

公开(公告)号：US11055685B2

公开(公告)日：2021-07-06

申请号：US16453947

申请日：2019-06-26

Applicant: Capital One Services, LLC

Inventor： Matthew L. Tribble ,  Hala Salim El-Ali

IPC: G06Q20/24 ,  G06F16/9038 ,  G06F16/9035 ,  G06Q30/06

Abstract: Disclosed herein are system, method, and computer program product embodiments for sorted parallel processing of large dataset to provide quicker search results to a user. An embodiment operates by receiving a search request containing a first attribute from a user, determining an intermediate result set of items in a database based on the search request, and sorting the items based on a second attribute of the items. The embodiment further operates by dividing the sorted items into a plurality of batches with sequential IDs, determining a result corresponding to the first attribute for each item in parallel, creating a sequentially-ordered list of determined results, identifying a subset of determined results based on a comparison between the determined results and a target result, determining a final result set of items, and returning at least a portion of the final result set of items to the user.

公开(公告)号：US10984009B2

公开(公告)日：2021-04-20

申请号：US16848230

申请日：2020-04-14

Applicant: Capital One Services, LLC

Inventor： Hala Salim El-Ali ,  Rajesh Ranjan Sinha ,  Raghavendra Dharmavaram ,  Siddharth Srinivasan ,  Vipin Dwivedi ,  Fredrick Allen Crable

IPC: G06F16/2458 ,  G06Q10/08 ,  G06F16/27 ,  G06Q30/06 ,  G06Q40/02

Abstract: Aspects described herein may relate to methods, systems, and apparatuses that partitions searchable content and distributes the segments across a plurality of processing nodes, which in turn further sub-partitions the partitions for processing by local search actor in order to increase the speed with which a search request from a user is processed. Processing nodes available to receive partitioned searchable content are registered with an external storage device. The external storage device also maintains a global results collector that compiles results from the partitions of searchable content. Respective local collector actors receive compiled results from local search actors for a processing node and the compiled results are sent to the global results collector for compiling for the plurality of processing nodes. Results of the user search request are then provided to the user.