Capital One Services, LLC

Jacques Morel

Raman Bajaj

Sanjiv Yajnik

Dinesh Sundaram

Rajaboopathy Vijayaraghavan

Trent Jones

Jacob Creech

Thomas Sickert

Alan Ilango

Alex Baird

Fredrick Allen Crable

Satish Kesiboyana

Nicky Joshi

Ishu Gupta

Avijit Sarkar

Hala Salim El-Ali

Vikramaditya Repaka

Ajmal Karuthakantakath

Devi Kiran Gonuguntla

Jordan Donais

Raghuram Madiraju

Suresh Navayamkunnil Raghavan

Palak Mathur

Maz Jawed Baig

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.

Jailed environment restricting programmatic access to multi-tenant data

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.

Self-service lender portal

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.

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.

Multi-lender platform that securely stores proprietary information for generating offers

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.

Multi-lender loan application management system

Multi-lender platform that securely stores proprietary information for pre-qualifying an applicant

A multi-lender loan management system is provided herein. The multi-lender management system includes 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.

Multi-lender loan management system

Aspects described herein may allow for the application of dynamically generating APIs using API generator based on database metadata. An API generator may extract metadata associated with store procedures. The API generator may generate a first layer of API that communicates with an enterprise application via a first data format. The API generator may generate a second layer of the API that communicates with a database via a second data format. The API generator may receive a request to invoke a stored procedure in a first data format. In response to receiving the request, the generated API may generate a converted request in the second data format.

Application programming interface generator using database metadata

Growing community of inventors

Colleyville, TX, United States of America

Jacques Morel