Capital One Services, LLC

Kurt Wolf

Sang Jin Park

Jason Richard Hoover

Raman Bajaj

Gurmeet Singh

Patrick Eberle

Adam Zedler

Warren Ellison

Jacky Huang Zheng Kwok

Cheng Jiang

Ruoyo Shao

Ruoyu Shao

John Lujano

Heng Gu

Jacky Kwok

Disclosed are systems and methods for consolidating credit profiles for co-applicants of a joint loan application. For example, a method may include: obtaining a first model score associated with the first applicant; receiving an address of the first applicant; obtaining a second model score associated with the second applicant; receiving an address of the second applicant; determining that the address of the first applicant and the address of the second applicant are the same; aggregating the first model score and the second model score to generate a joint model score for the first and second applicants based on the determination that the address of the first applicant and the address of the second applicant are the same; and generating the joint application for the first and second applicants at least based on the joint model score.

Methods and systems for consolidating profiles for joint application determination

Systems and methods for determining relative importance of one or more variables in a non-parametric model include: receiving, raw values of the variables corresponding to one or more entities; processing the raw values using a statistical model to obtain probability values for the variables and an overall prediction value for each entity; determining a plurality of cumulative distributions for the variables based on the raw values and the number of entities having a specific raw value; grouping the variables into a plurality of equally sized buckets based on the cumulative distributions; determining a mean probability value for each bucket; assigning a rank number for each bucket based on the mean probability values; compiling a table for the entities based on the raw values and the buckets corresponding to the raw values; and determining the relative importance of the variables for the entities based on the rank numbers.

Systems and methods for determining relative importance of one or more variables in a nonparametric machine learning model

A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

Vehicle purchasing tools

Systems and methods for determining relative importance of one or more variables in a non-parametric machine learning model

Growing community of inventors

Frisco, TX, United States of America

Kurt Wolf