Capital One Services, LLC

Raman Bajaj

Sanjiv Yajnik

Gopi Kancharla

Praveen Tandra

Parvesh Kumar

Gurmeet Singh

Jason Richard Hoover

Vikramaditya Repaka

Dinesh Sundaram

Rajaboopathy Vijayaraghavan

Nicholas Dolle

Jacques Morel

Ajmal Karuthakantakath

Arjun Dugal

Chandra Dhandapani

Micah Price

Qiaochu Tang

Geoffrey Wayne Dagley

Stephen Michael Wylie

Sunil Subrahmanyam Vasisht

Fredrick Allen Crable

Jacob Creech

Trent Jones

Thomas Sickert

Alex Baird

Alan Ilango

Janardhan Deepak Prabhakara

James Land

Anurag Andoji

Hanzhang Zheng

Susmitha Gangarapu

Patrick Eberle

Adam Zedler

Kurt Wolf

Mahesh Senniappan

Avijit Sarkar

Ishu Gupta

Warren Ellison

Hala Salim El-Ali

Sean Reddy

Haranatha Ijjurouthu

Fred Crable

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

Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

Cloud infrastructure for isolation and run-time behavioral tuning through configuration externalization

Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.

Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

An ad simulator having at least in-browser simulation capabilities is provided. In examples, the ad simulator may be a web browser extension, which a media developer, designer, etc. may use for ad display simulation. The browser extension may locate existing display ads on a webpage, one or more of which can be selected to be replaced with a new ad. A HyperText Transfer Protocol (HTTP) request may be made to an ad template rendering engine that returns a HyperText Markup Language (HTML) of a new ad personalized and targeted to a customer. The browser extension may then replace the existing ad with the new ad.

Ad simulator browser extension

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

A set of computing nodes may receive a corresponding set of heartbeat messages that originated at the set of computing nodes. The set of heartbeat messages may relate to selecting, among the set of computing nodes, a leader computing node to process a set of jobs. State information included in the heartbeat messages may be provided to a leader election algorithm that outputs information indicating one or more computing nodes that are most qualified to process the set of jobs based on processing capabilities of the computing nodes and processing constraints associated with the set of jobs. The computing node may select itself as the leader computing node to process the set of jobs based on determining, from the information output by the leader election algorithm, that the computing node is most qualified to process the set of jobs and no other computing nodes are processing the set of jobs.

Computing node job assignment using multiple schedulers

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

A campaign server is disclosed which includes a multi-level queue architecture that isolates campaign processing from the delays and inconsistencies of target population information retrieval and a data streaming service system with latency and error remediation measures are disclosed, where the campaign server and the data consumption system can be part of a consolidated system. The data consumption system may include various components to process one or more offers to one or more customers and component configured to detect an error associated the preparation of the errors and/or ii) initiate a retry attempt to process the one or more offers, and/or storing an instruction in a storage component of the streaming data system to permanently prohibit an attempt to generate the one or more offers at a subsequent time if the retry attempt expires without processing the one or more offers.

System and method for minimizing latency in data consumption system

Growing community of inventors

Frisco, TX, United States of America

Raman Bajaj