Capital One Services, LLC

Thomas Sickert

Rajaboopathy Vijayaraghavan

Raman Bajaj

Sanjiv Yajnik

Dinesh Sundaram

Jacob Creech

Trent Jones

Jacques Morel

Alan Ilango

Satish Kesiboyana

Nithya Subramanian

Alex Baird

Avijit Sarkar

Ishu Gupta

Hala Salim El-Ali

Vikramaditya Repaka

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

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.

Intelligent preprocessing routing to decisioning services

A device may receive a target document. The device may segment the target document into multiple segments. The device may determine, for each segment of the multiple segments, a set of color parameters for a corresponding set of pixels included in that segment. The device may determine, for each segment of the multiple segments, an average color parameter for that segment based on the set of color parameters for the corresponding set of pixels included in that segment. The device may generate a target color profile for the target document based on determining the average color parameter for each segment. The device may compare the target color profile and a model color profile associated with classifying the target document. The device may classify the target document based on comparing the target color profile and the model color profile.

Image classification using color profiles

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

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

Growing community of inventors

Plano, TX, United States of America

Thomas Sickert