The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 16, 2024
Filed:
Aug. 25, 2021
Applicant:
Capital One Services, Llc, McLean, VA (US);
Inventors:
Dinesh Sundaram, Plano, TX (US);
Hala Salim El-Ali, Murphy, TX (US);
Katelyn Ge, Frisco, TX (US);
Alan Ilango, Mckinney, TX (US);
Assignee:
Capital One Services, LLC, McLean, VA (US);
Primary Examiner:
Int. Cl.
CPC ...
G06Q 10/10 (2023.01); G06Q 30/0201 (2023.01); G06F 16/955 (2019.01); H04L 9/40 (2022.01); G06N 20/00 (2019.01); G06F 9/54 (2006.01); G06F 21/60 (2013.01); G06N 3/02 (2006.01); G06F 9/445 (2018.01); G06F 16/25 (2019.01); G06F 21/62 (2013.01); H04L 9/08 (2006.01); G06Q 20/40 (2012.01); G06Q 30/018 (2023.01); G06Q 30/0601 (2023.01); G06F 40/103 (2020.01); G06F 40/174 (2020.01); G06F 40/18 (2020.01); G06Q 40/02 (2023.01); G06F 21/53 (2013.01); G06N 5/025 (2023.01); G06Q 20/38 (2012.01); H04L 67/01 (2022.01); G06F 18/24 (2023.01); G06Q 40/03 (2023.01); G06F 8/65 (2018.01); G06F 8/71 (2018.01); G06K 7/14 (2006.01); G06Q 50/26 (2012.01);
U.S. Cl.
CPC ...
G06Q 10/10 (2013.01); G06F 9/44505 (2013.01); G06F 9/54 (2013.01); G06F 9/547 (2013.01); G06F 16/258 (2019.01); G06F 16/9558 (2019.01); G06F 16/9562 (2019.01); G06F 18/24 (2023.01); G06F 21/53 (2013.01); G06F 21/602 (2013.01); G06F 21/604 (2013.01); G06F 21/6227 (2013.01); G06F 21/6245 (2013.01); G06F 40/103 (2020.01); G06F 40/174 (2020.01); G06F 40/18 (2020.01); G06N 3/02 (2013.01); G06N 5/025 (2013.01); G06N 20/00 (2019.01); G06Q 20/382 (2013.01); G06Q 20/4014 (2013.01); G06Q 30/0185 (2013.01); G06Q 30/0206 (2013.01); G06Q 30/0601 (2013.01); G06Q 30/0613 (2013.01); G06Q 30/0619 (2013.01); G06Q 30/0637 (2013.01); G06Q 30/0643 (2013.01); G06Q 40/02 (2013.01); G06Q 40/03 (2023.01); H04L 9/0825 (2013.01); H04L 63/0435 (2013.01); H04L 63/08 (2013.01); H04L 63/0815 (2013.01); H04L 63/102 (2013.01); H04L 63/123 (2013.01); H04L 63/166 (2013.01); H04L 63/168 (2013.01); H04L 67/01 (2022.05); G06F 8/65 (2013.01); G06F 8/71 (2013.01); G06F 2221/2107 (2013.01); G06K 7/1417 (2013.01); G06Q 50/265 (2013.01); G06Q 2220/00 (2013.01); H04L 9/0822 (2013.01);
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.