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.

Date of Patent:
Mar. 19, 2024

Filed:

May. 22, 2020
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Dinesh Sundaram, Plano, TX (US);

Raman Bajaj, Frisco, TX (US);

Jacques Morel, Colleyville, TX (US);

Sanjiv Yajnik, Dallas, TX (US);

Trent Jones, Mckinney, TX (US);

Alan Ilango, Mckinney, TX (US);

Jacob Creech, Mckinney, TX (US);

Avijit Sarkar, Mckinney, TX (US);

Rajaboopathy Vijayaraghavan, Carrollton, TX (US);

Ishu Gupta, Mckinney, TX (US);

Thomas Sickert, Plano, TX (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/03 (2023.01); G06F 9/445 (2018.01); G06F 9/54 (2006.01); G06F 16/25 (2019.01); G06F 16/955 (2019.01); G06F 18/24 (2023.01); G06F 21/53 (2013.01); G06F 21/60 (2013.01); G06F 21/62 (2013.01); G06F 40/103 (2020.01); G06F 40/174 (2020.01); G06F 40/18 (2020.01); G06N 3/02 (2006.01); G06N 5/025 (2023.01); G06N 20/00 (2019.01); G06Q 10/10 (2023.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/018 (2023.01); G06Q 30/0201 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/02 (2023.01); H04L 9/08 (2006.01); H04L 9/40 (2022.01); H04L 67/01 (2022.01); 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

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.


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