US 11,869,075 B2
Techniques for onboarding and verification of users to a services platform
Jeremy Phillips, Brooklyn, NY (US); and Elizabeth Epstein, Arlington, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jul. 28, 2022, as Appl. No. 17/875,760.
Application 17/875,760 is a continuation of application No. 16/872,630, filed on May 12, 2020, granted, now 11,436,669.
Prior Publication US 2022/0366489 A1, Nov. 17, 2022
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/40 (2012.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/04 (2013.01); G06Q 20/10 (2013.01); G06Q 20/401 (2013.01)] 17 Claims
OG exemplary drawing
 
1. An apparatus, comprising:
at least one processor; and
a storage device in communication with the at least one processor, the storage device storing instructions that, when executed by the at least one processor, cause the at least one processor to:
access a machine learning model trained to determine at least one verification service provider based on user profile information associated with a user, wherein the at least one service provider is optimized for background verification of the user with a financial services platform based on the user profile information,
receive at least one onboarding request from at least one user device to register at least one user with the financial services platform requiring background verification, the at least one onboarding request comprising user profile information associated with the at least one user,
determine at least one verification service provider via the machine learning model based on the user profile information in the at least one onboarding request, the at least one verification service provider optimized to verify the at least one user based on at least one financial characteristic associated with the user,
provide the at least one onboarding request to an edge orchestration layer operative to delegate the at least one onboarding request to a services exchange for accessing the at least one verification service provider,
determine the onboarding request result using the at least one verification service provider, and
transmit an eligible set of a plurality of service options for presentation on the user device based on the onboarding request result.