US 11,694,156 B2
Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing
Chandra Dhandapani, Dallas, TX (US); Raman Bajaj, Frisco, TX (US); Gurmeet Singh, Irving, TX (US); Ajmal Karuthakantakath, Flower Mound, TX (US); Fredrick Crable, Allen, TX (US); Nicholas Dolle, McKinney, TX (US); Vikramaditya Repaka, Allen, TX (US); and Sanjiv Yajnik, Dallas, TX (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 28, 2020, as Appl. No. 17/135,900.
Application 17/135,900 is a continuation of application No. 16/192,167, filed on Nov. 15, 2018, granted, now 10,878,375.
Application 16/192,167 is a continuation of application No. 15/955,210, filed on Apr. 17, 2018, granted, now 10,163,072.
Application 15/955,210 is a continuation of application No. 15/709,231, filed on Sep. 19, 2017, granted, now 9,978,038, issued on May 22, 2018.
Application 15/709,231 is a continuation of application No. 15/381,906, filed on Dec. 16, 2016, granted, now 9,965,741, issued on May 8, 2018.
Claims priority of provisional application 62/269,529, filed on Dec. 18, 2015.
Prior Publication US 2021/0192437 A1, Jun. 24, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 10/087 (2023.01); G06F 30/20 (2020.01); G06Q 40/03 (2023.01); G06N 5/045 (2023.01); G06N 20/00 (2019.01)
CPC G06Q 10/087 (2013.01) [G06F 30/20 (2020.01); G06N 5/045 (2013.01); G06Q 40/03 (2023.01); G06N 20/00 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A system for reducing computational loads associated with processing transaction proposals, comprising:
at least one memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
receiving, via one of an Application Programming Interface (API) or an online portal, a transaction proposal from a user device;
identifying a plurality of data sources based on the transaction proposal;
receiving, via a data interface, data from at least one of the plurality of data sources;
generating, based on the transaction proposal, a minimally viable transaction (MVT) that comprises a combination of transaction parameters acceptable according to a policy;
determining, based on the MVT, a plurality of transaction offers, each of the plurality of transaction offers differing from the MVT and from each other and being acceptable according to the policy; and
transmitting to the user device:
an indication of whether the transaction proposal is approved; and
at least one of the plurality of transaction offers as an alternative to the transaction proposal.