US 11,720,948 B2
Systems and methods for post-acquisition assessment matching
Anthony Reynolds, Richmond, VA (US); Amitav Parida, Arlington Heights, IL (US); Daniel Kelly, Chicago, IL (US); and Jason Samuels, Ladera Ranch, CA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 13, 2020, as Appl. No. 17/97,747.
Prior Publication US 2022/0156816 A1, May 19, 2022
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0601 (2023.01); G06Q 30/0283 (2023.01)
CPC G06Q 30/0629 (2013.01) [G06Q 30/0283 (2013.01); G06Q 30/0635 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for post-acquisition assessment matching, comprising:
receiving, via one or more processors, a funding request regarding settlement of a completed interaction involving an item acquired for a first assessment, the request received from a provider of the item and including interaction information associated with the completed interaction, the interaction information including an amount of the first assessment;
in response to receiving the interaction information:
determining, based on the amount of the first assessment received with the interaction information, an item identifier for the item;
transmitting, via the one or more processors, at least a portion of the interaction information to an Application Programming Interface (API) configured to determine whether the item is available for a second assessment based on the item identifier;
in response to receiving, via the one or more processors and from the API, an indication that the item is available for the second assessment, comparing, via the one or more processors, the first assessment with the second assessment; and
in response to determining that the first assessment is higher than the second assessment based on the comparison:
adjusting, via the one or more processors, the first assessment based on the second assessment;
determining, via the one or more processors, a finalized amount for the completed interaction based on the adjusted first assessment for the item; and
causing, via the one or more processors, a settlement of the completed interaction based on the finalized amount to be transferred to the provider.