US 11,875,308 B2
Normalization grid for secured multi-lender platform
Dinesh Sundaram, Plano, TX (US); Hala Salim El-Ali, Murphy, TX (US); Katelyn Ge, Frisco, TX (US); and Alan Ilango, Mckinney, TX (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 25, 2021, as Appl. No. 17/411,115.
Application 17/411,115 is a continuation of application No. 16/881,918, filed on May 22, 2020, granted, now 11,138,621.
Claims priority of provisional application 62/852,202, filed on May 23, 2019.
Prior Publication US 2022/0027932 A1, Jan. 27, 2022
Int. Cl. 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)
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)] 20 Claims
OG exemplary drawing
 
1. A method of transforming rules into a common format, the method comprising:
decrypting, by a computing device, based on an encryption key associated with an entity, encrypted rule information determined by the entity;
identifying, based on the decrypted rule information, a test for a rule, an outcome variable, and an outcome value for the rule, wherein the rule indicates that the outcome value is dependent on satisfaction of the test;
transforming the rule into a normalization grid by:
splitting the test into a test variable, a comparison operator, and a comparison value;
generating a column comprising the test variable and the comparison operator in a header row;
generating a row corresponding to the rule, the row comprising the comparison value in the column corresponding to the test variable and the comparison operator; and
generating a column comprising the outcome variable in the header row, wherein the row further comprises the outcome value in the column corresponding to the outcome variable;
generating, based on user data received from a user device with a request for a transaction, an output of the normalization grid comprising the outcome value in response to the user data satisfying the test based on the test variable, the comparison operator, and the comparison value in the normalization grid; and
sending to the user device, based on the output of the normalization grid, an indication that the transaction is authorized or denied.