US 11,948,128 B2
Intelligent preprocessing routing to decisioning services
Satish Kesiboyana, Plano, TX (US); Rajaboopathy Vijayaraghavan, Carrollton, TX (US); Nithya Subramanian, Plano, TX (US); and Thomas Sickert, Plano, TX (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 8, 2021, as Appl. No. 17/545,003.
Application 17/545,003 is a continuation of application No. 16/882,112, filed on May 22, 2020, granted, now 11,210,687.
Claims priority of provisional application 62/852,202, filed on May 23, 2019.
Prior Publication US 2022/0092691 A1, Mar. 24, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (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); G06Q 40/03 (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)
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 comprising:
encrypting, by one or more computing devices, a plurality of rule sets for prequalifying an applicant to be stored within a lender repository of a jailed environment on a server, wherein a respective rule set of the plurality of rule sets is output from each trained machine-learning model of a plurality of trained machine-learning models, wherein each trained machine-learning model of the plurality of trained machine-learning models is trained to generate rules for a respective lender of a plurality of lenders, wherein, based on the jailed environment, the respective rule set output by each trained machine-learning model of the plurality of trained machine-learning models is accessible to only the respective lender;
receiving a request to generate a prequalification result for a product based on applicant information;
for each lender of the plurality of lenders and responsive to the request to generate the prequalification result for the product based on the applicant information:
decrypting, within the jailed environment and based on a respective lender-specific key, the respective rule set,
generating, in parallel within the jailed environment, based on the respective rule set and the applicant information, a respective prequalification result, and
causing a client device to display an indication of the respective prequalification result.