US 12,323,408 B2
Unified lending platform
Rajesh K. Shah, Parsippany, NJ (US); Arif Sufi, Harrison, NJ (US); Balamurugan Muthu, Phoenix, AZ (US); Sudip Mukhopadhyay, Jamaica, NY (US); Deepak Nayak, Dayton, NJ (US); Michael S. Ruttledge, East Greenwich, RI (US); Dhiraj Rattan, Gilbert, AZ (US); James W. Mitcheson, West Bridgewater, MA (US); Nageshwara Rao Chirravuri, Chandler, AZ (US); Krishna Mopati, Cave Creek, AZ (US); Williard D. Stackpole, Tolland, CT (US); Kyle R. Berglund, Franklin, TN (US); Matthew Eble Darlage, Pittsburgh, PA (US); Chris Benz, Seville, OH (US); Christopher D. Elomaa, Coventry, RI (US); Brendan Coughlin, Needham, MA (US); Eric Schuppenhauer, Southland, TX (US); Christine Roberts, Wayland, MA (US); Ryan Pearson, Cumberland, RI (US); Jeffrey M. Mayerson, Addison, TX (US); and Christopher C. Ebeling, Westwood, MA (US)
Assigned to CITIZENS FINANCIAL GROUP, INC., Providence, RI (US)
Filed by Citizens Financial Group, Inc., Providence, RI (US)
Filed on Sep. 20, 2023, as Appl. No. 18/471,084.
Application 18/471,084 is a continuation of application No. 18/348,631, filed on Jul. 7, 2023, granted, now 11,818,115.
Claims priority of provisional application 63/423,652, filed on Nov. 8, 2022.
Claims priority of provisional application 63/423,530, filed on Nov. 8, 2022.
Claims priority of provisional application 63/422,180, filed on Nov. 3, 2022.
Claims priority of provisional application 63/422,029, filed on Nov. 3, 2022.
Claims priority of provisional application 63/421,797, filed on Nov. 2, 2022.
Claims priority of provisional application 63/421,785, filed on Nov. 2, 2022.
Prior Publication US 2024/0146708 A1, May 2, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01)
CPC H04L 63/0815 (2013.01) [G06F 21/6245 (2013.01); H04L 63/20 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A computer program product having a non-transitory computer-readable storage medium storing computer executable code that, when executed by one or more processors, causes the one or more processors to perform operations comprising:
receiving, by an authentication and authorization framework, from a user device, access credentials for proceeding through one or more workflow journeys, the authentication and authorization framework comprising one or more of a plurality of computing devices comprising one or more processors executing computer-readable program instructions;
determining, by the authentication and authorization framework, at least one protocol, standard and format associated with the access credentials;
determining, by the authentication and authorization framework, an authentication of the access credentials based on authentication policy rules stored in one or more memory devices of the unified platform system;
generating, by the authentication and authorization framework, an authentication response, according to the determined at least one protocol, standard and format, based on the authentication policy rules;
transmitting, by the authentication and authorization framework, the authentication response to the user device;
identifying, selecting and obtaining, by a dynamic user interface framework, from one or more memory devices, configuration and properties data associated with the user device, the dynamic user interface framework comprising one or more of the plurality of computing devices executing computer-readable program instructions;
generating, by the dynamic user interface framework, at least one web page for the one or more workflow journeys based on the configuration and properties data;
generating, by the dynamic user interface framework, web page metadata for the at least one web page based on the configuration and properties data;
deploying, by the dynamic user interface framework, at least one web page and corresponding web page metadata, the at least one web page being configured specifically for the user device;
determining, by a workflow state management framework, that an initiate state event for the one or more workflow journeys has occurred, the workflow state management framework comprising one or more of the plurality of computing devices executing computer-readable program instructions;
determining, by the workflow state management framework, a next best step from among a plurality of next best steps for the one or more workflow journeys based on metadata associated with the initiate state event and on metadata associated with one or more other events;
initiating, by the workflow state management framework, a flow between two or more states of the one or more workflow journeys based on the determined next best step;
capturing, by a notification and active data loss and prevention (DLP) engine framework, a flow of data associated with the one or more workflow journeys, the notification and active DLP engine framework comprising one or more of the plurality of computing devices executing computer-readable program instructions;
extracting, by the notification and active DLP engine framework, data objects from the captured flow of data;
determining, by the notification and active DLP engine framework, whether the data objects comprise sensitive data;
classifying, by the notification and active DLP engine framework, the data objects based on the determining as to whether the data objects comprise sensitive data;
initiating, by the notification and active DLP engine framework, at least one of an action and control when the data objects are classified as comprising the sensitive data;
translating, by an orchestration engine framework, the flow of data to generate translated data based on a communication protocol, the orchestration engine framework comprising one or more of the plurality of computing devices executing computer-readable program instructions;
obtaining, by the orchestration engine framework, from the one or more memory devices, one or more rules; and
performing, by the orchestration engine framework, one or more micro-service orchestrations based on the translated data and the one or more rules.