Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

Patent metadata

Field	Value
Publication number	US-11694156-B2
Application number	US-202017135900-A
Country	US
Kind code	B2
Filing date	Dec 28, 2020
Priority date	Dec 18, 2015
Publication date	Jul 4, 2023
Grant date	Jul 4, 2023

Abstract

Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.

First claim

What is claimed is:

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.

2. The system of claim 1 , wherein:
the indication of whether the transaction proposal is approved comprises an approval indication;
the transaction proposal is associated with a purchase of a first item; and
the transmitted transaction offer is associated with a purchase of a second item different than the first item.

3. The system of claim 1 , wherein:
the indication of whether the transaction proposal is approved comprises a disapproval indication;
the transaction proposal is associated with a purchase of a first item; and
the transmitted transaction offer relates to a proposed purchase of a second item different from the first item.

4. The system of claim 1 , wherein:
the indication of whether the transaction proposal is approved comprises an approval indication;
the transaction proposal is associated with a purchase of an item; and
the transmitted transaction offer is associated with a proposed purchase of the item.

5. The system of claim 1 , wherein:
the indication of whether the transaction proposal is approved comprises a disapproval indication;
the transaction proposal is associated with a purchase of an item; and
the transmitted transaction offer is associated with a proposed purchase of the item.

6. The system of claim 1 , wherein the operations further comprise providing, to the user device, a graphical user interface for displaying the transmitted transaction offer.

7. The system of claim 6 , wherein the graphical user interface is configured to display information indicating at least one difference between the transaction proposal and the transmitted transaction offer.

8. The system of claim 6 , wherein:
the transmitted transaction offer comprises a first transmitted transaction offer;
the operations comprise transmitting a second transaction offer; and
the graphical user interface is configured to display information indicating a difference between the first and second transmitted transaction offers.

9. The system of claim 1 , wherein:
the determination of a first one of the plurality of transactions offers is further based on a preference of at least one of a customer or a merchant associated with the transaction proposal.

10. The system of claim 1 , wherein the operations further comprise ranking the plurality of transaction offers.

11. The system of claim 10 , wherein ranking the plurality of transaction offers comprises ranking the plurality of transaction offers based on a preference of at least one of a customer or a merchant associated with the transaction proposal.

12. The system of claim 10 , wherein the operations further comprise:
determining, among the plurality of transaction offers, a predetermined number of top-ranked transaction options; and
transmitting the top-ranked transaction options to the user device.

13. The system of claim 1 , wherein the operations further comprise providing, to the user device, a graphical user interface for displaying a transaction parameter of a first one of the plurality of transaction offers.

14. The system of claim 13 , wherein the operations further comprise receiving, via the graphical user interface, an update of a value of the transaction parameter.

15. The system of claim 14 , wherein the operations further comprise determining, based on the MVT and the updated value of the transaction parameter, a second one of the plurality of transaction offers acceptable according to the policy, the second one of the plurality of transaction offers being different from the first one of the plurality of transaction offers.

16. The system of claim 14 , wherein:
the graphical user interface comprises an adjustable slider bar associated with the transaction parameter; and
receiving the updated value of the transaction parameter comprises receiving the updated value of the transaction parameter based on adjustment of the slider bar.

17. The system of claim 14 , wherein:
the transaction parameter comprises a first transaction parameter; and the operations further comprise:
updating, based on the updated value of the first transaction parameter, a value of a second transaction parameter of the first one of the plurality of transaction offers; and
causing the graphical user interface to display the updated value of the second transaction parameter.

18. 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
causing a graphical user interface of the user device to display at least one of the plurality of transaction offers as an alternative to the transaction proposal.

19. The system of claim 18 , wherein the operations further comprise:
causing the graphical user interface to display first and second transaction parameters of the at least one of the plurality of transaction offers, the first transaction parameter being different from the second transaction parameter;
receiving, via the graphical user interface, an updated value of the first transaction parameter;
updating, based on the updated value of the first transaction parameter, a value of the second transaction parameter; and
causing the graphical user interface to display the updated value of the second transaction parameter.

20. 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 prop

Assignees

• Capital One Services Llc

Inventors

• Dhandapani Chandra
• Bajaj Raman
• Singh Gurmeet
• Karuthakantakath Ajmal
• Crable Fredrick
• Dolle Nicholas
• Repaka Vikramaditya
• Yajnik Sanjiv

Classifications

• G06Q10/087 Primary

  Inventory or stock management, e.g. order filling, procurement or balancing against orders · CPC title

• G06N5/045

  Explanation of inference; Explainable artificial intelligence [XAI]; Interpretable artificial intelligence · CPC title

• G06F30/20

  Design optimisation, verification or simulation (optimisation, verification or simulation of circuit designs G06F30/30) · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title