Normalization grid for secured multi-lender platform

Patent metadata

Field	Value
Publication number	US-11875308-B2
Application number	US-202117411115-A
Country	US
Kind code	B2
Filing date	Aug 25, 2021
Priority date	May 23, 2019
Publication date	Jan 16, 2024
Grant date	Jan 16, 2024

Abstract

A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.

First claim

What is claimed is:

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.

2. The method of claim 1 , further comprising:
adding another row to the normalization grid corresponding to another rule;
evaluating the data according to a defined sequence of the rule and the another rule; and
generating another output in response to the rule or the another rule being satisfied by a test value and a variable identifier.

3. The method of claim 1 , wherein the rule further comprises another comparison operator and another comparison value, the normalization grid further comprises a column associated with the test variable and the another comparison operator, and the row further comprises the another comparison value in the column associated with the test variable and the another comparison operator.

4. The method of claim 1 , further comprising receiving, based on an interaction with a user interface of an application for evaluating user-related data, the user data.

5. The method of claim 4 , wherein the encrypted rule information indicates a date and time to start implementing the rule.

6. The method of claim 1 , wherein the normalization grid comprises additional rules associated with additional entities and a respective test for each rule of the additional rules.

7. The method of claim 6 , wherein the output of the normalization grid further comprises additional outcome values based on the user data satisfying one or more additional tests of the additional rules, the method further comprising determining that the user data satisfies the test for the rule and the one or more additional tests of the additional rules in parallel.

8. A system of transforming rules into a common format, the system comprising:
a memory;
a processor coupled to the memory and configured to perform operations comprising:
decrypting, 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.

9. The system of claim 8 , wherein the operations further comprise:
adding another row to the normalization grid corresponding to another rule;
evaluating the data according to a defined sequence of the rule and the another rule; and
generating another output in response to the rule or the another rule being satisfied by a test value and a variable identifier.

10. The system of claim 8 , wherein the rule further comprises another comparison operator and another comparison value, the normalization grid further comprises a column associated with the test variable and the another comparison operator, and the row further comprises the another comparison value in the column associated with the test variable and the another comparison operator.

11. The system of claim 8 , the operations further comprising receiving, based on an interaction with a user interface of an application for evaluating user-related data, the user data.

12. The system of claim 11 , wherein the encrypted rule information indicates a date and time to start implementing the rule.

13. The system of claim 8 , wherein the normalization grid comprises additional rules associated with additional entities and a respective test for each rule of the additional rules.

14. The system of claim 13 , wherein the output of the normalization grid further comprises additional outcome values based on the user data satisfying one or more additional tests of the additional rules, the operations further comprising determining that the user data satisfies the test for the rule and the one or more additional tests of the additional rules in parallel.

15. A non-transitory computer-readable medium having instructions stored thereon that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:
decrypting, 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 comp

Assignees

• Capital One Services Llc

Inventors

• Sundaram Dinesh
• El-Ali Hala Salim
• Ge Katelyn
• Ilango Alan

Classifications

• G06Q40/0305 Primary

  Platforms for credit or lending product research, comparison or matching · CPC title

• H04L63/168

  above the transport layer · CPC title

• H04L63/166

  at the transport layer · CPC title

• H04L63/123

  received data contents, e.g. message integrity · CPC title

• H04L63/102

  Entity profiles · CPC title