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

Patent metadata

Field	Value
Publication number	US-12190288-B2
Application number	US-202318196598-A
Country	US
Kind code	B2
Filing date	May 12, 2023
Priority date	Dec 18, 2015
Publication date	Jan 7, 2025
Grant date	Jan 7, 2025

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 a transaction proposal, comprising:
at least one memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
receiving the transaction proposal from a user device;
generating a minimally viable transaction (MVT) by modifying one or more parameters of the transaction proposal according to a scoring model and a transaction policy;
generating a plurality of transaction options by identifying variations between the one or more parameters of the transaction proposal and the MVT;
generating a plurality of transaction offers based on the transaction proposal, the MVT, and the plurality of transaction options;
generating a user interface comprising the plurality of transaction offers, wherein the user interface is configured to receive user input within a respective first value range for each of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT; and
outputting the user interface to the user device.

2. The system of claim 1 , wherein the operations further comprise:
optimizing the plurality of transaction options based on a preference.

3. The system of claim 1 , wherein the transaction proposal is a vehicle loan application, and each of the plurality of transaction offers is a respective vehicle loan offer.

4. The system of claim 1 , wherein the scoring model comprises a structure risk model or an applicant risk model.

5. The system of claim 1 , wherein the operations further comprise:
generating a MVT score based on the MVT; and
determining whether the MVT score complies with the transaction policy.

6. The system of claim 1 , wherein the operations further comprise:
determining, for each of the plurality of transaction options, whether a respective transaction option complies with the transaction policy based on its respective transaction option score.

7. The system of claim 1 , wherein the operations further comprise:
receiving, via the user interface, user input that changes a first parameter of the one or more parameters of the transaction proposal; and
in response to receiving the user input that changes the first parameter of the one or more parameters of the transaction proposal, updating the user interface to receive user input within a respective second value range for a second parameter of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT.

8. A computer-implemented method for reducing computational loads associated with processing a transaction proposal, comprising:
receiving the transaction proposal from a user device;
generating a minimally viable transaction (MVT) by modifying one or more parameters of the transaction proposal according to a scoring model and a transaction policy;
generating a plurality of transaction options by identifying variations between the one or more parameters of the transaction proposal and the MVT;
generating a plurality of transaction offers based on the transaction proposal, the MVT, and the plurality of transaction options;
generating a user interface comprising the plurality of transaction offers, wherein the user interface is configured to receive user input within a respective value range for each of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT; and
outputting the user interface to the user device.

9. The computer-implemented method of claim 8 , further comprising:
optimizing the plurality of transaction options based on a preference.

10. The computer-implemented method of claim 8 , wherein the transaction proposal is a vehicle loan application, and each of the plurality of transaction offers is a respective vehicle loan offer.

11. The computer-implemented method of claim 8 , wherein the scoring model comprises a structure risk model or an applicant risk model.

12. The computer-implemented method of claim 8 , further comprising:
generating a MVT score based on the MVT; and
determining whether the MVT score complies with the transaction policy.

13. The computer-implemented method of claim 8 , further comprising:
determining, for each of the plurality of transaction options, whether a respective transaction option complies with the transaction policy based on its respective transaction option score.

14. The computer-implemented method of claim 8 , further comprising:
receiving, via the user interface, user input that changes a first parameter of the one or more parameters of the transaction proposal; and
in response to receiving the user input that changes the first parameter of the one or more parameters of the transaction proposal, updating the user interface to receive user input within a respective second value range for a second parameter of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT.

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:
receiving a transaction proposal from a user device;
generating a minimally viable transaction (MVT) by modifying one or more parameters of the transaction proposal according to a scoring model and a transaction policy;
generating a plurality of transaction options by identifying variations between the one or more parameters of the transaction proposal and the MVT;
generating a plurality of transaction offers based on the transaction proposal, the MVT, and the plurality of transaction options;
generating a user interface comprising the plurality of transaction offers, wherein the user interface is configured to receive user input within a respective value range for each of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT; and
outputting the user interface to the user device.

16. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
optimizing the plurality of transaction options based on a preference.

17. The non-transitory computer-readable medium of claim 15 , wherein the transaction proposal is a vehicle loan application, and each of the plurality of transaction offers is a respective vehicle loan offer.

18. The non-transitory computer-readable medium of claim 15 , wherein the scoring model comprises a structure risk model or an applicant risk model.

19. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
generating a MVT score based on the MVT; and
determining whether the MVT score complies with the transaction policy.

20. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
receiving, via the user interface, user input that changes a first parameter of the one or more parameters of the transaction proposal; and
in response to receiving the user input that changes the first parameter of the one or more parameters of the transaction proposal, updating the user interface to receive user input within a respective second value range for a second parameter of the one or more parameters of the transaction proposal based on the transaction proposal and the MVT.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06N5/045

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

• G06Q40/03

  Credit; Loans; Processing thereof · 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

• G06Q10/087 Primary

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