Patent ID: 11935002
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 6:
7. A system for securely storing proprietary information and generating offers for an applicant to purchase a good using a multi-lender architecture, the multi-lender architecture comprising a backend platform for implementing the multi-lender architecture, the system comprising:
a host server of the backend platform having a processor communicatively coupled to a memory, the processor to perform operations comprising:
receive, using an application programming interface (API) operating on a server and via a client application executing on a client device, a request comprising encrypted applicant information for building a purchase offer for a product from each provider of a plurality of providers that prequalified the applicant to purchase the product;
generate, using the API, a call to a micro-service for each provider that prequalified the applicant, wherein the micro-service for each provider is located within a jailed and non- accessible environment of the host server;
access, using the micro-service, a lender confidential data repository within the jailed and non-accessible environment to retrieve respective rule sets for each provider that prequalified the applicant, each respective rule set defining criteria of a respective provider for generating the purchase offer, wherein the respective rule sets are uploaded to the jailed and non-accessible environment via a portal by the respective provider as commands, which are translated into machine-level code by an interface application within the portal by choosing a type of criteria from drop-down lists and combining them with Boolean operators, and securely stored in the lender confidential data repository such that each of the respective rule sets is inaccessible to providers of other respective rule sets;
apply, using the micro-service, the respective rule set of each provider to process and build, in parallel, the purchase offer from each provider;
generate the purchase offer for each provider that prequalified the applicant based on application of information associated with the request for building the purchase offer, information associated with the product, information associated with the applicant, and information associated with pricing for each of the respective providers to the respective rule set of each provider; and
transmit, for display on a graphical user interface (GUI) of the client device, the purchase offer for each provider via the client application.