Patent ID: 11869075
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. At least one non-transitory computer-readable medium comprising a set of instructions that, in response to being executed via a processing unit of a computing device, cause the computing device to:
access a machine learning model trained to determine at least one verification service provider based on user profile information associated with a user, wherein the at least one service provider is optimized for background verification of the user with a financial services platform based on the user profile information;
receive at least one onboarding request from at least one user device to register at least one user with the financial services platform requiring background verification, the at least one onboarding request comprising user profile information associated with the at least one user;
determine at least one verification service provider via the machine learning model based on the user profile information in the at least one onboarding request, the at least one verification service provider optimized to verify the at least one user based on at least one financial characteristic associated with the user;
provide the at least one onboarding request to an edge orchestration layer operative to delegate the at least one onboarding request to a services exchange for accessing the at least one verification service provider;
determine the onboarding request result using the at least one verification service provider; and
transmit an eligible set of a plurality of service options for presentation on the user device based on the onboarding request result.