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

Claim 0:
1. A method 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 method comprising:
receiving, at a server of the backend platform and via a client application 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;
applying, at the server and within a jailed and non-accessible environment of the server, one or more rule sets of each provider that prequalified the applicant to process and build, in parallel, the purchase offer, wherein each of the one or more rule sets is associated with a respective provider of the plurality of providers and is 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 wherein the one or more rule sets are securely stored in a lender confidential data repository of the jailed and non-accessible environment, such that each of the one or more rule sets is inaccessible by providers of other one or more rule sets, and wherein the purchase offer is based on 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;
generating the purchase offer for each provider that prequalified the applicant based on application of the information associated with the request for building the purchase offer, the information associated with the product, the information associated with the applicant, and the information associated with pricing for each of the respective providers to micro-services of each provider implementing the one or more rule sets; and
transmitting, for display on a graphical user interface (GUI) of the client device, the purchase offer for each provider that prequalified the applicant via the client application on the client device.