Patent ID: 11935003
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 19:
20. A non-transitory computer readable medium storing instructions that when executed by one or more processors of a device cause the one or more processors to:
receive, at a server, through a graphical user interface (GUI), applicant information with respect to an application for applicant financing for a product with at least one lender, along with a request for prequalification, where said applicant information and the request for prequalification are encrypted upon receipt, or encrypted at a predetermined later time, in a universal non-lender-specific format;
receiving, at the server, through another application user interface, one or more rule sets or executable logic for prequalifying an applicant from the at least one lender, which is encrypted upon receipt, or encrypted at the predetermined later time for each such lender, with a lender-specific key;
decrypting autonomously, inside of a jailed and self-contained environment comprising a vault within the server, the rule sets or executable logic and applicant information, by at least one lender-specific broker for the at least one lender, wherein each one of the at least one lender-specific brokers corresponds to a particular lender of the at least one lender;
applying the one or more rule sets or executable logic to the applicant information to assess applicant prequalification for each lender of the at least one lender, to assess product eligibility for an applicant in lending from the at least one lender to purchase a particular product, and to further, if the applicant is found to prequalify for a lender and the product is eligible under a product eligibility process, assess pricing information in determining the terms for a loan offer;
generating encrypted outputs autonomously in a lender-agnostic format by the at least one lender-specific broker within the jailed and self-contained environment based on the assessments by compiling the assessments into a universally encrypted lender-agnostic composite payload; and
transmitting said encrypted outputs to an application protocol interface, sending the encrypted outputs onwards toward a user-facing application with segregated user sessions, and decrypt the outputs only in a particular user session, on the GUI, of said application, such that the contents of the decrypted outputs are only visible to a particular user
wherein the vault is encrypted by the lender-specific key such that an administrator of the server cannot view its components.