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

Claim 12:
13. A non-transitory computer readable medium storing instructions 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, that when executed by one or more processors of a device of the backend platform cause the one or more processors to:
receive, using an application programming interface (API) operating on the device 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 operating within a jailed and non-accessible environment on the device for each provider that prequalified the applicant;
access, using the micro-service, a lender confidential data repository of the jailed and non-accessible environment on the device 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, using the micro-service, the purchase offer for each provider 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 to the respective rule set of each provider;
encrypt, using the micro-service, the purchase offer for each provider;
decrypt, using the API, the purchase offer for each provider; and
transmit, using the API, the decrypted purchase offer for each provider to the client application executing on the client device.