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US20200372531A1 - System and method for providing consistent pricing information - Google Patents

System and method for providing consistent pricing information Download PDF

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Publication number
US20200372531A1
US20200372531A1 US16/882,279 US202016882279A US2020372531A1 US 20200372531 A1 US20200372531 A1 US 20200372531A1 US 202016882279 A US202016882279 A US 202016882279A US 2020372531 A1 US2020372531 A1 US 2020372531A1
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US
United States
Prior art keywords
prequalification
pricing
user
request
result
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US16/882,279
Inventor
Satish Kesiboyana
Pedro Betancourt
Suresh Pandey
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Capital One Services LLC
Original Assignee
Capital One Services LLC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Capital One Services LLC filed Critical Capital One Services LLC
Priority to US16/882,279 priority Critical patent/US20200372531A1/en
Assigned to CAPITAL ONE SERVICES, LLC reassignment CAPITAL ONE SERVICES, LLC ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: KESIBOYANA, SATISH, PANDEY, SURESH, BETANCOURT, PEDRO
Publication of US20200372531A1 publication Critical patent/US20200372531A1/en
Abandoned legal-status Critical Current

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Definitions

  • a user when applying for a loan for financing a vehicle purchase, for example, a user may use online tools to interact with prospective lenders to understand their purchasing power before or during a vehicle search. The user may also interact with the lender again at a later time or through a different channel as part of the vehicle purchase process, for example.
  • Lenders may apply different methodologies for generating pricing structures depending on a timing of a loan inquiry or the channel through which the inquiry is received. This may lead to a user receiving different pricing structures for a loan depending on when and how they interact with the lender, which may cause inconsistent results and uncertainty and may cause the user to attempt to reprocess their loan application. By doing so, the conventional systems may have to re-process the same information multiple times, causing operational inefficiencies and re-execution of computationally expensive operations.
  • FIG. 1 is a block diagram of an example network environment according to an exemplary embodiment.
  • FIG. 2 is a block diagram of an example architecture according to an embodiment.
  • FIG. 3 is a block diagram illustrating an expanded view of example micro-services in accordance to an embodiment.
  • FIG. 4 is a flowchart illustrating the process of obtaining consistent pricing information in accordance to an example embodiment.
  • FIG. 5 is a flowchart illustrating the process of obtaining consistent pricing information in accordance to an example embodiment.
  • FIG. 6 is a block diagram of example components of a computing system according to an embodiment.
  • a user may intend to purchase a product from a seller, which may require acquiring a loan.
  • the user may submit an initial prequalification request, for getting prequalified for a loan for purchasing a product, using a user device.
  • the system may receive the initial prequalification request.
  • the system may identify that the user transmitted the prequalification request from a first channel, e.g., an application executing on the user device.
  • the system may retrieve rules for processing the prequalification request for various lenders.
  • the rules may be specifically directed to processing a prequalification request for users submitting the prequalification requests from the particular channel, e.g., the application executing on the user device.
  • the system may generate a prequalification result in response to processing the prequalification request based on the retrieved rules for the lenders.
  • the prequalification result may be transmitted to the user device and saved in an applications database.
  • the user may submit a pricing request for pricing a loan for purchasing a specified product from the user device.
  • the system may retrieve the prequalification result from the applications database and generate a pricing structure for using the prequalification result.
  • the pricing structure may be transmitted to the user device and saved in a pricing database.
  • the user may again interact with one or more of the various lenders (directly or indirectly) as part of the purchase process through a different channel (e.g., a channel associated with a seller of the product).
  • a different channel e.g., a channel associated with a seller of the product.
  • the seller may input the user information and information of the specified product in a seller device and submit a purchase request for the specified product to one or more of the lenders or a platform associated with the lenders.
  • the system may query the applications database to determine whether a prequalification result for the user exists, based on the user information.
  • the system may query the pricing database to determine whether a pricing structure for the specified product has been generated for the user in a predetermined time frame.
  • the system may generate and transmit a second pricing structure for the specified product using the earlier generated pricing structure.
  • the second pricing structure may include the same pricing information as the pricing structure previously generated for the specified product and user.
  • the system may provide consistent pricing structures of a loan irrespective of a channel through which a user directly or indirectly is requesting decisioning (e.g. pricing or pricing structure) for an application for financing purchase of a product.
  • the system may generate a new pricing structure based on a previously generated pricing structure for the customer. This ensures the customer is provided consistent pricing for a loan across different channels and platforms. Furthermore, by providing consistent pricing, the system does not re-process the same data repeatedly and thusly, saves computational resources.
  • FIG. 1 is a block diagram of an example environment in which systems and/or methods described herein may be implemented.
  • the environment may include a central system 100 , a seller device 114 , a backend platform 125 , a cloud computing environment 132 , a user device 140 , a pricing database 148 , an applications database 146 , and a network 130 .
  • the devices of the environment may be connected through wired connections, wireless connections, or a combination of wired and wireless connections.
  • one or more portions of the network 130 may be an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless wide area network (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular telephone network, a wireless network, a WiFi network, a WiMax network, any other type of network, or a combination of two or more such networks.
  • VPN virtual private network
  • LAN local area network
  • WLAN wireless LAN
  • WAN wide area network
  • WWAN wireless wide area network
  • MAN metropolitan area network
  • PSTN Public Switched Telephone Network
  • PSTN Public Switched Telephone Network
  • the backend platform 125 may include one or more devices configured to host a multi-lender architecture (e.g., architecture as shown in FIGS. 1-2 ).
  • the backend platform 125 may include a server or a group of servers.
  • the backend platform 125 may be hosted in a cloud computing environment 132 . It may be appreciated that the backend platform 125 may not be cloud-based, or may be partially cloud-based.
  • the central system 100 , seller device 114 , user device 140 , pricing database 148 , and applications database 146 may include one or more devices configured to interface with the backend platform 125 .
  • the central system 100 may include a pre-qualification micro-service 102 , eligibility micro-service 104 , pricing micro-service 106 , customers micro-service 110 , and bookmark micro-service 112 .
  • the user device 140 may include a display 142 , a first buyer application 144 , and a second buyer application 145 .
  • the first buyer application 144 can be a channel associated with a lender.
  • the second buyer application 145 can be a channel associated with a seller.
  • the seller device 114 may include a seller application 118 and a display 120 .
  • the first buyer application 144 , second buyer application 145 , and seller application 118 may interface with the central system 100 to obtain loan offers for products that are intended to be purchased.
  • the prequalification micro-service 102 may process, in parallel, the user's pre-qualification request with one or more different lenders using the user's personal information and the pre-qualification decisioning information associated with each respective lender.
  • the pre-qualification decisioning information may be different for each lender. For example, each lender may require different thresholds of employment information, salary, and/or credit scores.
  • the eligibility micro-service 104 may generate product eligibility results.
  • the product eligibility results may determine whether a product is eligible for financing for a given lender and user.
  • the pricing micro-service 106 may generate pricing offers for loans for a given product based on the pre-qualification and product eligibility results.
  • the prequalification micro-service 102 can receive a prequalification request from the seller application 118 .
  • the prequalification micro-service 102 may retrieve methodologies for processing the prequalification request for various lenders.
  • the prequalification micro-service 102 may process, in parallel, the user's pre-qualification request, using a user's personal information, credit information, and methodologies associated with each respective lender.
  • the prequalification micro-service 102 may generate prequalification results including decisions of prequalification of the loan from various lenders and loan details offered by each of the lenders, based on the user's personal information, soft pull, and methodologies specific to each lender.
  • the pricing micro-service 108 can receive a pricing request from a different channel (e.g., first or second buyer application 144 or 145 ) as compared to the channel used to transmit the prequalification request.
  • the pricing micro-service 108 may generate a pricing structure irrespective of the type of channel that transmitted the pricing request, given that the pricing request is received within a specified timeframe of the prequalification result.
  • the prequalification micro-service 102 may retrieve prequalification information for a lender.
  • the lender's prequalification information may include prequalification rules, methodologies, or algorithms, on how to process prequalification requests.
  • the prequalification micro-service 102 may generate a prequalification result for the user using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender.
  • prequalification micro-service 102 may call on the eligibility micro-service 104 to determine whether the product is eligible for a loan from the lender.
  • the eligibility micro-service 104 can use the lender's prequalification information and product information to determine whether the product is eligible for a loan.
  • the prequalification micro-service 102 can generate the prequalification result using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender.
  • the prequalification micro-service 102 can call the pricing micro-service 108 to determine an APR and pricing information.
  • the prequalification result can include a specific APR and pricing information for the specific user and product. This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing structure that includes the same APR and pricing information for the specific user and product as in the prequalification result.
  • applications database 146 can store pre-qualification information for users.
  • the pre-qualification information may include decisions on loan requests from various lenders.
  • the pricing database 148 may store information about loan offers for products based on financing information and information about the product.
  • the cloud computing environment 132 includes an environment that delivers computing as a service, whereby shared resources, services, etc. may be provided to the device 100 and/or the backend platform 125 .
  • the cloud computing environment 132 may provide computation, software, data access, storage, and/or other services that do not require end-user knowledge of a physical location and configuration of a system and/or a device that delivers the services.
  • the cloud computing system 132 may include computing resources 126 a - d.
  • Each computing resource 126 a - d includes one or more personal computers, workstations, computers, server devices, or other types of computation and/or communication devices.
  • the computing resource(s) 126 a - d may host the backend platform 125 .
  • the cloud resources may include compute instances executing in the computing resources 126 a - d .
  • the computing resources 126 a - d may communicate with other computing resources 126 a - d via wired connections, wireless connections, or a combination of wired or wireless connections.
  • Computing resources 126 a - d may include a group of cloud resources, such as one or more applications (“APPs”) 126 - 1 , one or more virtual machines (“VMs”) 126 - 2 , virtualized storage (“VS”) 126 - 3 , and one or more hypervisors (“HYPs”) 126 - 4 .
  • APPs applications
  • VMs virtual machines
  • VS virtualized storage
  • HOPs hypervisors
  • Application 126 - 1 may include one or more software applications that may be provided to or accessed by the user device 140 , seller device 114 and the lender device 1103 .
  • the application 1104 may execute locally on the user device 140 , seller device 114 and the lender device 1103 .
  • the application 126 - 1 may eliminate a need to install and execute software applications on the user device 140 , seller device 114 and the lender device 1103 .
  • the application 126 - 1 may include software associated with backend platform 125 and/or any other software configured to be provided across the cloud computing environment 132 .
  • the application 126 - 1 may send/receive information from one or more other applications 126 - 1 , via the virtual machine 126 - 2 .
  • Virtual machine 126 - 2 may include a software implementation of a machine (e.g., a computer) that executes programs like a physical machine.
  • Virtual machine 126 - 2 may be either a system virtual machine or a process virtual machine, depending upon the use and degree of correspondence to any real machine by virtual machine 126 - 2 .
  • a system virtual machine may provide a complete system platform that supports execution of a complete operating system (OS).
  • a process virtual machine may execute a single program and may support a single process.
  • the virtual machine 126 - 2 may execute on behalf of a user (e.g., the user device 140 , seller device 114 ) and/or on behalf of one or more other backend platforms 125 , and may manage the infrastructure of the cloud computing environment 132 , such as data management, synchronization, or long-duration data transfers.
  • a user e.g., the user device 140 , seller device 114
  • the infrastructure of the cloud computing environment 132 such as data management, synchronization, or long-duration data transfers.
  • Virtualized storage 126 - 3 may include one or more storage systems and/or one or more devices that use virtualization techniques within the storage systems or devices of computing resource 126 a - d .
  • types of virtualizations may include block virtualization and file virtualization.
  • Block virtualization may refer to abstraction (or separation) of logical storage from physical storage so that the storage system may be accessed without regard to physical storage or heterogeneous structure. The separation may permit administrators of the storage system flexibility in how administrators manage storage for end users.
  • File virtualization may eliminate dependencies between data accessed at a file-level and location where files are physically stored. This may enable optimization of storage use, server consolidation, and/or performance of non-disruptive file migrations.
  • Hypervisor 126 - 4 may provide hardware virtualization techniques that allow multiple operations systems (e.g., “guest operating systems”) to execute concurrently on a host computer, such as computing resource 126 a - d .
  • Hypervisor 126 - 4 may present a virtual operating platform to the guest operating systems and may manage the execution of the guest operating systems multiple instances of a variety of operating systems and may share virtualized hardware resources.
  • a user of a user device may desire to request pre-qualification for a loan for purchasing a product from a lender or one or more of multiple lenders using the first or second buyer applications 144 , 145 .
  • the user may be prompted to input user information for transmitting a prequalification request.
  • the first buyer application 144 or second buyer application 145 may receive input from a user for requesting prequalification for a loan for purchasing a product.
  • the input may be user information needed to process the prequalification request.
  • the user information may include, full name, address, social security number, employment information, salary, and/or the like.
  • the user device 140 may transmit the prequalification request including received user information, to the central system 100 .
  • the central system 100 may receive the prequalification request including the user information.
  • the central system 100 may transmit the user information to the prequalification micro-service 102 .
  • the prequalification micro-service 102 may identify the application transmitting the prequalification request or the channel from which the prequalification request is initiated (e.g., first or second buyer application 144 , 145 ). Initially, the prequalification micro-service 102 may interface with third-party credit bureau's to execute a soft pull for the user to determine the user's credit score, using the user's personal information. Soft pulls are soft credit inquires that do not affect the user's credit score.
  • the prequalification micro-service 102 may retrieve methodologies (e.g. decisioning logic) used by the lenders to process prequalification.
  • Each lender may have different methodologies for processing the prequalification for the user. Furthermore, each lender may have different methodologies for processing the prequalification for the user, based on the identified application transmitting the prequalification request or the channel from which the prequalification request is initiated. For example, the prequalification micro-service 102 may identify that a buyer application has transmitted the prequalification request. The prequalification micro-service 102 may retrieve methodologies for processing prequalification requests received from buyer applications, for each lender. The prequalification micro-service 102 may process, in parallel, the user's pre-qualification request, using the user's personal information, soft pull and retrieved methodologies associated with each respective lender.
  • the prequalification micro-service 102 can call the pricing micro-service 108 to generate the Annual Percentage Rate (APR) using the user's personal information, soft pull and retrieved methodologies associated with each respective lender.
  • the prequalification micro-service 102 may generate prequalification results including decisions of prequalification of the loan from various lenders and loan details offered by each of the lenders, based on the user's personal information, soft pull, and methodologies specific to each lender.
  • the loan details may include the APR.
  • the central system 100 may route the prequalification results to the user device 140 .
  • the central system 100 may transmit the prequalification results to the user device 140 be rendered on the first or second buyer applications 144 , 145 .
  • the customers micro-service 110 may also store the prequalification results in the applications database 146 .
  • the customers micro-service 110 may maintain an association between the user and the prequalification results, in the applications database 146 .
  • the prequalification results may have a prequalification identifier and the user may have a user identifier.
  • the user identifier may be correlated to each prequalification result identifier.
  • the first or second buyer application 144 , 145 may transmit a pricing request to the central application 100 to generate a pricing structure for a specified product.
  • the eligibility micro-service 104 may determine whether the specified product is eligible for a loan.
  • the customers micro-service 110 may query the applications database 146 to determine whether prequalification results existed for the user that had been processed within a specified time frame.
  • the customers micro-service 110 may retrieve the prequalification results for the user from the applications database 146 .
  • the pricing micro-service 108 may interface with third-party credit bureaus to execute a hard credit pull on the user. In the event, prequalification results exist for the user, the pricing micro-service 108 may verify the loan details provided to the user in the prequalification result based on the hard pull. In response to verifying the loan details, the pricing micro-service 108 can generate a pricing structure based on a prequalification result.
  • the pricing structure can include the same loan details as the prequalification result.
  • the pricing micro-service 108 In the event, a prequalification result does not exist for a user, the pricing micro-service 108 is unable to verify the loan details based on the hard pull, or a user changes their purchasing structure, the pricing micro-service 108 can generate a new pricing structure.
  • the pricing micro-service 108 may retrieve the lenders' methodologies for generating a pricing structure.
  • the pricing micro-service 108 may generate a pricing structure for a loan for the specified product, based on the prequalification results, specified product details, the lenders' methodologies, and the hard credit pull.
  • the respective pricing structure generated for the user for each lender may be the same as provided during the prequalification process regardless of the application or channel transmitting the pricing request if the prequalification results are generated for the same user within a given time frame.
  • the pricing structure may include the loan details for the specified product.
  • the pricing structure may include, APR, payment schedule, terms and condition of the loan, type of loan, and/or the type.
  • the central system 100 may route the pricing structure to the user device 140 .
  • the central system 100 may transmit the pricing structure to the user device 140 be rendered on the first or second buyer application 144 , 145 .
  • the user may select to bookmark the pricing structure.
  • the bookmark request may be transmitted to the central system 100 .
  • the bookmark micro-service 112 may store the pricing structure and correlate the pricing structure to the user in the pricing database.
  • the user may subsequently interact with a seller of the specified product to purchase the product.
  • the seller of the specified product may launch the seller application 118 on the seller device 114 to initiate a pricing request for the specified product for the user.
  • the seller may input information about the user on the seller application 118 and the specified product.
  • the seller application 118 may transmit a pricing request for specified product and user to the central system 100 .
  • the customers micro-service 110 may query the applications database 146 using the user information, to retrieve any prequalification results for the user.
  • the customers micro-service may forward the user identifier received from the prequalification results to the bookmark micro-service 112 .
  • the bookmark micro-service 112 may query the pricing database 148 to determine whether the specified product had been priced for the user at a previous point in time, within a specified timeframe, using the user identifier.
  • the bookmark micro-service may retrieve the previously generated pricing structure.
  • the pricing micro-service 108 provide the previously generated pricing structure to the user.
  • the initial prequalification or pricing request may be generated using the seller application 118 and subsequent pricing request may be generated using the first or second buyer applications 144 , 145 (or vice versa).
  • the lenders' methodologies applied to generate the prequalification results may be dependent on the type of the application transmitting the initial prequalification request. For example, the lenders' methodologies may be different when transmitting a prequalification request from the seller application 118 , the first buyer application 144 , or second buyer application 145 . The different methodologies can affect the pricing structures.
  • the pricing micro-service 108 may receive a pricing request from the first or second buyer applications 144 or 145 .
  • the pricing micro-service 108 may generate the pricing structures based on the prequalification request, irrespective of the type of application transmitting the pricing request (e.g., the first and second buyer application 144 and 145 ), given that the pricing request is received within a specified timeframe of the prequalification result.
  • the seller may be an automobile dealership
  • the products may be automobiles
  • the type of loan may be auto-financing.
  • FIG. 2 is block diagrams illustrating an architecture implementing the system described herein, according to an embodiment.
  • the architecture may include a buyer UI 200 , a seller UI 202 , a Digital Retailer 204 , Buy/Sell API 210 , and a multi-lender layer 212 .
  • the buyer UI 200 may correspond with the first and second buyer application.
  • the seller UI 202 may correspond with the seller application.
  • the Buy/Sell API 210 may reside in an experience layer 208 .
  • the Buy/Sell API 210 may facilitate communication between the buyer UI 200 , seller UI 202 , and/or Digital Retailer 103 and the multi-lender layer 212 .
  • the architecture may further include a lender portal 220 through which lenders may access the multi-lender layer.
  • the multi-lender layer 212 may include an API Passthru 214 and a vault 216 .
  • the vault 216 may reside in the central system.
  • the API Passthru 214 may be an API Gateway.
  • the API Passthru 214 may be responsible for request routing, composition, and protocol translation.
  • the lender portal 220 may also reside in the multi-lender layer 212 .
  • the vault 216 may include micro-processes such as prequalification 102 , product eligibility 104 , and pricing 10 .
  • the vault 216 may also include an encrypted logs 222 and a lender confidential repository 221 .
  • the encrypted logs 222 may be a data repository.
  • a plurality of lenders 226 may interface with the lender portal 220 to upload and/or communicate information (e.g., methodologies) associated with their prequalification, product eligibility, and pricing, to the vault 216 .
  • the information may include rules, algorithms, equations, restrictions, and/or the like, which govern the process of offering users loans for products at determined prices.
  • the information may be stored in the lender confidential repository 221 .
  • the information may be received in an encrypted format.
  • the vault 216 may decrypt the information using the encryption service 218 and store the information in a decrypted format.
  • the prequalification micro-service 102 may retrieve prequalification information for a lender.
  • the lender's prequalification information may include prequalification rules, methodologies, or algorithms, on how to process prequalification requests.
  • the prequalification micro-service 102 may generate a prequalification result for the user using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender.
  • prequalification micro-service 102 may call on the eligibility micro-service 104 to determine whether the product is eligible for a loan from the lender.
  • the eligibility micro-service 104 can use the lender's prequalification information and product information to determine whether the product is eligible for a loan.
  • the prequalification micro-service 102 can generate the prequalification result using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender.
  • the prequalification micro-service 102 can call the pricing micro-service 108 to determine an APR and pricing information.
  • the prequalification result can include a specific APR and pricing information for the specific user and product. This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing structure that includes the same APR and pricing information for the specific user and product as in the prequalification result.
  • the vault 216 may provide a secure environment in which the proprietary information may not be visible to anyone else (including the administrator of the multi-lender architecture) other than the lender.
  • the vault 216 may reside in a jailed, self-contained network, configured to receive and transmit data in an encrypted format.
  • lenders may manage their separate accounts. Each lender can securely manage its loan eligibility criteria, rules, filing policies, and/or the like.
  • Lenders 226 may view their data inside the vault 216 and may not view data associated with other lenders 226 . The data inside the vault 216 may not be visible to users through the buyer UI, seller UI 202 , or Digital retailer 204 .
  • buyer UI 200 may correspond an application configured to search for products and procure pricing structure for a loan from various lenders, executing on a customer's device.
  • Seller UI 202 may be an application configured for searching for products and procuring pricing structure for a loan from various lenders, executing on a seller's device.
  • Digital retailer 204 can be a website or online application configured to sell products and allow users to interface with a lender to obtain a loan for a product sold on the website.
  • the loan can be one or more of: an automobile loan, a mortgage, unsecured personal loans, secured personal loans, debt consolidation loans, or variable-interest loans.
  • the product for sale can be a house, car, motorcycle, recreational vehicle (RV), aircraft, boat, and/or the like.
  • RV recreational vehicle
  • a user may interface with buyer UI 200 , seller application 118 , or digital retailer 204 in an attempt to obtain a pricing structure for a loan for a product.
  • the buyer UI 200 , seller UI 202 , or digital retailer 204 may each render different graphical user interfaces (GUIs) configured to receive input from the user which may be transmitted to the multi-lender layer for further processing, to obtain pricing structure for a loan for a product.
  • the input information may be transmitted to the multi-lender layer 212 through the Buy/Sell API 210 .
  • Information may be communicated from the multi-lender layer 212 to buyer UI 200 , seller UI 202 , or Digital retailer 204 through the Buy/Sell API 210 , to be rendered in the respective GUI.
  • a digital retailer 204 may be embodied as a web domain associated with the seller.
  • Digital retailer 204 may render a hyperlink.
  • the Digital retailer 204 may interface with the multi-lender layer 212 using the hyperlink.
  • the seller UI 202 may interface with the multi-lender layer 212 to determine prequalification, product eligibility, and pricing as described with respect to buyer UI 200 .
  • the seller UI 202 may transmit a link directed to the multi-layer lender to initiate a prequalification request to a user device.
  • the seller UI 202 may transmit the link via Short Messaging Service (SMS) or e-mail message to the user device.
  • SMS Short Messaging Service
  • e-mail message e-mail message
  • the prequalification micro-service 102 may receive a prequalification request from the seller UI 202 for a user and a specified product.
  • the prequalification micro-service 102 may generate a prequalification result as described above.
  • the prequalification result may include loan details for the user and product.
  • the pricing micro-service 108 may receive a pricing request from the buyer UI 200 for the same user and product.
  • the pricing micro-service can use the generated prequalification result to generate a pricing structure, given that the pricing request was transmitted within a specified timeframe of the prequalification request.
  • the pricing structure can include the same loan details as the prequalification result.
  • the vault 216 may process the prequalification, product eligibility, and pricing structure associated with building a loan offer for multiple lenders, in parallel, using proprietary information provided by each lender.
  • the vault 216 may be a jailed environment, such that, while the lenders 226 may provide their proprietary information for building a loan offer to be stored in the vault 216 , the lenders or users may not access or view other lenders' proprietary information for building a loan offer.
  • This configuration provides a technical advantage over conventional systems because this configuration can generate multiple loan offers from various lenders in parallel using each lender's proprietary information while maintaining a secure jailed environment restricting access or visibility to the lenders' proprietary information.
  • the user may interface with the buyer UI 200 to obtain a pricing structure for a loan for a product.
  • the buyer UI 200 may present a selection for requesting to getting prequalified.
  • the buyer UI 200 may receive input associated with personal information of the user (e.g., name, address, asset information, salary, employment information, social security number, and/or the like).
  • the buyer UI 200 transmits the encrypted personal information and prequalification request to the multi-lender layer 212 , via the Buy/Sell API 210 , using Hypertext Transfer Protocol Secure (HTTPS).
  • HTTPS Hypertext Transfer Protocol Secure
  • the buyer UI 200 may encrypt the personal information and prequalification request and transmit the encrypted personal information and prequalification request to the multi-lender layer 212 , via the Buy/Sell API 210 .
  • portions of the personal information may be encrypted by the buyer UI 200 , such as the social security number (SSN).
  • the Buy/Sell API 210 can determine which lenders can provide loans for products based on personal information. For example, the Buy/Sell API 210 may determine a set of lenders can provide loans for products based on the personal information provided by the user. The Buy/Sell API 210 can generate a prequalification request for each lender in the set of lenders and transmit each request to the multi-lender layer 212 .
  • the API Passthru 214 may receive the encrypted input from the Buy/Sell API 210 , in the multi-lender layer 212 .
  • the API Passthru 214 may forward the personal information along with the prequalification requests for each lender of the set of lenders to the vault 216 .
  • the vault 216 may execute the prequalification micro-service 102 .
  • the prequalification micro-service 102 may interface with third party credit bureaus to retrieve user credit information using the decrypted personal information associated with the user.
  • the prequalification micro-service 102 may request the third party credit bureaus to initiate a soft pull.
  • the prequalification micro-service 102 may retrieve prequalification information associated with each of the set of lenders from the lender confidential repository 221 .
  • the prequalification micro-service 102 may retrieve information associated with each of the set of lenders for processing a prequalification result, based on the type of application (e.g., buyer application) transmitting the request.
  • Lenders may process prequalification differently depending on the channel from which a request is received, e.g. whether the request is received through the buyer UI 200 or through the seller UI 202 may be a factor that effects a decisioning or pricing determination. For example, some lenders may offer special deals to sellers for generating loans for their buyers. Alternatively, some lenders may offer promotions to buyers for applying for loans on their own using the buyer UI 200 .
  • the lender proprietary information may include rules on how each lender processes prequalification.
  • the prequalification micro-service 102 may process, in parallel, the user's prequalification request for each of the set of lenders using the user's personal information and the prequalification information associated with each respective lender. As described above, the prequalification may be different for each lender. For example, each lender may require different thresholds of employment information, salary, and/or credit scores.
  • the prequalification micro-service 102 may generate prequalification results, in response to processing the user's prequalification request for each of the multiple lenders.
  • the prequalification results may include a subset of lenders from the set of lenders which have pre-qualified the user for a loan for a product based on the personal information of the user, and the and the prequalification information associated with the respective lender.
  • the prequalification results can include a decision on whether the lender has pre-qualified a user for a loan for a product.
  • the prequalification results may also include information associated with the loan such as a range of possible Annual Percentage Rates (APRs) and terms and conditions of the loans.
  • the vault 216 may transmit the prequalification results to the buyer UI 200 unencrypted.
  • the vault 216 may encrypt the prequalification results using the encryption service 218 and transmit the encrypted prequalification results to the API Passthru 214 .
  • the API Passthru 214 may forward the prequalification results to the Buy/Sell API 210 .
  • the Buy/Sell API 210 may transmit the prequalification results to the buyer UI 200 .
  • the buyer UI 200 can decrypt the encrypted prequalification results.
  • the buyer UI 200 can render the prequalification results on the buyer UI's GUI.
  • the buyer UI 200 may receive a selection of a product intended for purchase, from a user.
  • the buyer UI 200 may transmit the information associated with the selected product (e.g., a vehicle make, model, mileage, year, dealership, and/or the like) to the multi-lender layer 212 , via the Buy/Sell API 210 .
  • the API Passthru 214 may receive the information associated with the selected product of the user from the Buy/Sell API 210 , in the multi-lender layer 212 .
  • the API Passthru 214 may forward the information associated with the selected product to the vault 216 .
  • the vault 216 may decrypt the encrypted information associated with the selected product, using the encryption service 218 .
  • the vault 216 may execute the product eligibility micro-service 104 .
  • the product eligibility micro-service 104 may retrieve product eligibility information associated with the lenders included in the subset of lenders, from the lender confidential repository 221 .
  • the product eligibility micro-service 104 may determine, in parallel, whether the selected product is eligible for a loan from a given lender based on the information associated with the selected product and information associated with product eligibility for each of the respective lenders.
  • the information associated with product eligibility may be different for each lender.
  • each lender may have different requirements for make, model, year, mileage, price, and/or the like.
  • the product eligibility micro-service 104 may determine certain products are not eligible for loans provided by lenders.
  • the product eligibility micro-service 104 may generate product eligibility results.
  • the product eligibility results may include one or more lenders from the subset lenders, for which the product eligibility micro-service 104 determined the selected product is eligible for a loan.
  • the API Passthru 214 may forward the product eligibility results to the Buy/Sell API 210 .
  • the buyer UI 200 may render the decrypted product eligibility results on the buyer UI 200 GUI.
  • the buyer UI 200 may receive a request to build a loan offer for a selected product, from a user.
  • the request may include information associated with the desired loan, such as the price of a selected product, down payment amount, loan amount, tax amount, dealer fees, service contract, GAP, and/or the like.
  • the buyer UI 200 may encrypt the information associated with the request for building an offer and transmit the information associated with the request for building an offer to the multi-lender layer 212 , via the Buy/Sell API 210 .
  • the Buy/Sell API 210 may encrypt the information associated with the request for building an offer and transmit the encrypted information associated with the request for building an offer to the multi-lender layer 212 .
  • the buyer UI 200 may transmit the request including the information to the multi-lender layer 212 , unencrypted, using the Buy/Sell API 210 .
  • the Buy/Sell API 210 may determine that the user is eligible for a loan from one or more lenders, based on the prequalification results and the product eligibility results.
  • the Buy/Sell API 210 can generate pricing offer requests for each of the one or more lenders and transmit the requests to the multi-lender layer 212 .
  • the API Passthru 214 may receive the information associated with the request for building an offer from the Buy/Sell API 210 and the requests for each of the one or more lenders, in the multi-lender layer 212 .
  • the API Passthru 214 may forward the information associated with the requests for each of the one or more lenders for building an offer to the vault 216 .
  • the vault 216 may execute the pricing micro-service 108 .
  • the pricing micro-service 108 may retrieve rules or methodologies for generating pricing structures for each of the one or more lenders, from the lender confidential repository 221 . Generation of the pricing structure may include using Bayesian regression algorithms, decision trees, pricing girds or various equations to price a loan offer. The rules may also provide sources for retrieving certain information.
  • a lender may need to use the prequalification results and/or product eligibility results.
  • the lender may indicate to the pricing micro-service 108 to retrieve the prequalification results and/or product eligibility results.
  • the rules may include instructions to retrieve information from third-party vendors.
  • the pricing micro-service 106 may retrieve the information using the third-party vendors.
  • the pricing micro-service 106 may process and build, in parallel, a loan offer based on the information associated with the request for building an offer, for each of the one or more lenders using information associated with pricing for each of the respective lenders. Additionally, each lender may use a different methodology for calculating pricing for a loan offer.
  • the pricing micro-service 106 may generate pricing structures for a loan for the product from various lenders.
  • the pricing structures may include loan amounts, interest rates, and terms and conditions of the loan.
  • the vault 216 may encrypt the offers using the encryption service 218 and transmit the encrypted product offers the API Passthru 214 .
  • the API Passthru 214 may forward the encrypted offers to the Buy/Sell API 210 .
  • the Buy/Sell API 210 may decrypt the encrypted offers and interface with the buyer UI 200 to render the decrypted offers on the buyer UI 200 .
  • the Buy/Sell API 210 may transmit the encrypted offers to the buyer UI 200 .
  • the buyer UI 200 can decrypt the encrypted offers and render the decrypted offers on the buyer UI 200 .
  • the architecture may also include an analytic aggregator 224 .
  • the analytic aggregator may be embodied as a micro-service residing in the vault 216 .
  • the analytic aggregator 224 may capture all of the data generated in the vault 216 for each user (e.g., prequalification results, product eligibility results, and offers) for each lender and store the captured data in the encrypted logs 222 .
  • the captured data may be encrypted in a format specific to a given lender, such that, a lender may only decrypt data from the encrypted logs 222 .
  • a lender may download data logs from the encrypted logs 222 specifics to the lender itself.
  • the architecture may be associated with a financial institution (e.g., bank or lender).
  • the administrator of the architecture may be a financial institution.
  • the financial institution may use its own lending platform 232 .
  • the lending platform 232 may include a loan origination system (LOS) 234 .
  • the buyer UI 200 may communicate back and forth with the loan origination system 232 of the lending platform 232 to generate a loan offer from the financial institution, via the Buy/Sell API 210 and the API Passthru 214 in the multi-lender layer 212 .
  • LOS loan origination system
  • the buyer UI 200 may communicate back and forth with the loan origination system 234 of the lending platform 232 to generate a loan offer from the financial institution, in parallel, with the micro-processes (e.g., prequalification 102 , product eligibility 104 , and pricing 108 ) generating loan offers from various lenders in the vault 216 .
  • the loan offers from the financial institution may be presented alongside the loan offers from the other lenders on the GUI of the buyer UI 200 .
  • the architecture may include a third-party loan origination system API 228 .
  • a lender does not upload information associated with prequalification, product eligibility, and pricing
  • the third-party loan origination system API 228 may generate a loan offer for the lender.
  • the third-party loan origination system API 228 may communicate back and forth with the buyer UI 200 , via the Buy/Sell API 210 and the API Passthru 214 in the multi-layer lender 212 , to generate a loan offer.
  • buyer UI 200 may communicate back and forth with the third-party loan origination system API 228 of the third-party API to generate a loan offer from the financial institution, in parallel, with the micro-processes (e.g., prequalification 102 , product eligibility 104 , and pricing 108 ) generating loan offers from various lenders in the vault 216 .
  • the micro-processes e.g., prequalification 102 , product eligibility 104 , and pricing 108
  • FIG. 3 is a block diagram illustrating an expanded view of the experience layer 208 in accordance to an embodiment.
  • the Buy/Sell API 210 may reside in the experience layer of the multi-lender architecture.
  • the Buy/Sell API 210 may be used to interface between clients such as buyer UI 200 , seller UI 202 , and Digital retailer 204 , and the multi-lender layer.
  • the experience layer 208 may further include the customers micro-service 110 , the bookmark micro-service 112 , a marketplace module 301 , pricing module 302 , an application module 303 , an offer module 304 , a seller (e.g., dealer) module 305 , and a pricing cache 306 .
  • the experience layer 208 may use the market place module 301 , pricing module 302 , the application module 303 , offer module 304 , dealer module 305 , and pricing cache 306 to provide consistent and reliable pricing structure to a user by storing the pricing, prequalification, and applications submitted by a user for a specified period of time.
  • the application module 303 may route prequalification requests to the prequalification micro-service and may receive the prequalification results.
  • the application module 303 may store prequalification results in the prequalification database 146 .
  • the prequalification results may be correlated to various users.
  • the pricing module 302 may route pricing requests to the pricing micro-service and receive the pricing structures from the pricing micro-service.
  • the pricing module 302 may store pricing structures generated for a given product in the pricing database 148 .
  • the pricing structures can be correlated to a user.
  • the pricing cache 306 may store pricing structures generated for a given product for a particular user for a short period of time (e.g., single session).
  • the offers module 304 may route a purchase request for a given product for a user to the pricing micro-service.
  • the offers module 304 may store final pricing structures offered to a user in the offers database 308 .
  • the marketplace module 301 may store information associated with lenders and products. The information the marketplace module 301 may be updated in real-time. For example, a user may apply for a loan for a product.
  • the Buy/Sell API 210 may filter out lenders from the marketplace which may not provide loans for the product based on the personal information of the user or the product itself. Additionally, as the application for the loan is processed, each time a lender rejects or approves the loan, the marketplace module 301 may update the repository. Furthermore, based on the lenders for which the loans are being processed, the Buy/Sell API 210 can filter out the ineligible products from the marketplace module 301 which may not be eligible for a loan.
  • the seller module 305 may manage the information associated with different dealers. For example, seller UI 202 may communicate with the dealer module 305 to retrieve dealer specific information from the module 305 .
  • the dealer specific information may include dealer requirements for purchasing automobiles, partnerships with lenders and vendors, dealer inventory, and/or the like.
  • the customers micro-service 110 may maintain an association for prequalification results obtained by a user in the applications database 146 .
  • the bookmark micro-service 112 may capture snapshots of pricing structures generated for a user and a particular product.
  • the bookmark micro-service 112 may store and correlate the user to the pricing structure in the pricing database 148 .
  • FIG. 4 is an example flowchart 400 for obtaining consistent pricing for a loan for a product.
  • a prequalification micro-service may generate a prequalification result in response to an initial prequalification request for a user.
  • a central system may store the prequalification in an applications database.
  • the central system may generate a pricing structure for a specified product for a user, based on the prequalification result.
  • a bookmarking micro-service may store the pricing structure for the specified product for the user in a pricing database, for a predetermined time frame, in response to receiving a request to bookmark the pricing structure.
  • the central system may receive a pricing request for the specified product for the user.
  • the central system may query the applications database, using a customer micro-service, to determine whether a prequalification result for the user exists, based on the user information.
  • the central system may query the pricing database, using the bookmark micro-service, to determine whether a pricing structure for the specified product has been generated for the user in the predetermined time frame.
  • the central system may transmit the pricing structure for the specified product.
  • FIG. 5 is an example flowchart 500 for obtaining consistent pricing for a loan for a product.
  • the central system may identify a type of application transmitting the initial prequalification request.
  • the central system may identify a set of rules tied to the type of application transmitting the initial prequalification request.
  • Lenders can vary the type of rules and methodologies used to calculate a prequalification result or pricing structure based on the type of application transmitting the request. For example, different methodologies can be used if the request is transmitted using a seller application, first buyer application, or second buyer application.
  • the central system may process the prequalification request based on the set of rules to generate the prequalification result.
  • This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing offer that includes the same APR and pricing information for the specific user and product as in the prequalification result. So, if the user transmitted a pricing request from a different application within a given timeframe of transmitting the prequalification request, the system may provide the final loan pricing offer (e.g., pricing structure) can include the same details as the prequalification result.
  • the final loan pricing offer e.g., pricing structure
  • FIG. 6 is a block diagram of example components of device 600 .
  • One or more computer systems 600 may be used, for example, to implement any of the embodiments discussed herein, as well as combinations and sub-combinations thereof.
  • Computer system 600 may include one or more processors (also called central processing units, or CPUs), such as a processor 604 .
  • processors also called central processing units, or CPUs
  • Processor 604 may be connected to a communication infrastructure or bus 606 .
  • Computer system 600 may also include user input/output device(s) 603 , such as monitors, keyboards, pointing devices, etc., which may communicate with communication infrastructure 606 through user input/output interface(s) 602 .
  • user input/output device(s) 603 such as monitors, keyboards, pointing devices, etc.
  • communication infrastructure 606 may communicate with user input/output interface(s) 602 .
  • processors 604 may be a graphics processing unit (GPU).
  • a GPU may be a processor that is a specialized electronic circuit designed to process mathematically intensive applications.
  • the GPU may have a parallel structure that is efficient for parallel processing of large blocks of data, such as mathematically intensive data common to computer graphics applications, images, videos, etc.
  • Computer system 600 may also include a main or primary memory 608 , such as random access memory (RAM).
  • Main memory 608 may include one or more levels of cache.
  • Main memory 608 may have stored therein control logic (i.e., computer software) and/or data.
  • Computer system 600 may also include one or more secondary storage devices or memory 610 .
  • Secondary memory 610 may include, for example, a hard disk drive 612 and/or a removable storage device or drive 614 .
  • Removable storage drive 614 may interact with a removable storage unit 618 .
  • Removable storage unit 618 may include a computer-usable or readable storage device having stored thereon computer software (control logic) and/or data.
  • Removable storage unit 618 may be program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an EPROM or PROM) and associated socket, a memory stick and USB port, a memory card and associated memory card slot, and/or any other removable storage unit and associated interface.
  • Removable storage drive 614 may read from and/or write to removable storage unit 618 .
  • Secondary memory 610 may include other means, devices, components, instrumentalities or other approaches for allowing computer programs and/or other instructions and/or data to be accessed by computer system 600 .
  • Such means, devices, components, instrumentalities or other approaches may include, for example, a removable storage unit 622 and an interface 620 .
  • Examples of the removable storage unit 622 and the interface 620 may include a program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an EPROM or PROM) and associated socket, a memory stick and USB port, a memory card and associated memory card slot, and/or any other removable storage unit and associated interface.
  • Computer system 600 may further include a communication or network interface 624 .
  • Communication interface 624 may enable computer system 600 to communicate and interact with any combination of external devices, external networks, external entities, etc. (individually and collectively referenced by reference number 628 ).
  • communication interface 624 may allow computer system 600 to communicate with external or remote devices 628 over communications path 626 , which may be wired and/or wireless (or a combination thereof), and which may include any combination of LANs, WANs, the Internet, etc.
  • Control logic and/or data may be transmitted to and from computer system 600 via communication path 626 .
  • Computer system 600 may also be any of a personal digital assistant (PDA), desktop workstation, laptop or notebook computer, netbook, tablet, smartphone, smartwatch or other wearables, appliance, part of the Internet-of-Things, and/or embedded system, to name a few non-limiting examples, or any combination thereof.
  • PDA personal digital assistant
  • desktop workstation laptop or notebook computer
  • netbook tablet
  • smartphone smartwatch or other wearables
  • appliance part of the Internet-of-Things
  • embedded system embedded system
  • Computer system 600 may be a client or server, accessing or hosting any applications and/or data through any delivery paradigm, including but not limited to remote or distributed cloud computing solutions; local or on-premises software (“on-premise” cloud-based solutions); “as a service” models (e.g., content as a service (CaaS), digital content as a service (DCaaS), software as a service (SaaS), managed software as a service (MSaaS), platform as a service (PaaS), desktop as a service (DaaS), framework as a service (FaaS), backend as a service (BaaS), mobile backend as a service (MBaaS), infrastructure as a service (IaaS), etc.); and/or a hybrid model including any combination of the foregoing examples or other services or delivery paradigms.
  • “as a service” models e.g., content as a service (CaaS), digital content as a service (DCaaS), software as a
  • Any applicable data structures, file formats, and schemas in computer system 600 may be derived from standards including but not limited to JavaScript Object Notation (JSON), Extensible Markup Language (XML), Yet Another Markup Language (YAML), Extensible Hypertext Markup Language (XHTML), Wireless Markup Language (WML), MessagePack, XML User Interface Language (XUL), or any other functionally similar representations alone or in combination.
  • JSON JavaScript Object Notation
  • XML Extensible Markup Language
  • YAML Yet Another Markup Language
  • XHTML Extensible Hypertext Markup Language
  • WML Wireless Markup Language
  • MessagePack XML User Interface Language
  • XUL XML User Interface Language
  • a tangible, non-transitory apparatus or article of manufacture comprising a tangible, non-transitory computer useable or readable medium having control logic (software) stored thereon may also be referred to herein as a computer program product or program storage device.
  • control logic software stored thereon
  • control logic when executed by one or more data processing devices (such as computer system 600 ), may cause such data processing devices to operate as described herein.

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Abstract

In an embodiment, the system provides consistent pricing structures of a loan irrespective of the type of application requesting the pricing structure. The system generates a prequalification result for a product and user, in response to processing an initial prequalification request received from a given application. The system uses the prequalification result to generate a pricing structure. The prequalification result and pricing structure are stored. The system receives a subsequent purchase request for the product and user, from a different type of application. The system retrieves the prequalification result and pricing structure to generate a second pricing structure including the same pricing information as the previously generated pricing structure for the product and user. This ensures the customer is provided consistent pricing for a loan across platforms.

Description

    CROSS-REFERENCE TO RELATED APPLICATIONS
  • This application claims the benefit of Provisional Application No. 62/852,202, filed on May 23, 2019, the contents of which are hereby incorporated by reference in their entirety.
    • BACKGROUND
  • Conventionally, when applying for a loan for financing a vehicle purchase, for example, a user may use online tools to interact with prospective lenders to understand their purchasing power before or during a vehicle search. The user may also interact with the lender again at a later time or through a different channel as part of the vehicle purchase process, for example. Lenders may apply different methodologies for generating pricing structures depending on a timing of a loan inquiry or the channel through which the inquiry is received. This may lead to a user receiving different pricing structures for a loan depending on when and how they interact with the lender, which may cause inconsistent results and uncertainty and may cause the user to attempt to reprocess their loan application. By doing so, the conventional systems may have to re-process the same information multiple times, causing operational inefficiencies and re-execution of computationally expensive operations.
    • BRIEF DESCRIPTION OF THE DRAWINGS
  • The accompanying drawings, which are incorporated herein and form a part of the specification, illustrate the embodiments of the present disclosure, and together with the description, further serve to explain the principles of the embodiments and enable a person skilled in the pertinent art to make and use the embodiments, individually, or as a combination thereof.
  • FIG. 1 is a block diagram of an example network environment according to an exemplary embodiment.
  • FIG. 2 is a block diagram of an example architecture according to an embodiment.
  • FIG. 3 is a block diagram illustrating an expanded view of example micro-services in accordance to an embodiment.
  • FIG. 4 is a flowchart illustrating the process of obtaining consistent pricing information in accordance to an example embodiment.
  • FIG. 5 is a flowchart illustrating the process of obtaining consistent pricing information in accordance to an example embodiment.
  • FIG. 6 is a block diagram of example components of a computing system according to an embodiment.
    •
  • In the drawings, like reference numbers generally indicate identical or similar elements. Additionally, generally, the left-most digit(s) of a reference number identifies the drawing in which the reference number first appears.
    • DETAILED DESCRIPTION
  • Provided herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof for providing consistent pricing information across different channels or platforms or within a duration of time.
  • A user may intend to purchase a product from a seller, which may require acquiring a loan. The user may submit an initial prequalification request, for getting prequalified for a loan for purchasing a product, using a user device. The system may receive the initial prequalification request. The system may identify that the user transmitted the prequalification request from a first channel, e.g., an application executing on the user device. The system may retrieve rules for processing the prequalification request for various lenders. The rules may be specifically directed to processing a prequalification request for users submitting the prequalification requests from the particular channel, e.g., the application executing on the user device. The system may generate a prequalification result in response to processing the prequalification request based on the retrieved rules for the lenders. The prequalification result may be transmitted to the user device and saved in an applications database.
  • The user may submit a pricing request for pricing a loan for purchasing a specified product from the user device. The system may retrieve the prequalification result from the applications database and generate a pricing structure for using the prequalification result. The pricing structure may be transmitted to the user device and saved in a pricing database.
  • The user may again interact with one or more of the various lenders (directly or indirectly) as part of the purchase process through a different channel (e.g., a channel associated with a seller of the product). For example, the seller may input the user information and information of the specified product in a seller device and submit a purchase request for the specified product to one or more of the lenders or a platform associated with the lenders. The system may query the applications database to determine whether a prequalification result for the user exists, based on the user information. In response to determining the prequalification request for the user exists, the system may query the pricing database to determine whether a pricing structure for the specified product has been generated for the user in a predetermined time frame. In response to determining a pricing structure for the specified product that has been generated for the user in the predetermined time frame, the system may generate and transmit a second pricing structure for the specified product using the earlier generated pricing structure. The second pricing structure may include the same pricing information as the pricing structure previously generated for the specified product and user.
  • The system may provide consistent pricing structures of a loan irrespective of a channel through which a user directly or indirectly is requesting decisioning (e.g. pricing or pricing structure) for an application for financing purchase of a product. The system may generate a new pricing structure based on a previously generated pricing structure for the customer. This ensures the customer is provided consistent pricing for a loan across different channels and platforms. Furthermore, by providing consistent pricing, the system does not re-process the same data repeatedly and thusly, saves computational resources.
  • FIG. 1 is a block diagram of an example environment in which systems and/or methods described herein may be implemented. The environment may include a central system 100, a seller device 114, a backend platform 125, a cloud computing environment 132, a user device 140, a pricing database 148, an applications database 146, and a network 130. The devices of the environment may be connected through wired connections, wireless connections, or a combination of wired and wireless connections.
  • In an example embodiment, one or more portions of the network 130 may be an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless wide area network (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular telephone network, a wireless network, a WiFi network, a WiMax network, any other type of network, or a combination of two or more such networks.
  • The backend platform 125 may include one or more devices configured to host a multi-lender architecture (e.g., architecture as shown in FIGS. 1-2). The backend platform 125 may include a server or a group of servers. In an embodiment, the backend platform 125 may be hosted in a cloud computing environment 132. It may be appreciated that the backend platform 125 may not be cloud-based, or may be partially cloud-based.
  • The central system 100, seller device 114, user device 140, pricing database 148, and applications database 146 may include one or more devices configured to interface with the backend platform 125. The central system 100 may include a pre-qualification micro-service 102, eligibility micro-service 104, pricing micro-service 106, customers micro-service 110, and bookmark micro-service 112. The user device 140 may include a display 142, a first buyer application 144, and a second buyer application 145. The first buyer application 144 can be a channel associated with a lender. The second buyer application 145 can be a channel associated with a seller. The seller device 114 may include a seller application 118 and a display 120. The first buyer application 144, second buyer application 145, and seller application 118 may interface with the central system 100 to obtain loan offers for products that are intended to be purchased.
  • In an embodiment, the prequalification micro-service 102 may process, in parallel, the user's pre-qualification request with one or more different lenders using the user's personal information and the pre-qualification decisioning information associated with each respective lender. The pre-qualification decisioning information may be different for each lender. For example, each lender may require different thresholds of employment information, salary, and/or credit scores.
  • In an embodiment, the eligibility micro-service 104 may generate product eligibility results. The product eligibility results may determine whether a product is eligible for financing for a given lender and user.
  • In an embodiment, the pricing micro-service 106 may generate pricing offers for loans for a given product based on the pre-qualification and product eligibility results. For example, the prequalification micro-service 102 can receive a prequalification request from the seller application 118. The prequalification micro-service 102 may retrieve methodologies for processing the prequalification request for various lenders. The prequalification micro-service 102 may process, in parallel, the user's pre-qualification request, using a user's personal information, credit information, and methodologies associated with each respective lender. The prequalification micro-service 102 may generate prequalification results including decisions of prequalification of the loan from various lenders and loan details offered by each of the lenders, based on the user's personal information, soft pull, and methodologies specific to each lender.
  • The pricing micro-service 108 can receive a pricing request from a different channel (e.g., first or second buyer application 144 or 145) as compared to the channel used to transmit the prequalification request. The pricing micro-service 108 may generate a pricing structure irrespective of the type of channel that transmitted the pricing request, given that the pricing request is received within a specified timeframe of the prequalification result.
  • In an embodiment, the prequalification micro-service 102 may retrieve prequalification information for a lender. The lender's prequalification information may include prequalification rules, methodologies, or algorithms, on how to process prequalification requests. The prequalification micro-service 102 may generate a prequalification result for the user using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender. For example, prequalification micro-service 102 may call on the eligibility micro-service 104 to determine whether the product is eligible for a loan from the lender. The eligibility micro-service 104 can use the lender's prequalification information and product information to determine whether the product is eligible for a loan. Once the eligibility micro-service 104 confirms that the product is eligible for a loan from the lender, the prequalification micro-service 102 can generate the prequalification result using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender. The prequalification micro-service 102 can call the pricing micro-service 108 to determine an APR and pricing information. The prequalification result can include a specific APR and pricing information for the specific user and product. This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing structure that includes the same APR and pricing information for the specific user and product as in the prequalification result.
  • In an embodiment, applications database 146 can store pre-qualification information for users. The pre-qualification information may include decisions on loan requests from various lenders. The pricing database 148 may store information about loan offers for products based on financing information and information about the product.
  • The cloud computing environment 132 includes an environment that delivers computing as a service, whereby shared resources, services, etc. may be provided to the device 100 and/or the backend platform 125. The cloud computing environment 132 may provide computation, software, data access, storage, and/or other services that do not require end-user knowledge of a physical location and configuration of a system and/or a device that delivers the services. The cloud computing system 132 may include computing resources 126 a-d.
  • Each computing resource 126 a-d includes one or more personal computers, workstations, computers, server devices, or other types of computation and/or communication devices. The computing resource(s) 126 a-d may host the backend platform 125. The cloud resources may include compute instances executing in the computing resources 126 a-d. The computing resources 126 a-d may communicate with other computing resources 126 a-d via wired connections, wireless connections, or a combination of wired or wireless connections.
  • Computing resources 126 a-d may include a group of cloud resources, such as one or more applications (“APPs”) 126-1, one or more virtual machines (“VMs”) 126-2, virtualized storage (“VS”) 126-3, and one or more hypervisors (“HYPs”) 126-4.
  • Application 126-1 may include one or more software applications that may be provided to or accessed by the user device 140, seller device 114 and the lender device 1103. In an embodiment, the application 1104 may execute locally on the user device 140, seller device 114 and the lender device 1103. Alternatively, the application 126-1 may eliminate a need to install and execute software applications on the user device 140, seller device 114 and the lender device 1103. The application 126-1 may include software associated with backend platform 125 and/or any other software configured to be provided across the cloud computing environment 132. The application 126-1 may send/receive information from one or more other applications 126-1, via the virtual machine 126-2.
  • Virtual machine 126-2 may include a software implementation of a machine (e.g., a computer) that executes programs like a physical machine. Virtual machine 126-2 may be either a system virtual machine or a process virtual machine, depending upon the use and degree of correspondence to any real machine by virtual machine 126-2. A system virtual machine may provide a complete system platform that supports execution of a complete operating system (OS). A process virtual machine may execute a single program and may support a single process. The virtual machine 126-2 may execute on behalf of a user (e.g., the user device 140, seller device 114) and/or on behalf of one or more other backend platforms 125, and may manage the infrastructure of the cloud computing environment 132, such as data management, synchronization, or long-duration data transfers.
  • Virtualized storage 126-3 may include one or more storage systems and/or one or more devices that use virtualization techniques within the storage systems or devices of computing resource 126 a-d. With respect to a storage system, types of virtualizations may include block virtualization and file virtualization. Block virtualization may refer to abstraction (or separation) of logical storage from physical storage so that the storage system may be accessed without regard to physical storage or heterogeneous structure. The separation may permit administrators of the storage system flexibility in how administrators manage storage for end users. File virtualization may eliminate dependencies between data accessed at a file-level and location where files are physically stored. This may enable optimization of storage use, server consolidation, and/or performance of non-disruptive file migrations.
  • Hypervisor 126-4 may provide hardware virtualization techniques that allow multiple operations systems (e.g., “guest operating systems”) to execute concurrently on a host computer, such as computing resource 126 a-d. Hypervisor 126-4 may present a virtual operating platform to the guest operating systems and may manage the execution of the guest operating systems multiple instances of a variety of operating systems and may share virtualized hardware resources.
  • In an embodiment, a user of a user device may desire to request pre-qualification for a loan for purchasing a product from a lender or one or more of multiple lenders using the first or second buyer applications 144, 145. In response to launching the first buyer application 144 or second buyer application 145 (e.g., lender or seller channel), the user may be prompted to input user information for transmitting a prequalification request. The first buyer application 144 or second buyer application 145 may receive input from a user for requesting prequalification for a loan for purchasing a product. The input may be user information needed to process the prequalification request. For example, the user information may include, full name, address, social security number, employment information, salary, and/or the like. The user device 140 may transmit the prequalification request including received user information, to the central system 100.
  • The central system 100 may receive the prequalification request including the user information. The central system 100 may transmit the user information to the prequalification micro-service 102. The prequalification micro-service 102 may identify the application transmitting the prequalification request or the channel from which the prequalification request is initiated (e.g., first or second buyer application 144, 145). Initially, the prequalification micro-service 102 may interface with third-party credit bureau's to execute a soft pull for the user to determine the user's credit score, using the user's personal information. Soft pulls are soft credit inquires that do not affect the user's credit score. The prequalification micro-service 102 may retrieve methodologies (e.g. decisioning logic) used by the lenders to process prequalification. Each lender may have different methodologies for processing the prequalification for the user. Furthermore, each lender may have different methodologies for processing the prequalification for the user, based on the identified application transmitting the prequalification request or the channel from which the prequalification request is initiated. For example, the prequalification micro-service 102 may identify that a buyer application has transmitted the prequalification request. The prequalification micro-service 102 may retrieve methodologies for processing prequalification requests received from buyer applications, for each lender. The prequalification micro-service 102 may process, in parallel, the user's pre-qualification request, using the user's personal information, soft pull and retrieved methodologies associated with each respective lender. The prequalification micro-service 102 can call the pricing micro-service 108 to generate the Annual Percentage Rate (APR) using the user's personal information, soft pull and retrieved methodologies associated with each respective lender. The prequalification micro-service 102 may generate prequalification results including decisions of prequalification of the loan from various lenders and loan details offered by each of the lenders, based on the user's personal information, soft pull, and methodologies specific to each lender. For example, the loan details may include the APR.
  • The central system 100 may route the prequalification results to the user device 140. In an embodiment, the central system 100 may transmit the prequalification results to the user device 140 be rendered on the first or second buyer applications 144, 145. The customers micro-service 110 may also store the prequalification results in the applications database 146. The customers micro-service 110 may maintain an association between the user and the prequalification results, in the applications database 146. The prequalification results may have a prequalification identifier and the user may have a user identifier. The user identifier may be correlated to each prequalification result identifier.
  • The first or second buyer application 144, 145 may transmit a pricing request to the central application 100 to generate a pricing structure for a specified product. The eligibility micro-service 104 may determine whether the specified product is eligible for a loan. The customers micro-service 110 may query the applications database 146 to determine whether prequalification results existed for the user that had been processed within a specified time frame. The customers micro-service 110 may retrieve the prequalification results for the user from the applications database 146. The pricing micro-service 108 may interface with third-party credit bureaus to execute a hard credit pull on the user. In the event, prequalification results exist for the user, the pricing micro-service 108 may verify the loan details provided to the user in the prequalification result based on the hard pull. In response to verifying the loan details, the pricing micro-service 108 can generate a pricing structure based on a prequalification result. The pricing structure can include the same loan details as the prequalification result.
  • In the event, a prequalification result does not exist for a user, the pricing micro-service 108 is unable to verify the loan details based on the hard pull, or a user changes their purchasing structure, the pricing micro-service 108 can generate a new pricing structure. The pricing micro-service 108 may retrieve the lenders' methodologies for generating a pricing structure. The pricing micro-service 108 may generate a pricing structure for a loan for the specified product, based on the prequalification results, specified product details, the lenders' methodologies, and the hard credit pull. The respective pricing structure generated for the user for each lender may be the same as provided during the prequalification process regardless of the application or channel transmitting the pricing request if the prequalification results are generated for the same user within a given time frame. The pricing structure may include the loan details for the specified product. For example, the pricing structure may include, APR, payment schedule, terms and condition of the loan, type of loan, and/or the type.
  • The central system 100 may route the pricing structure to the user device 140. In an embodiment, the central system 100 may transmit the pricing structure to the user device 140 be rendered on the first or second buyer application 144, 145. The user may select to bookmark the pricing structure. In response to the user selecting to bookmark the pricing structure, the bookmark request may be transmitted to the central system 100. The bookmark micro-service 112 may store the pricing structure and correlate the pricing structure to the user in the pricing database.
  • The user may subsequently interact with a seller of the specified product to purchase the product. The seller of the specified product may launch the seller application 118 on the seller device 114 to initiate a pricing request for the specified product for the user. The seller may input information about the user on the seller application 118 and the specified product. The seller application 118 may transmit a pricing request for specified product and user to the central system 100.
  • The customers micro-service 110 may query the applications database 146 using the user information, to retrieve any prequalification results for the user. The customers micro-service may forward the user identifier received from the prequalification results to the bookmark micro-service 112. The bookmark micro-service 112 may query the pricing database 148 to determine whether the specified product had been priced for the user at a previous point in time, within a specified timeframe, using the user identifier. In response to determining the specified product had been priced for the user at a previous point in time, within a specified timeframe, the bookmark micro-service may retrieve the previously generated pricing structure. The pricing micro-service 108 provide the previously generated pricing structure to the user.
  • It can be appreciated that the initial prequalification or pricing request may be generated using the seller application 118 and subsequent pricing request may be generated using the first or second buyer applications 144, 145 (or vice versa). The lenders' methodologies applied to generate the prequalification results may be dependent on the type of the application transmitting the initial prequalification request. For example, the lenders' methodologies may be different when transmitting a prequalification request from the seller application 118, the first buyer application 144, or second buyer application 145. The different methodologies can affect the pricing structures.
  • As stated above, after transmitting the initial prequalification result, the pricing micro-service 108 may receive a pricing request from the first or second buyer applications 144 or 145. The pricing micro-service 108 may generate the pricing structures based on the prequalification request, irrespective of the type of application transmitting the pricing request (e.g., the first and second buyer application 144 and 145), given that the pricing request is received within a specified timeframe of the prequalification result.
  • As a non-limiting example, the seller may be an automobile dealership, the products may be automobiles and the type of loan may be auto-financing.
  • FIG. 2 is block diagrams illustrating an architecture implementing the system described herein, according to an embodiment. The architecture may include a buyer UI 200, a seller UI 202, a Digital Retailer 204, Buy/Sell API 210, and a multi-lender layer 212. The buyer UI 200 may correspond with the first and second buyer application. The seller UI 202 may correspond with the seller application. The Buy/Sell API 210 may reside in an experience layer 208. The Buy/Sell API 210 may facilitate communication between the buyer UI 200, seller UI 202, and/or Digital Retailer 103 and the multi-lender layer 212. The architecture may further include a lender portal 220 through which lenders may access the multi-lender layer.
  • The multi-lender layer 212 may include an API Passthru 214 and a vault 216. The vault 216 may reside in the central system. The API Passthru 214 may be an API Gateway. The API Passthru 214 may be responsible for request routing, composition, and protocol translation. The lender portal 220 may also reside in the multi-lender layer 212. The vault 216 may include micro-processes such as prequalification 102, product eligibility 104, and pricing 10. The vault 216 may also include an encrypted logs 222 and a lender confidential repository 221. The encrypted logs 222 may be a data repository.
  • In an embodiment, a plurality of lenders 226 may interface with the lender portal 220 to upload and/or communicate information (e.g., methodologies) associated with their prequalification, product eligibility, and pricing, to the vault 216. The information may include rules, algorithms, equations, restrictions, and/or the like, which govern the process of offering users loans for products at determined prices. The information may be stored in the lender confidential repository 221. In an embodiment, the information received and stored in an encrypted format. Alternatively, the information may be received in an encrypted format. The vault 216 may decrypt the information using the encryption service 218 and store the information in a decrypted format.
  • In an embodiment, the prequalification micro-service 102 may retrieve prequalification information for a lender. The lender's prequalification information may include prequalification rules, methodologies, or algorithms, on how to process prequalification requests. The prequalification micro-service 102 may generate a prequalification result for the user using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender. For example, prequalification micro-service 102 may call on the eligibility micro-service 104 to determine whether the product is eligible for a loan from the lender. The eligibility micro-service 104 can use the lender's prequalification information and product information to determine whether the product is eligible for a loan. Once the eligibility micro-service 104 confirms that the product is eligible for a loan from the lender, the prequalification micro-service 102 can generate the prequalification result using the user's information, the received credit information, information about the specific product, information about the third-party, and the prequalification information for the lender. The prequalification micro-service 102 can call the pricing micro-service 108 to determine an APR and pricing information. The prequalification result can include a specific APR and pricing information for the specific user and product. This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing structure that includes the same APR and pricing information for the specific user and product as in the prequalification result.
  • As lenders 226 may upload proprietary information (e.g. decisioning and pricing logic) into the vault 216, the vault 216 may provide a secure environment in which the proprietary information may not be visible to anyone else (including the administrator of the multi-lender architecture) other than the lender. The vault 216 may reside in a jailed, self-contained network, configured to receive and transmit data in an encrypted format. In this self-contained network, lenders may manage their separate accounts. Each lender can securely manage its loan eligibility criteria, rules, filing policies, and/or the like. Lenders 226 may view their data inside the vault 216 and may not view data associated with other lenders 226. The data inside the vault 216 may not be visible to users through the buyer UI, seller UI 202, or Digital retailer 204.
  • In an embodiment, buyer UI 200 may correspond an application configured to search for products and procure pricing structure for a loan from various lenders, executing on a customer's device. Seller UI 202 may be an application configured for searching for products and procuring pricing structure for a loan from various lenders, executing on a seller's device. Digital retailer 204 can be a website or online application configured to sell products and allow users to interface with a lender to obtain a loan for a product sold on the website. The loan can be one or more of: an automobile loan, a mortgage, unsecured personal loans, secured personal loans, debt consolidation loans, or variable-interest loans. The product for sale can be a house, car, motorcycle, recreational vehicle (RV), aircraft, boat, and/or the like.
  • As an example, a user may interface with buyer UI 200, seller application 118, or digital retailer 204 in an attempt to obtain a pricing structure for a loan for a product. In one embodiment, the buyer UI 200, seller UI 202, or digital retailer 204 may each render different graphical user interfaces (GUIs) configured to receive input from the user which may be transmitted to the multi-lender layer for further processing, to obtain pricing structure for a loan for a product. The input information may be transmitted to the multi-lender layer 212 through the Buy/Sell API 210. Information may be communicated from the multi-lender layer 212 to buyer UI 200, seller UI 202, or Digital retailer 204 through the Buy/Sell API 210, to be rendered in the respective GUI.
  • In one embodiment, a digital retailer 204 (i.e., a third-party system) may be embodied as a web domain associated with the seller. Digital retailer 204 may render a hyperlink. The Digital retailer 204 may interface with the multi-lender layer 212 using the hyperlink.
  • In an embodiment, the seller UI 202 may interface with the multi-lender layer 212 to determine prequalification, product eligibility, and pricing as described with respect to buyer UI 200. The seller UI 202 may transmit a link directed to the multi-layer lender to initiate a prequalification request to a user device. As an example, the seller UI 202 may transmit the link via Short Messaging Service (SMS) or e-mail message to the user device. The user may transmit a prequalification request using the link as described above.
  • The prequalification micro-service 102 may receive a prequalification request from the seller UI 202 for a user and a specified product. The prequalification micro-service 102 may generate a prequalification result as described above. The prequalification result may include loan details for the user and product.
  • Subsequently, the pricing micro-service 108 may receive a pricing request from the buyer UI 200 for the same user and product. The pricing micro-service can use the generated prequalification result to generate a pricing structure, given that the pricing request was transmitted within a specified timeframe of the prequalification request. The pricing structure can include the same loan details as the prequalification result.
  • The vault 216 may process the prequalification, product eligibility, and pricing structure associated with building a loan offer for multiple lenders, in parallel, using proprietary information provided by each lender. As described above, the vault 216 may be a jailed environment, such that, while the lenders 226 may provide their proprietary information for building a loan offer to be stored in the vault 216, the lenders or users may not access or view other lenders' proprietary information for building a loan offer. This configuration provides a technical advantage over conventional systems because this configuration can generate multiple loan offers from various lenders in parallel using each lender's proprietary information while maintaining a secure jailed environment restricting access or visibility to the lenders' proprietary information.
  • As an example, the user may interface with the buyer UI 200 to obtain a pricing structure for a loan for a product. The buyer UI 200 may present a selection for requesting to getting prequalified. In response to the user selecting the request for getting pre-qualified, the buyer UI 200 may receive input associated with personal information of the user (e.g., name, address, asset information, salary, employment information, social security number, and/or the like). In one embodiment, the buyer UI 200 transmits the encrypted personal information and prequalification request to the multi-lender layer 212, via the Buy/Sell API 210, using Hypertext Transfer Protocol Secure (HTTPS). In an embodiment, the buyer UI 200 may encrypt the personal information and prequalification request and transmit the encrypted personal information and prequalification request to the multi-lender layer 212, via the Buy/Sell API 210. In another embodiment, portions of the personal information may be encrypted by the buyer UI 200, such as the social security number (SSN).
  • The Buy/Sell API 210 can determine which lenders can provide loans for products based on personal information. For example, the Buy/Sell API 210 may determine a set of lenders can provide loans for products based on the personal information provided by the user. The Buy/Sell API 210 can generate a prequalification request for each lender in the set of lenders and transmit each request to the multi-lender layer 212.
  • The API Passthru 214 may receive the encrypted input from the Buy/Sell API 210, in the multi-lender layer 212. The API Passthru 214 may forward the personal information along with the prequalification requests for each lender of the set of lenders to the vault 216. The vault 216 may execute the prequalification micro-service 102. The prequalification micro-service 102 may interface with third party credit bureaus to retrieve user credit information using the decrypted personal information associated with the user. The prequalification micro-service 102 may request the third party credit bureaus to initiate a soft pull. The prequalification micro-service 102 may retrieve prequalification information associated with each of the set of lenders from the lender confidential repository 221. The prequalification micro-service 102 may retrieve information associated with each of the set of lenders for processing a prequalification result, based on the type of application (e.g., buyer application) transmitting the request. Lenders may process prequalification differently depending on the channel from which a request is received, e.g. whether the request is received through the buyer UI 200 or through the seller UI 202 may be a factor that effects a decisioning or pricing determination. For example, some lenders may offer special deals to sellers for generating loans for their buyers. Alternatively, some lenders may offer promotions to buyers for applying for loans on their own using the buyer UI 200. The lender proprietary information may include rules on how each lender processes prequalification.
  • The prequalification micro-service 102 may process, in parallel, the user's prequalification request for each of the set of lenders using the user's personal information and the prequalification information associated with each respective lender. As described above, the prequalification may be different for each lender. For example, each lender may require different thresholds of employment information, salary, and/or credit scores.
  • The prequalification micro-service 102 may generate prequalification results, in response to processing the user's prequalification request for each of the multiple lenders. The prequalification results may include a subset of lenders from the set of lenders which have pre-qualified the user for a loan for a product based on the personal information of the user, and the and the prequalification information associated with the respective lender. The prequalification results can include a decision on whether the lender has pre-qualified a user for a loan for a product. In an embodiment, the prequalification results may also include information associated with the loan such as a range of possible Annual Percentage Rates (APRs) and terms and conditions of the loans. In an embodiment, the vault 216 may transmit the prequalification results to the buyer UI 200 unencrypted. Alternatively, the vault 216 may encrypt the prequalification results using the encryption service 218 and transmit the encrypted prequalification results to the API Passthru 214. The API Passthru 214 may forward the prequalification results to the Buy/Sell API 210. The Buy/Sell API 210 may transmit the prequalification results to the buyer UI 200. In the event the prequalification results are encrypted, the buyer UI 200 can decrypt the encrypted prequalification results. The buyer UI 200 can render the prequalification results on the buyer UI's GUI.
  • Continuing from the earlier example, after the prequalification results being rendered on the GUI of the buyer UI 200, the buyer UI 200 may receive a selection of a product intended for purchase, from a user. The buyer UI 200 may transmit the information associated with the selected product (e.g., a vehicle make, model, mileage, year, dealership, and/or the like) to the multi-lender layer 212, via the Buy/Sell API 210.
  • The API Passthru 214 may receive the information associated with the selected product of the user from the Buy/Sell API 210, in the multi-lender layer 212. The API Passthru 214 may forward the information associated with the selected product to the vault 216. The vault 216 may decrypt the encrypted information associated with the selected product, using the encryption service 218. The vault 216 may execute the product eligibility micro-service 104. The product eligibility micro-service 104 may retrieve product eligibility information associated with the lenders included in the subset of lenders, from the lender confidential repository 221. The product eligibility micro-service 104 may determine, in parallel, whether the selected product is eligible for a loan from a given lender based on the information associated with the selected product and information associated with product eligibility for each of the respective lenders. The information associated with product eligibility may be different for each lender. For example, each lender may have different requirements for make, model, year, mileage, price, and/or the like. In this regard, the product eligibility micro-service 104 may determine certain products are not eligible for loans provided by lenders.
  • The product eligibility micro-service 104 may generate product eligibility results. The product eligibility results may include one or more lenders from the subset lenders, for which the product eligibility micro-service 104 determined the selected product is eligible for a loan. The API Passthru 214 may forward the product eligibility results to the Buy/Sell API 210. The buyer UI 200 may render the decrypted product eligibility results on the buyer UI 200 GUI.
  • Continuing with the earlier example, after the product eligibility results are rendered on the GUI of the buyer UI 200, the buyer UI 200 may receive a request to build a loan offer for a selected product, from a user. The request may include information associated with the desired loan, such as the price of a selected product, down payment amount, loan amount, tax amount, dealer fees, service contract, GAP, and/or the like. The buyer UI 200 may encrypt the information associated with the request for building an offer and transmit the information associated with the request for building an offer to the multi-lender layer 212, via the Buy/Sell API 210. Alternatively, the Buy/Sell API 210 may encrypt the information associated with the request for building an offer and transmit the encrypted information associated with the request for building an offer to the multi-lender layer 212. In yet another example, the buyer UI 200 may transmit the request including the information to the multi-lender layer 212, unencrypted, using the Buy/Sell API 210. The Buy/Sell API 210 may determine that the user is eligible for a loan from one or more lenders, based on the prequalification results and the product eligibility results. The Buy/Sell API 210 can generate pricing offer requests for each of the one or more lenders and transmit the requests to the multi-lender layer 212.
  • The API Passthru 214 may receive the information associated with the request for building an offer from the Buy/Sell API 210 and the requests for each of the one or more lenders, in the multi-lender layer 212. The API Passthru 214 may forward the information associated with the requests for each of the one or more lenders for building an offer to the vault 216. The vault 216 may execute the pricing micro-service 108. The pricing micro-service 108 may retrieve rules or methodologies for generating pricing structures for each of the one or more lenders, from the lender confidential repository 221. Generation of the pricing structure may include using Bayesian regression algorithms, decision trees, pricing girds or various equations to price a loan offer. The rules may also provide sources for retrieving certain information. For example, a lender may need to use the prequalification results and/or product eligibility results. The lender may indicate to the pricing micro-service 108 to retrieve the prequalification results and/or product eligibility results. Alternatively, or in addition to, the rules may include instructions to retrieve information from third-party vendors. Accordingly, the pricing micro-service 106 may retrieve the information using the third-party vendors. The pricing micro-service 106 may process and build, in parallel, a loan offer based on the information associated with the request for building an offer, for each of the one or more lenders using information associated with pricing for each of the respective lenders. Additionally, each lender may use a different methodology for calculating pricing for a loan offer.
  • The pricing micro-service 106 may generate pricing structures for a loan for the product from various lenders. The pricing structures may include loan amounts, interest rates, and terms and conditions of the loan. The vault 216 may encrypt the offers using the encryption service 218 and transmit the encrypted product offers the API Passthru 214. The API Passthru 214 may forward the encrypted offers to the Buy/Sell API 210. In an example, the Buy/Sell API 210 may decrypt the encrypted offers and interface with the buyer UI 200 to render the decrypted offers on the buyer UI 200. Alternatively, the Buy/Sell API 210 may transmit the encrypted offers to the buyer UI 200. The buyer UI 200 can decrypt the encrypted offers and render the decrypted offers on the buyer UI 200.
  • The architecture may also include an analytic aggregator 224. The analytic aggregator may be embodied as a micro-service residing in the vault 216. The analytic aggregator 224 may capture all of the data generated in the vault 216 for each user (e.g., prequalification results, product eligibility results, and offers) for each lender and store the captured data in the encrypted logs 222. The captured data may be encrypted in a format specific to a given lender, such that, a lender may only decrypt data from the encrypted logs 222. A lender may download data logs from the encrypted logs 222 specifics to the lender itself.
  • In an embodiment, the architecture may be associated with a financial institution (e.g., bank or lender). As an example, the administrator of the architecture may be a financial institution. The financial institution may use its own lending platform 232. The lending platform 232 may include a loan origination system (LOS) 234. The buyer UI 200 may communicate back and forth with the loan origination system 232 of the lending platform 232 to generate a loan offer from the financial institution, via the Buy/Sell API 210 and the API Passthru 214 in the multi-lender layer 212. The buyer UI 200 may communicate back and forth with the loan origination system 234 of the lending platform 232 to generate a loan offer from the financial institution, in parallel, with the micro-processes (e.g., prequalification 102, product eligibility 104, and pricing 108) generating loan offers from various lenders in the vault 216. The loan offers from the financial institution may be presented alongside the loan offers from the other lenders on the GUI of the buyer UI 200.
  • In an embodiment, the architecture may include a third-party loan origination system API 228. In the case, a lender does not upload information associated with prequalification, product eligibility, and pricing, the third-party loan origination system API 228 may generate a loan offer for the lender. The third-party loan origination system API 228 may communicate back and forth with the buyer UI 200, via the Buy/Sell API 210 and the API Passthru 214 in the multi-layer lender 212, to generate a loan offer. buyer UI 200 may communicate back and forth with the third-party loan origination system API 228 of the third-party API to generate a loan offer from the financial institution, in parallel, with the micro-processes (e.g., prequalification 102, product eligibility 104, and pricing 108) generating loan offers from various lenders in the vault 216.
  • FIG. 3 is a block diagram illustrating an expanded view of the experience layer 208 in accordance to an embodiment. The Buy/Sell API 210 may reside in the experience layer of the multi-lender architecture. The Buy/Sell API 210 may be used to interface between clients such as buyer UI 200, seller UI 202, and Digital retailer 204, and the multi-lender layer.
  • The experience layer 208 may further include the customers micro-service 110, the bookmark micro-service 112, a marketplace module 301, pricing module 302, an application module 303, an offer module 304, a seller (e.g., dealer) module 305, and a pricing cache 306. The experience layer 208 may use the market place module 301, pricing module 302, the application module 303, offer module 304, dealer module 305, and pricing cache 306 to provide consistent and reliable pricing structure to a user by storing the pricing, prequalification, and applications submitted by a user for a specified period of time.
  • The application module 303 may route prequalification requests to the prequalification micro-service and may receive the prequalification results. The application module 303 may store prequalification results in the prequalification database 146. The prequalification results may be correlated to various users. The pricing module 302 may route pricing requests to the pricing micro-service and receive the pricing structures from the pricing micro-service. The pricing module 302 may store pricing structures generated for a given product in the pricing database 148. The pricing structures can be correlated to a user. In an embodiment, the pricing cache 306 may store pricing structures generated for a given product for a particular user for a short period of time (e.g., single session). The offers module 304 may route a purchase request for a given product for a user to the pricing micro-service. The offers module 304 may store final pricing structures offered to a user in the offers database 308.
  • The marketplace module 301 may store information associated with lenders and products. The information the marketplace module 301 may be updated in real-time. For example, a user may apply for a loan for a product. The Buy/Sell API 210 may filter out lenders from the marketplace which may not provide loans for the product based on the personal information of the user or the product itself. Additionally, as the application for the loan is processed, each time a lender rejects or approves the loan, the marketplace module 301 may update the repository. Furthermore, based on the lenders for which the loans are being processed, the Buy/Sell API 210 can filter out the ineligible products from the marketplace module 301 which may not be eligible for a loan.
  • The seller module 305 may manage the information associated with different dealers. For example, seller UI 202 may communicate with the dealer module 305 to retrieve dealer specific information from the module 305. The dealer specific information may include dealer requirements for purchasing automobiles, partnerships with lenders and vendors, dealer inventory, and/or the like.
  • The customers micro-service 110 may maintain an association for prequalification results obtained by a user in the applications database 146. The bookmark micro-service 112 may capture snapshots of pricing structures generated for a user and a particular product. The bookmark micro-service 112 may store and correlate the user to the pricing structure in the pricing database 148.
  • FIG. 4 is an example flowchart 400 for obtaining consistent pricing for a loan for a product. In operation 402, a prequalification micro-service may generate a prequalification result in response to an initial prequalification request for a user.
  • In operation 404, a central system may store the prequalification in an applications database.
  • In operation 406, the central system may generate a pricing structure for a specified product for a user, based on the prequalification result.
  • In operation 408, a bookmarking micro-service may store the pricing structure for the specified product for the user in a pricing database, for a predetermined time frame, in response to receiving a request to bookmark the pricing structure.
  • In operation 410, the central system may receive a pricing request for the specified product for the user.
  • In operation 412, the central system may query the applications database, using a customer micro-service, to determine whether a prequalification result for the user exists, based on the user information.
  • In operation 414, in response to determining the prequalification request for the user exists, the central system may query the pricing database, using the bookmark micro-service, to determine whether a pricing structure for the specified product has been generated for the user in the predetermined time frame.
  • In operation 416, in response to determining a pricing structure for the specified product has been generated for the user in the predetermined time frame, the central system may transmit the pricing structure for the specified product.
  • FIG. 5 is an example flowchart 500 for obtaining consistent pricing for a loan for a product. In operation 502, in response to receiving an initial prequalification request, the central system may identify a type of application transmitting the initial prequalification request.
  • In operation 504, the central system may identify a set of rules tied to the type of application transmitting the initial prequalification request. Lenders can vary the type of rules and methodologies used to calculate a prequalification result or pricing structure based on the type of application transmitting the request. For example, different methodologies can be used if the request is transmitted using a seller application, first buyer application, or second buyer application.
  • In operation 506, the central system may process the prequalification request based on the set of rules to generate the prequalification result. This can be an actionable prequalification result. That is, the user can select this prequalification result to obtain a final loan-pricing offer that includes the same APR and pricing information for the specific user and product as in the prequalification result. So, if the user transmitted a pricing request from a different application within a given timeframe of transmitting the prequalification request, the system may provide the final loan pricing offer (e.g., pricing structure) can include the same details as the prequalification result.
  • FIG. 6 is a block diagram of example components of device 600. One or more computer systems 600 may be used, for example, to implement any of the embodiments discussed herein, as well as combinations and sub-combinations thereof. Computer system 600 may include one or more processors (also called central processing units, or CPUs), such as a processor 604. Processor 604 may be connected to a communication infrastructure or bus 606.
  • Computer system 600 may also include user input/output device(s) 603, such as monitors, keyboards, pointing devices, etc., which may communicate with communication infrastructure 606 through user input/output interface(s) 602.
  • One or more of processors 604 may be a graphics processing unit (GPU). In an embodiment, a GPU may be a processor that is a specialized electronic circuit designed to process mathematically intensive applications. The GPU may have a parallel structure that is efficient for parallel processing of large blocks of data, such as mathematically intensive data common to computer graphics applications, images, videos, etc.
  • Computer system 600 may also include a main or primary memory 608, such as random access memory (RAM). Main memory 608 may include one or more levels of cache. Main memory 608 may have stored therein control logic (i.e., computer software) and/or data.
  • Computer system 600 may also include one or more secondary storage devices or memory 610. Secondary memory 610 may include, for example, a hard disk drive 612 and/or a removable storage device or drive 614.
  • Removable storage drive 614 may interact with a removable storage unit 618. Removable storage unit 618 may include a computer-usable or readable storage device having stored thereon computer software (control logic) and/or data. Removable storage unit 618 may be program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an EPROM or PROM) and associated socket, a memory stick and USB port, a memory card and associated memory card slot, and/or any other removable storage unit and associated interface. Removable storage drive 614 may read from and/or write to removable storage unit 618.
  • Secondary memory 610 may include other means, devices, components, instrumentalities or other approaches for allowing computer programs and/or other instructions and/or data to be accessed by computer system 600. Such means, devices, components, instrumentalities or other approaches may include, for example, a removable storage unit 622 and an interface 620. Examples of the removable storage unit 622 and the interface 620 may include a program cartridge and cartridge interface (such as that found in video game devices), a removable memory chip (such as an EPROM or PROM) and associated socket, a memory stick and USB port, a memory card and associated memory card slot, and/or any other removable storage unit and associated interface.
  • Computer system 600 may further include a communication or network interface 624. Communication interface 624 may enable computer system 600 to communicate and interact with any combination of external devices, external networks, external entities, etc. (individually and collectively referenced by reference number 628). For example, communication interface 624 may allow computer system 600 to communicate with external or remote devices 628 over communications path 626, which may be wired and/or wireless (or a combination thereof), and which may include any combination of LANs, WANs, the Internet, etc. Control logic and/or data may be transmitted to and from computer system 600 via communication path 626.
  • Computer system 600 may also be any of a personal digital assistant (PDA), desktop workstation, laptop or notebook computer, netbook, tablet, smartphone, smartwatch or other wearables, appliance, part of the Internet-of-Things, and/or embedded system, to name a few non-limiting examples, or any combination thereof.
  • Computer system 600 may be a client or server, accessing or hosting any applications and/or data through any delivery paradigm, including but not limited to remote or distributed cloud computing solutions; local or on-premises software (“on-premise” cloud-based solutions); “as a service” models (e.g., content as a service (CaaS), digital content as a service (DCaaS), software as a service (SaaS), managed software as a service (MSaaS), platform as a service (PaaS), desktop as a service (DaaS), framework as a service (FaaS), backend as a service (BaaS), mobile backend as a service (MBaaS), infrastructure as a service (IaaS), etc.); and/or a hybrid model including any combination of the foregoing examples or other services or delivery paradigms.
  • Any applicable data structures, file formats, and schemas in computer system 600 may be derived from standards including but not limited to JavaScript Object Notation (JSON), Extensible Markup Language (XML), Yet Another Markup Language (YAML), Extensible Hypertext Markup Language (XHTML), Wireless Markup Language (WML), MessagePack, XML User Interface Language (XUL), or any other functionally similar representations alone or in combination. Alternatively, proprietary data structures, formats or schemas may be used, either exclusively or in combination with known or open standards.
  • In some embodiments, a tangible, non-transitory apparatus or article of manufacture comprising a tangible, non-transitory computer useable or readable medium having control logic (software) stored thereon may also be referred to herein as a computer program product or program storage device. This includes, but is not limited to, computer system 600, main memory 608, secondary memory 610, and removable storage units 618 and 622, as well as tangible articles of manufacture embodying any combination of the foregoing. Such control logic, when executed by one or more data processing devices (such as computer system 600), may cause such data processing devices to operate as described herein.
  • Embodiments of the present disclosure have been described above with the aid of functional building blocks illustrating the implementation of specified functions and relationships thereof. The boundaries of these functional building blocks have been arbitrarily defined herein for the convenience of the description. Alternate boundaries may be defined so long as the specified functions and relationships thereof are appropriately performed.
  • The foregoing description of the specific embodiments will so fully reveal the general nature of the disclosure that others may, by applying knowledge within the skill of the art, readily modify and/or adapt for various applications such specific embodiments, without undue experimentation, without departing from the general concept of the present disclosure. Therefore, such adaptations and modifications are intended to be within the meaning and range of equivalents of the disclosed embodiments, based on the teaching and guidance presented herein. It is to be understood that the phraseology or terminology herein is for the purpose of description and not of limitation, such that the terminology or phraseology of the present specification is to be interpreted by the skilled artisan in light of the teachings and guidance.
  • The breadth and scope of the present disclosure should not be limited by any of the above-described exemplary embodiments but should be defined only in accordance with the following claims and their equivalents.

Claims (20)

What is claimed is:
1. A method for providing consistent pricing information, the method comprising:
generating, by one or more computing devices, a prequalification result in response to an initial prequalification request for a user;
storing, by the one or more computing devices, the prequalification result in an applications database;
generating, by the one or more computing devices, a pricing structure for a specified product for the user, based on the prequalification result;
storing, by the one more computing devices, the pricing structure for the specified product for the user, in a pricing database, for a predetermined time frame, using a bookmarking micro-service;
receiving, by the one or more computing devices, a pricing request for the specified product for the user, the pricing request including user information;
querying, by the one or more computing devices, the applications database, using a customer micro-service, to determine whether a prequalification result for the user exists, based on the user information;
in response to determining the prequalification result for the user exists, querying, by the one or more computing devices, the pricing database, using the bookmark micro-service, to determine whether a pricing structure for the specified product has been generated for the user in the predetermined time frame; and
in response to determining a pricing structure for the specified product has been generated for the user in the predetermined time frame, transmitting, by the one or more computing devices, the pricing structure for the specified product.
2. The method of claim 1, further comprising identifying, by the one or more computing devices, the pricing structure in the pricing database based on a prequalification identifier of the prequalification result and a user identifier of the user.
3. The method of claim 1, further comprising:
identifying, by the one or more computing devices, a type of application transmitting the initial prequalification request;
identifying, by the one or more computing devices, a set of rules tied to the type of application transmitting the initial prequalification request; and
processing, by the one or more computing devices, the prequalification request based on the set of rules to generate the prequalification result.
4. The method of claim 1, wherein the pricing structure includes product information, user information, and lender information.
5. The method of claim 1, further comprising:
receiving, by the one or more computing devices, a second pricing request of the specified product for the user; and
generating, by the one or more computing devices, a second pricing structure for the specified product.
6. The method of claim 1, further comprising receiving, by the one or more computing devices, an initial pricing request for the specified product.
7. The method of claim 1, wherein receiving the initial pricing request from an application of a first type executing on a user device and receiving the pricing request from an application of a second type executing on a seller device.
8. A system for providing consistent pricing information, the system comprising:
a memory;
a processor copulated to the memory, the processor configured to:
generate a prequalification result in response to an initial prequalification request for a user;
store the prequalification result in an applications database;
generate a pricing structure for a specified product for the user, based on the prequalification result;
store the pricing structure for the specified product for the user, in a pricing database, for a predetermined time frame, using a bookmarking micro-service;
receive a pricing request for the specified product for the user, the pricing request including user information;
query the applications database, using a customer micro-service, to determine whether a prequalification result for the user exists, based on the user information;
in response to determining the prequalification result for the user exists, query the pricing database, using the bookmark micro-service, to determine whether a pricing structure for the specified product has been generated for the user in the predetermined time frame; and
in response to determining a pricing structure for the specified product has been generated for the user in the predetermined time frame, transmit the pricing structure for the specified product.
9. The system of claim 8, wherein the processor is further configured to: identify the pricing structure in the pricing database based on a prequalification identifier of the prequalification result and a user identifier of the user.
10. The system of claim 8, the processor is further configured to:
identify a type of application transmitting the initial prequalification request;
identify a set of rules tied to the type of application transmitting the initial prequalification request; and
process the prequalification request based on the set of rules to generate the prequalification result.
11. The system of claim 8, wherein the pricing structure includes product information, user information, and lender information.
12. The system of claim 8, wherein the processor is further configured to:
receive a second pricing request of the specified product for the user; and
generate a second pricing structure for the specified product.
13. The system of claim 8, wherein the processor is further configured to: receive an initial pricing request for the specified product.
14. The system of claim 8, the processor is further configured to:
receive the initial pricing request from an application of a first type executing on a user device and receiving the pricing request from an application of a second type executing on a seller device.
15. 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 perform operations comprising:
generating a prequalification result in response to an initial prequalification request for a user;
storing the prequalification result in an applications database;
generating a pricing structure for a specified product for the user, based on the prequalification result;
storing the pricing structure for the specified product for the user, in a pricing database, for a predetermined time frame, using a bookmarking micro-service;
receiving a pricing request for the specified product for the user, the pricing request including user information;
querying the applications database, using a customer micro-service, to determine whether a prequalification result for the user exists, based on the user information;
in response to determining the prequalification result for the user exists, querying the pricing database, using the bookmark micro-service, to determine whether a pricing structure for the specified product has been generated for the user in the predetermined time frame; and
in response to determining a pricing structure for the specified product has been generated for the user in the predetermined time frame, transmitting the pricing structure for the specified product
16. The non-transitory computer-readable medium of claim 15, wherein the instructions when executed cause the one or more processors to:
identify, by the one or more computing devices, the pricing structure in the pricing database based on a prequalification identifier of the prequalification result and a user identifier of the user.
17. The non-transitory computer-readable medium of claim 15, wherein the instructions when executed cause the one or more processors to:
identify, by the one or more computing devices, a type of application transmitting the initial prequalification request;
identify, by the one or more computing devices, a set of rules tied to the type of application transmitting the initial prequalification request; and
process, by the one or more computing devices, the prequalification request based on the set of rules to generate the prequalification result.
18. The non-transitory computer-readable medium of claim 15, wherein the pricing structure includes product information, user information, and lender information.
19. The non-transitory computer-readable medium of claim 15, wherein the instructions when executed cause the one or more processors to:
receive, by the one or more computing devices, a second pricing request of the specified product for the user; and
generate, by the one or more computing devices, a second pricing structure for the specified product
20. The non-transitory computer-readable medium of claim 15, wherein the instructions when executed cause the one or more processors to:
receive, by the one or more computing devices, an initial pricing request for the specified product.
US16/882,279 2019-05-23 2020-05-22 System and method for providing consistent pricing information Abandoned US20200372531A1 (en)

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US16/882,163 Active 2040-09-10 US11935003B2 (en) 2019-05-23 2020-05-22 Jailed environment restricting programmatic access to multi-tenant data
US16/881,938 Active US11676102B2 (en) 2019-05-23 2020-05-22 Searchable index encryption
US17/196,738 Active 2041-03-20 US11797932B2 (en) 2019-05-23 2021-03-09 Securing lender output data
US17/411,115 Active US11875308B2 (en) 2019-05-23 2021-08-25 Normalization grid for secured multi-lender platform
US17/545,003 Active US11948128B2 (en) 2019-05-23 2021-12-08 Intelligent preprocessing routing to decisioning services
US17/830,558 Active US11687882B2 (en) 2019-05-23 2022-06-02 System and method for interfacing with a decisioning service from a third party domain
US17/831,624 Active US11720856B2 (en) 2019-05-23 2022-06-03 System and method for providing API version control
US18/140,073 Active US11972020B2 (en) 2019-05-23 2023-04-27 Flexible format encryption
US18/141,629 Pending US20230267414A1 (en) 2019-05-23 2023-05-01 Single sign-on through customer authentication systems
US18/141,633 Active US12056257B2 (en) 2019-05-23 2023-05-01 System and method for interfacing with a decisioning service from a third party domain
US18/141,637 Active US12001586B2 (en) 2019-05-23 2023-05-01 Searchable index encryption
US18/205,870 Pending US20230316228A1 (en) 2019-05-23 2023-06-05 System and method for providing api version control
US18/380,839 Active US12412152B2 (en) 2019-05-23 2023-10-17 Securing lender output data
US18/419,670 Pending US20240320367A1 (en) 2019-05-23 2024-01-23 Multi-lender platform that securely stores proprietary information for generating offers
US18/442,687 Active US12321894B2 (en) 2019-05-23 2024-02-15 Intelligent preprocessing routing to decisioning services
US18/588,542 Active US12321895B2 (en) 2019-05-23 2024-02-27 Self-service lender portal
US18/595,786 Active US12417434B2 (en) 2019-05-23 2024-03-05 Jailed environment restricting programmatic access to multi-tenant data
US18/648,914 Active US12430614B2 (en) 2019-05-23 2024-04-29 Flexible format encryption
US18/672,626 Active US12333497B2 (en) 2019-05-23 2024-05-23 Searchable index encryption
US18/794,119 Pending US20250036806A1 (en) 2019-05-23 2024-08-05 System and method for interfacing with a decisioning service from a third party domain
US19/207,520 Pending US20250272658A1 (en) 2019-05-23 2025-05-14 Self-service lender portal
US19/210,333 Pending US20250278696A1 (en) 2019-05-23 2025-05-16 Searchable index encryption
US19/290,993 Pending US20250356312A1 (en) 2019-05-23 2025-08-05 Securing lender output data
US19/302,239 Pending US20250378421A1 (en) 2019-05-23 2025-08-18 Jailed environment restricting programmatic access to multi-tenant data

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