Patents by Inventor Alan ILANGO
Alan ILANGO has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11935002Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird, Vikramaditya Repaka, Hala Salim El-Ali
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Patent number: 11935003Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.Type: GrantFiled: May 22, 2020Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Raman Bajaj, Jacques Morel, Sanjiv Yajnik, Trent Jones, Alan Ilango, Jacob Creech, Avijit Sarkar, Rajaboopathy Vijayaraghavan, Ishu Gupta, Thomas Sickert
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Patent number: 11875308Abstract: A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.Type: GrantFiled: August 25, 2021Date of Patent: January 16, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Hala Salim El-Ali, Katelyn Ge, Alan Ilango
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Patent number: 11461843Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: October 4, 2022Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird
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Patent number: 11430059Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: August 30, 2022Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird
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Publication number: 20220027932Abstract: A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.Type: ApplicationFiled: August 25, 2021Publication date: January 27, 2022Applicant: Capital One Services, LLCInventors: Dinesh SUNDARAM, Hala Salim ELI-ALI, Katelyn GE, Alan ILANGO
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Patent number: 11138621Abstract: A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.Type: GrantFiled: May 22, 2020Date of Patent: October 5, 2021Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Hala Salim Eli-Ali, Katelyn Ge, Alan Ilango
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Publication number: 20200372211Abstract: A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.Type: ApplicationFiled: May 22, 2020Publication date: November 26, 2020Applicant: Capital One Services, LLCInventors: Dinesh SUNDARAM, Hala Salim ELI-ALI, Katelyn GE, Alan ILANGO
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Publication number: 20200372499Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: ApplicationFiled: May 22, 2020Publication date: November 26, 2020Applicant: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird, Vikramaditya Repaka, Hala Salim El-Ali
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Publication number: 20200372574Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: ApplicationFiled: May 22, 2020Publication date: November 26, 2020Applicant: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy VIJAYARAGHAVAN, Sanjiv YAJNIK, Raman BAJAJ, Jacques MOREL, Trent JONES, Thomas SICKERT, Jacob CREECH, Alan ILANGO, Alex BAIRD
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Publication number: 20200372576Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.Type: ApplicationFiled: May 22, 2020Publication date: November 26, 2020Applicant: Capital One Services, LLCInventors: Dinesh Sundaram, Raman BAJAJ, Jacques MOREL, Sanjiv YAJNIK, Trent JONES, Alan ILANGO, Jacob CREECH, Avijit SARKAR, Rajaboopathy VIJAYARAGHAVAN, Ishu GUPTA, Thomas SICKERT