Abstract: 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.

Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

Abstract: 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.

Abstract: 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.

Abstract: Methods, media and systems for providing search results are disclosed. A data set is received at a computing device of a first party from a client device associated with a second party. The data set is constructed based on a set of rules established by the second party, where one portion is inaccessible to the first party, while another portion is accessible to the first party. The accessible portion includes at least an information tag or a threshold value related to corresponding fields in the records. A set of records to be queried is eliminated based on at least one information tag or at least one threshold value. The remainder is searched at the computing device of the first party resulting in a set of search results. At least a portion of the search results are transmitted from the computing device of the first party to the second party.

Abstract: The present disclosure is directed to systems and methods for predicting an outcome of a user journey. For example, a method may include: monitoring interactions of a user with a plurality of touchpoints; predicting, based on a machine learning model, whether the interactions will result in a first outcome or a second outcome different than the first outcome, the machine learning being trained using a dataset based on historical interaction data, the dataset comprising a first plurality of patterns resulting in the first outcome and a second plurality of patterns resulting in the second outcome, wherein the predicting is based on a minimum number of interactions with the plurality of touchpoints; and providing an alternative interaction with the plurality of touchpoints to increase a probability that the interactions will result in the second outcome.

Abstract: A device obtains historical interaction data concerning a plurality of user interactions, where a user interaction of the plurality of user interactions includes one or more touchpoint sets, obtains historical response data concerning a plurality of user responses, where a user response of the plurality of user responses corresponds to a user interaction, and processes the historical interaction data and the historical response data using a modelling pipeline to determine an association between user interaction score and a touchpoint set. The device determines information concerning a current user interaction, processes the information concerning the current user interaction using the modelling pipeline to determine a current user interaction score and ranking of one or more touchpoint sets of the current user interaction, and causes, based on the current user interaction score and the ranking of the one or more touchpoint sets, at least one action to be performed.

Abstract: A device obtains historical interaction data concerning a plurality of user interactions, where a user interaction of the plurality of user interactions includes one or more touchpoint sets, obtains historical response data concerning a plurality of user responses, where a user response of the plurality of user responses corresponds to a user interaction, and processes the historical interaction data and the historical response data using a modelling pipeline to determine an association between user interaction score and a touchpoint set. The device determines information concerning a current user interaction, processes the information concerning the current user interaction using the modelling pipeline to determine a current user interaction score and ranking of one or more touchpoint sets of the current user interaction, and causes, based on the current user interaction score and the ranking of the one or more touchpoint sets, at least one action to be performed.

Abstract: 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.

Abstract: 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.

Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

Abstract: A device obtains historical interaction data concerning a plurality of user interactions, where a user interaction of the plurality of user interactions includes one or more touchpoint sets, obtains historical response data concerning a plurality of user responses, where a user response of the plurality of user responses corresponds to a user interaction, and processes the historical interaction data and the historical response data using a modelling pipeline to determine an association between user interaction score and a touchpoint set. The device determines information concerning a current user interaction, processes the information concerning the current user interaction using the modelling pipeline to determine a current user interaction score and ranking of one or more touchpoint sets of the current user interaction, and causes, based on the current user interaction score and the ranking of the one or more touchpoint sets , at least one action to be performed.