Patents by Inventor Nicholas Dolle
Nicholas Dolle 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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Publication number: 20230359986Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: ApplicationFiled: May 12, 2023Publication date: November 9, 2023Applicant: Capital One Services, LLCInventors: Chandra DHANDAPANI, Raman BAJAJ, Gurmeet SINGH, Ajmal KARUTHAKANTAKATH, Frederick CRABLE, Nicholas DOLLE, Vikramaditya REPAKA, Sanjiv YAJNIK
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Patent number: 11694156Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: GrantFiled: December 28, 2020Date of Patent: July 4, 2023Assignee: Capital One Services, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Publication number: 20230097380Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: ApplicationFiled: November 28, 2022Publication date: March 30, 2023Applicant: Capital One Services, LLCInventors: Katherine FORRESTER, Nicholas DOLLE, Xiaoxiang ZHANG, Kurt JOHNSON, Jeffrey WHALEN, David GRAY, Shaun WEBB, Maninder SURI, Ruhaab MARKAS
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Patent number: 11514520Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: GrantFiled: December 14, 2021Date of Patent: November 29, 2022Assignee: Capital One Services, LLCInventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
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Publication number: 20220198557Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: ApplicationFiled: December 14, 2021Publication date: June 23, 2022Applicant: Capital One Services, LLCInventors: Katherine FORRESTER, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
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Publication number: 20220114662Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: December 22, 2021Publication date: April 14, 2022Applicant: Capital One Services, LLCInventors: Katherine D. FORRESTER, Patrick A. EBERLE, Nicholas DOLLE, Steven G. CHIAGOURIS, Joanna R. HARTZMARK, Xiaxiang ZHANG, Kurt JOHNSON, Kenneth S. CHILDS
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Patent number: 11250504Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: November 4, 2019Date of Patent: February 15, 2022Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, Joanna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Publication number: 20210192437Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: ApplicationFiled: December 28, 2020Publication date: June 24, 2021Applicant: Capital One Services, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Patent number: 10878375Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: GrantFiled: November 15, 2018Date of Patent: December 29, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Publication number: 20200334719Abstract: Embodiments of the present disclosure provide systems, methods, and devices for utilizing an artificial intelligence engine to determine a probability of predictor variables satisfying a target condition are described. Example embodiments relate to a predictive model and development of a predictive model using an artificial intelligence system and/or machine learning techniques. Example embodiments of systems and methods may utilize AI based systems and models for facilitating communication and negotiation between multiple parties.Type: ApplicationFiled: April 19, 2019Publication date: October 22, 2020Inventors: Christopher BORCHERS, Sandeep VANKA, Nicholas DOLLE
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Publication number: 20200193515Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: ApplicationFiled: January 29, 2020Publication date: June 18, 2020Applicant: Capital One Services, LLCInventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
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Patent number: 10592981Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: GrantFiled: January 16, 2015Date of Patent: March 17, 2020Assignee: Capital One Services, LLCInventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
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Patent number: 10580071Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: GrantFiled: January 4, 2018Date of Patent: March 3, 2020Assignee: Capital One Services, LLCInventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
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Publication number: 20200065898Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: November 4, 2019Publication date: February 27, 2020Applicant: CAPITAL ONE SERVICES, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Patent number: 10467690Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: November 30, 2017Date of Patent: November 5, 2019Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Publication number: 20190087773Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: ApplicationFiled: November 15, 2018Publication date: March 21, 2019Applicant: Capital One Services, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Patent number: 10163072Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: GrantFiled: April 17, 2018Date of Patent: December 25, 2018Assignee: CAPITAL ONE SERVICES, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Publication number: 20180232691Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: ApplicationFiled: April 17, 2018Publication date: August 16, 2018Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Patent number: 9978038Abstract: Disclosed embodiments provide systems and techniques for mass execution of analytical models across multiple dimensions of client, collateral, deal structure, third party, and other data relevant to predicting optimal decisions in real-time. In some embodiments, disclosed systems and techniques increase decisioning speed through the reduction of computational loads on disclosed decisioning systems. Further disclosed systems and techniques may scale-out analytical modeling computations through, among other technological solutions, advanced execution environments that are asynchronous and non-blocking in nature so as to allow the execution of a plurality of analytical models in parallel and optimizing the results.Type: GrantFiled: September 19, 2017Date of Patent: May 22, 2018Assignee: Capital One Services, LLCInventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
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Publication number: 20180130127Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.Type: ApplicationFiled: January 4, 2018Publication date: May 10, 2018Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas