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).

  • Patent number: 12190288
    Abstract: 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: Grant
    Filed: May 12, 2023
    Date of Patent: January 7, 2025
    Assignee: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Patent number: 12067616
    Abstract: 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: Grant
    Filed: November 28, 2022
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 12002089
    Abstract: 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: Grant
    Filed: December 22, 2021
    Date of Patent: June 4, 2024
    Assignee: Capital One Services, LLC
    Inventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
  • Patent number: 11694156
    Abstract: 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: Grant
    Filed: December 28, 2020
    Date of Patent: July 4, 2023
    Assignee: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Patent number: 11514520
    Abstract: 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: Grant
    Filed: December 14, 2021
    Date of Patent: November 29, 2022
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Publication number: 20220198557
    Abstract: 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: Application
    Filed: December 14, 2021
    Publication date: June 23, 2022
    Applicant: Capital One Services, LLC
    Inventors: Katherine FORRESTER, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 11250504
    Abstract: 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: Grant
    Filed: November 4, 2019
    Date of Patent: February 15, 2022
    Assignee: Capital One Services, LLC
    Inventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, Joanna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
  • Publication number: 20210192437
    Abstract: 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: Application
    Filed: December 28, 2020
    Publication date: June 24, 2021
    Applicant: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Patent number: 10878375
    Abstract: 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: Grant
    Filed: November 15, 2018
    Date of Patent: December 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Publication number: 20200193515
    Abstract: 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: Application
    Filed: January 29, 2020
    Publication date: June 18, 2020
    Applicant: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 10592981
    Abstract: 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: Grant
    Filed: January 16, 2015
    Date of Patent: March 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 10580071
    Abstract: 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: Grant
    Filed: January 4, 2018
    Date of Patent: March 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Publication number: 20200065898
    Abstract: 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: Application
    Filed: November 4, 2019
    Publication date: February 27, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
  • Patent number: 10467690
    Abstract: 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: Grant
    Filed: November 30, 2017
    Date of Patent: November 5, 2019
    Assignee: Capital One Services, LLC
    Inventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
  • Publication number: 20190087773
    Abstract: 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: Application
    Filed: November 15, 2018
    Publication date: March 21, 2019
    Applicant: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Patent number: 10163072
    Abstract: 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: Grant
    Filed: April 17, 2018
    Date of Patent: December 25, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Publication number: 20180232691
    Abstract: 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: Application
    Filed: April 17, 2018
    Publication date: August 16, 2018
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Patent number: 9978038
    Abstract: 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: Grant
    Filed: September 19, 2017
    Date of Patent: May 22, 2018
    Assignee: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fredrick Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik
  • Publication number: 20180130127
    Abstract: 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: Application
    Filed: January 4, 2018
    Publication date: May 10, 2018
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 9965741
    Abstract: 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: Grant
    Filed: December 16, 2016
    Date of Patent: May 8, 2018
    Assignee: Capital One Services, LLC
    Inventors: Chandra Dhandapani, Raman Bajaj, Gurmeet Singh, Ajmal Karuthakantakath, Fred Crable, Nicholas Dolle, Vikramaditya Repaka, Sanjiv Yajnik