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 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.

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: 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.

Abstract: A set of computing nodes may receive a corresponding set of heartbeat messages that originated at the set of computing nodes. The set of heartbeat messages may relate to selecting, among the set of computing nodes, a leader computing node to process a set of jobs. State information included in the heartbeat messages may be provided to a leader election algorithm that outputs information indicating one or more computing nodes that are most qualified to process the set of jobs based on processing capabilities of the computing nodes and processing constraints associated with the set of jobs. The computing node may select itself as the leader computing node to process the set of jobs based on determining, from the information output by the leader election algorithm, that the computing node is most qualified to process the set of jobs and no other computing nodes are processing the set of jobs.

Abstract: Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

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.

Abstract: Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

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: An ad simulator having at least in-browser simulation capabilities is provided. In examples, the ad simulator may be a web browser extension, which a media developer, designer, etc. may use for ad display simulation. The browser extension may locate existing display ads on a webpage, one or more of which can be selected to be replaced with a new ad. A HyperText Transfer Protocol (HTTP) request may be made to an ad template rendering engine that returns a HyperText Markup Language (HTML) of a new ad personalized and targeted to a customer. The browser extension may then replace the existing ad with the new ad.

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 campaign server is disclosed which includes a multi-level queue architecture that isolates campaign processing from the delays and inconsistencies of target population information retrieval and a data streaming service system with latency and error remediation measures are disclosed, where the campaign server and the data consumption system can be part of a consolidated system. The data consumption system may include various components to process one or more offers to one or more customers and component configured to detect an error associated the preparation of the errors and/or ii) initiate a retry attempt to process the one or more offers, and and/or storing an instruction in a storage component of the streaming data system to permanently prohibit an attempt to generate the one or more offers at a subsequent time if the retry attempt expires without processing the one or more offers.

Abstract: An ad simulator having at least in-browser simulation capabilities is provided. In examples, the ad simulator may be a web browser extension, which a media developer, designer, etc. may use for ad display simulation. The browser extension may locate existing display ads on a webpage, one or more of which can be selected to be replaced with a new ad. A HyperText Transfer Protocol (HTTP) request may be made to an ad template rendering engine that returns a HyperText Markup Language (HTML) of a new ad personalized and targeted to a customer. The browser extension may then replace the existing ad with the new ad.

Abstract: A campaign server is disclosed which includes a multi-level queue architecture that isolates campaign processing from the delays and inconsistencies of target population information retrieval and a data streaming service system with latency and error remediation measures are disclosed, where the campaign server and the data consumption system can be part of a consolidated system. The data consumption system may include various components to process one or more offers to one or more customers and component configured to detect an error associated the preparation of the errors and/or ii) initiate a retry attempt to process the one or more offers, and/or storing an instruction in a storage component of the streaming data system to permanently prohibit an attempt to generate the one or more offers at a subsequent time if the retry attempt expires without processing the one or more offers.

Abstract: Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

Abstract: A set of computing nodes may receive a corresponding set of heartbeat messages that originated at the set of computing nodes. The set of heartbeat messages may relate to selecting, among the set of computing nodes, a leader computing node to process a set of jobs. State information included in the heartbeat messages may be provided to a leader election algorithm that outputs information indicating one or more computing nodes that are most qualified to process the set of jobs based on processing capabilities of the computing nodes and processing constraints associated with the set of jobs. The computing node may select itself as the leader computing node to process the set of jobs based on determining, from the information output by the leader election algorithm, that the computing node is most qualified to process the set of jobs and no other computing nodes are processing the set of jobs.

Abstract: Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

Abstract: Embodiments generally relate to a cloud computing infrastructure and method of operating the same including at least: receiving a configuration file from a configuration repository; receiving a request from a first device to configure an application rule set of one or more nodes based on the configuration file; transmitting the request to a receiver node selected from the one or more nodes; generating a notification alerting the one or more nodes that the request is stored on a database; distributing the configuration file to a subset of the one or more nodes based on receipt of an access request from the one or more nodes; and updating the application rule set of the subset of the one or more nodes based on the configuration file.

Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

Abstract: A set of computing nodes may receive a corresponding set of heartbeat messages that originated at the set of computing nodes. The set of heartbeat messages may relate to selecting, among the set of computing nodes, a leader computing node to process a set of jobs. State information included in the heartbeat messages may be provided to a leader election algorithm that outputs information indicating one or more computing nodes that are most qualified to process the set of jobs based on processing capabilities of the computing nodes and processing constraints associated with the set of jobs. The computing node may select itself as the leader computing node to process the set of jobs based on determining, from the information output by the leader election algorithm, that the computing node is most qualified to process the set of jobs and no other computing nodes are processing the set of jobs.