Abstract: Various embodiments are directed to integrating at least data aggregation, marketing content creation, and fulfillment into a single marketing platform with security features layered in to each of the aforementioned aspects of the platform. In examples, the marketing platform may include at least four components: a data engine, a content engine, a fulfillment engine, and a real-time marketing analytics and monitoring component. The data engine may receive and process data from one or more data sources, the content engine may allow marketing content to be created and approved, and the fulfillment engine may deliver the marketing content via one or more channels. The security features may be configured such that personally identifiable information (PII) or sensitive data is handled and processed securely and appropriately.

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: Disclosed embodiments provide devices, methods, and computer-readable storage media for determining information of an object from a captured image. Further, the disclosed device responds to a user input by capturing, with the camera, image data representing an object. The device then transmits, via a messaging application through a network interface to a server, the image data and a request for information relating to the object. The object information is received via the messaging application through the network from the server and is displayed on the display screen.

Abstract: Various embodiments are directed to a digital marketing rules engine. In examples, the digital marketing rules engine may receive a JavaScript Object Notation (JSON) payload, one or more portions of which can be converted into a rule. The rule may be stored and registered in a cache. The rules engine may receive customer information and determine which of the numerous rules registered in the cache are applicable to the customer. The applicable rules may then be compared against the customer information to determine whether the customer should be included or excluded from an offer. If it is determined that the customer passes or meets the requirements of all the applicable rules, the offer may be provided or presented to the customer via one or more channels.

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: Disclosed embodiments provide devices, methods, and computer-readable storage media for determining information of an object from a captured image. Further, the disclosed device responds to a user input by capturing, with the camera, image data representing an object. The device then transmits, via a messaging application through a network interface to a server, the image data and a request for information relating to the object. The object information is received via the messaging application through the network from the server and is displayed on the display screen.

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: 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: 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 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: Systems and methods for processing an image using machine learning are provided. The system includes a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device; extracting one or more features from the image; determining a make and a model of the vehicle based on the extracted features and using a machine learning algorithm. The operations also include: obtaining user information relating to a financing request for the vehicle; determining and transmitting to the client device a real-time quote for the vehicle based on the make, the model, and the user information.

Abstract: Systems and methods for processing an image using machine learning are provided. The system includes a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: determining a location of the client device; receiving an image of a vehicle from the client device; matching, using a machine learning algorithm, the image to one or more images of vehicles in a database. The operations also include: retrieving vehicle information based on the matched one or more images; obtaining user information relating to a financing request for the vehicle; determining and transmitting to the client device a real-time quote for the vehicle based on the vehicle information and user information.

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: 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.

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. Each queue level may be intelligently controlled to provide backpressure in accordance with both processing demands of coupled messaging agents and available resources. Queues may be controlled to speed up or slow down customer information retrieval in accordance with the progress of campaign processing. Customer information is combined with campaign content by a set of messaging agents, each of which independently process a campaign for a target. Because messaging agents operate independently of each other, the potential for bottlenecks often encountered during campaign processing is removed. The set of messaging agents may be dynamically modified during operation to add or remove messaging agents in accordance with the processing needs of a campaign and the available resources of the campaign server.

Abstract: A monitoring system includes a non-transitory computer readable medium and a processor. The processor receives, in real time, information of an observable item emitted by each stack layer of an observable system according to an observability specification. The observability specification defines the observable item of each stack layer of the observable system to be monitored. The non-transitory computer readable medium stores the received information of the observable item emitted by each stack layer of the observable system. A graphical user interface displays in real time the received information of the observable item emitted by each stack layer of the observable system.

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.