US 11,694,156 B2 · Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

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.

Claims20

Dependent claims

A system for reducing computational loads associated with processing transaction proposals, comprising:

at least one memory storing instructions;
and
at least one processor configured to execute the instructions to perform operations comprising:
receiving, via one of an Application Programming Interface (API) or an online portal, a transaction proposal from a user device;
identifying a plurality of data sources based on the transaction proposal;
receiving, via a data interface, data from at least one of the plurality of data sources;
generating, based on the transaction proposal, a minimally viable transaction (MVT) that comprises a combination of transaction parameters acceptable according to a policy;
determining, based on the MVT, a plurality of transaction offers, each of the plurality of transaction offers differing from the MVT and from each other and being acceptable according to the policy;
and
transmitting to the user device:
an indication of whether the transaction proposal is approved;
and
at least one of the plurality of transaction offers as an alternative to the transaction proposal.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application

17/135,900Filed 28 Dec 2020 · continuation

Priority

18 Dec 2015

Published

US 2021/0192437 A124 Jun 2021

Granted

4 Jul 2023

Term ends

Not estimatedThe source records don’t support an estimate.

Classification8 codes

G06Q 10/087
Logistics, e.g. warehousing, loading or distribution; Inventory or stock management: inventory or stock management, e.g. order filling,…
G06F 30/20
Computer-aided design [CAD]: design optimisation, verification or simulation
G06N 5/045
Inference or reasoning models: explanation of inference; Explainable artificial intelligence [XAI]; Interpretable artificial intelligence
G06Q 40/03
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: credit; Loans; Processing thereof

Family

Application62/269,529Us provisional application · filed 18 Dec 2015

Application15/381,906Parent of this continuation · filed 16 Dec 2016

Application15/709,231Parent of this continuation · filed 19 Sep 2017

Application15/955,210Parent of this continuation · filed 17 Apr 2018

US 9,965,741 B2Parent of this continuation · filed 8 May 2018

US 9,978,038 B2Parent of this continuation · filed 22 May 2018

Application16/192,167Parent of this continuation · filed 15 Nov 2018

US 2021/0192437 A1Pre-grant publication · published 24 Jun 2021

US 10,878,375 B2Parent of this continuation

US 10,163,072 B2Parent of this continuation

US 2017/0178063 A1Published application

US 2018/0005179 A1Published application

US 2018/0232691 A1Published application

US 2019/0087773 A1Published application

US 11,694,156 B2This patent

From the US filing history. Foreign family members aren’t listed.

Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

Life of this patent

Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing

Life of this patent

Abstract

Claims20