US 11,818,115 B1
Unified lending platform
Rajesh K. Shah, Parsippany, NJ (US); Arif Sufi, Harrison, NJ (US); Balamurugan Muthu, Phoenix, AZ (US); Sudip Mukhopadhyay, Jamaica, NY (US); Deepak Nayak, Dayton, NJ (US); Michael S. Ruttledge, East Greenwich, RI (US); Dhiraj Rattan, Gilbert, AZ (US); James W. Mitcheson, West Bridgewater, MA (US); Nageshwara Rao Chirravuri, Chandler, AZ (US); Krishna Mopati, Cave Creek, AZ (US); Williard D. Stackpole, Tolland, CT (US); Kyle R. Berglund, Franklin, TN (US); Matthew Eble Darlage, Pittsburgh, PA (US); Chris Benz, Seville, OH (US); Christopher D. Elomaa, Coventry, RI (US); Brendan Coughlin, Needham, MA (US); Eric Schuppenhauer, Southland, TX (US); Christine Roberts, Wayland, MA (US); Ryan Pearson, Cumberland, RI (US); Jeffrey M. Mayerson, Addison, TX (US); and Christopher C. Ebeling, Westwood, MA (US)
Assigned to Citizens Financial Group, Inc., Providence, RI (US)
Filed by Citizens Financial Group, Inc., Providence, RI (US)
Filed on Jul. 7, 2023, as Appl. No. 18/348,631.
Claims priority of provisional application 63/423,652, filed on Nov. 8, 2022.
Claims priority of provisional application 63/423,530, filed on Nov. 8, 2022.
Claims priority of provisional application 63/422,180, filed on Nov. 3, 2022.
Claims priority of provisional application 63/422,029, filed on Nov. 3, 2022.
Claims priority of provisional application 63/421,797, filed on Nov. 2, 2022.
Claims priority of provisional application 63/421,785, filed on Nov. 2, 2022.
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01)
CPC H04L 63/0815 (2013.01) [G06F 21/6245 (2013.01); H04L 63/20 (2013.01)] 30 Claims
OG exemplary drawing
 
1. A unified platform system comprising:
an authentication and authorization framework comprising one or more of a plurality of computing devices, the one or more of the plurality of computing devices comprising one or more processors executing computer-readable program instructions that define a single sign-on (SSO) multi-identity provider (IdP) engine, the SSO multi-IdP engine configured to:
receive, from a user device, access credentials for proceeding through one or more workflow journeys,
determine at least one protocol, standard and format associated with the access credentials,
determine an authentication of the access credentials based on authentication policy rules stored in one or more memory devices of the unified platform system, generate an authentication response, according to the determined at least one protocol, standard and format, based on the authentication policy rules, and
transmit the authentication response to the user device;
a dynamic user interface framework comprising one or more of the plurality of computing devices executing computer-readable program instructions that cause the dynamic user interface framework to:
identify, select and obtain, from the one or more memory devices, configuration and properties data associated with the user device,
generate at least one web page for the one or more workflow journeys based on the configuration and properties data,
generate web page metadata for the at least one web page based on the configuration and properties data, and
deploy at least one web page and corresponding web page metadata, the at least one web page being configured specifically for the user device;
a workflow state management framework comprising one or more of the plurality of computing devices executing computer-readable program instructions that cause the workflow state management framework configured to:
determine that an initiate state event for the one or more workflow journeys has occurred,
determine a next best step from among a plurality of next best steps for the one or more workflow journeys based on metadata associated with the initiate state event and on metadata associated with one or more other events, and
initiate a flow between two or more states of the one or more workflow journeys based on the determined next best step;
a notification and active data loss and prevention (DLP) engine framework comprising one or more of the plurality of computing devices executing computer-readable program instructions that cause the notification and active DLP engine framework to:
capture a flow of data associated with the one or more workflow journeys,
extract data objects from the captured flow of data,
determine whether the data objects comprise sensitive data,
classify the data objects based on the determination as to whether the data objects comprise sensitive data, and
initiate at least one of an action and control when the data objects are classified as comprising the sensitive data; and
an orchestration engine framework comprising one or more of the plurality of computing devices executing computer-readable program instructions that cause the orchestration engine framework to:
translate the flow of data to generate translated data based on a communication protocol,
obtain, from the one or more memory devices, one or more rules, and
perform one or more micro-service orchestrations based on the translated data and the one or more rules.