Systems and methods for continuously updating and runtime processing of decisioning

Abstract

In some aspects, the techniques described herein relate to a method including: receiving, at an attribute and income platform, demand deposit account information associated with a demand deposit account; receiving, at the attribute and income platform, financial information of a customer associated with the demand deposit account; generating, by the attribute and income platform, a financial profile for the customer; generating, by a customer decisioning platform, a pre-approval of a credit product for the customer, wherein the customer pre-approval is based on the financial profile for the customer; providing, by the event streaming platform, a customer pre-approval topic; publishing the customer pre-approval to the customer pre-approval topic; and subscribing, by one or more processing platforms, to the customer pre-approval topic.

1 . A method comprising:
 receiving, at an attribute and income platform, demand deposit account information associated with a demand deposit account;   receiving, at the attribute and income platform, financial information of a customer associated with the demand deposit account;   generating, by the attribute and income platform, a financial profile for the customer;   generating, by a customer decisioning platform, a customer pre-approval of a credit product for the customer, wherein the customer pre-approval is based on the financial profile for the customer;   providing, by an event streaming platform, a customer pre-approval topic;   publishing the customer pre-approval to the customer pre-approval topic; and   subscribing, by one or more processing platforms, to the customer pre-approval topic.   
     
     
         2 . The method of  claim 1 , comprising:
 receiving, at the attribute and income platform, a risk score.   
     
     
         3 . The method of  claim 2 , wherein the risk score is based on the financial profile. 
     
     
         4 . The method of  claim 1 , wherein the customer pre-approval is further based on account state information from a credit account platform. 
     
     
         5 . The method of  claim 4 , comprising:
 providing, by the event streaming platform, an account state topic;   streaming, by the credit account platform, the account state information to the account state topic; and   subscribing, by the customer decisioning platform, to the account state topic.   
     
     
         6 . The method of  claim 1 , wherein the one or more processing platforms includes a transaction decisioning platform. 
     
     
         7 . The method of  claim 3 , wherein the financial profile and the risk score are updated iteratively on a time interval, and comprising:
 determining an eligibility of the customer for the customer pre-approval iteratively on the time interval.   
     
     
         8 . A system comprising at least one computer including a processor, wherein the at least one computer is configured to:
 receive, at an attribute and income platform, demand deposit account information associated with a demand deposit account;   receive, at the attribute and income platform, financial information of a customer associated with the demand deposit account;   generate, by the attribute and income platform, a financial profile for the customer;   generate, by a customer decisioning platform, a customer pre-approval of a credit product for the customer, wherein the customer pre-approval is based on the financial profile for the customer;   provide, by an event streaming platform, a customer pre-approval topic;   publish the customer pre-approval to the customer pre-approval topic; and   subscribe, by one or more processing platforms, to the customer pre-approval topic.   
     
     
         9 . The system of  claim 8 , comprising:
 receiving, at the attribute and income platform, a risk score.   
     
     
         10 . The system of  claim 9 , wherein the risk score is based on the financial profile. 
     
     
         11 . The system of  claim 8 , wherein the customer pre-approval is further based on account state information from a credit account platform. 
     
     
         12 . The system of  claim 11 , comprising:
 providing, by the event streaming platform, an account state topic;   streaming, by the credit account platform, the account state information to the account state topic; and   subscribing, by the customer decisioning platform, to the account state topic.   
     
     
         13 . The system of  claim 8 , wherein the one or more processing platforms includes a transaction decisioning platform. 
     
     
         14 . The system of  claim 10 , wherein the financial profile and the risk score are updated iteratively on a time interval, and comprising:
 determining an eligibility of the customer for the customer pre-approval iteratively on the time interval.   
     
     
         15 . A non-transitory computer readable storage medium, including instructions stored thereon, which instructions, when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
 receiving, at an attribute and income platform, demand deposit account information associated with a demand deposit account;   receiving, at the attribute and income platform, financial information of a customer associated with the demand deposit account;   generating, by the attribute and income platform, a financial profile for the customer;   generating, by a customer decisioning platform, a customer pre-approval of a credit product for the customer, wherein the customer pre-approval is based on the financial profile for the customer;   providing, by an event streaming platform, a customer pre-approval topic;   publishing the customer pre-approval to the customer pre-approval topic; and   subscribing, by one or more processing platforms, to the customer pre-approval topic.   
     
     
         16 . The non-transitory computer readable storage medium of  claim 15 , comprising:
 receiving, at the attribute and income platform, a risk score.   
     
     
         17 . The non-transitory computer readable storage medium of  claim 16 , wherein the risk score is based on the financial profile. 
     
     
         18 . The non-transitory computer readable storage medium of  claim 15 , wherein the customer pre-approval is further based on account state information from a credit account platform. 
     
     
         19 . The non-transitory computer readable storage medium of  claim 18 , comprising:
 providing, by the event streaming platform, an account state topic;   streaming, by the credit account platform, the account state information to the account state topic; and   subscribing, by the customer decisioning platform, to the account state topic.   
     
     
         20 . The non-transitory computer readable storage medium of  claim 17 , wherein the financial profile and the risk score are updated iteratively on a time interval, and comprising:
 determining an eligibility of the customer for the customer pre-approval iteratively on the time interval.