Computing system supporting online purchases
First Claim
1. A system comprising:
- one or more processors and one or more computer-readable memories storing program instructions, the one or more processors configured to execute the program instructions to cause the system to perform operations comprising;
receiving financial information associated with a user;
in response to receiving the financial information associated with the user, utilizing the financial information to determine whether the user is pre-approved for financing for at least one item of one or more items; and
based on determining that the user is pre-approved for financing for the at least one item of the one or more items, and upon detecting a request for presentation of the one or more items;
filtering, in real time, the presentation of the one or more items so only the at least one item is presented to the user.
3 Assignments
0 Petitions
Accused Products
Abstract
An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer'"'"'s credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller'"'"'s products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online.
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Citations
8 Claims
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1. A system comprising:
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one or more processors and one or more computer-readable memories storing program instructions, the one or more processors configured to execute the program instructions to cause the system to perform operations comprising; receiving financial information associated with a user; in response to receiving the financial information associated with the user, utilizing the financial information to determine whether the user is pre-approved for financing for at least one item of one or more items; and based on determining that the user is pre-approved for financing for the at least one item of the one or more items, and upon detecting a request for presentation of the one or more items; filtering, in real time, the presentation of the one or more items so only the at least one item is presented to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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Specification