System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options
First Claim
1. A vehicle history and prequalification system, comprising:
- a communication interface configured to;
electronically communicate with a wired or wireless network,receive one or more financial criteria based at least in part on which a corresponding one or more financial institutions make a determination regarding a user'"'"'s prequalification status via the network from the corresponding one or more financial institutions, andreceive vehicle history information from at least one of a third party information database, an industry publication database, a safety ratings database, and a vehicle specification database via the network;
a data store configured to store the one or more financial criteria; and
a server comprising one or more processors programmed to execute instructions that cause at least one processor of the one or more processors to;
provide a user interface for operation by the user at a remote computing device,receive a request, via the user interface, from the user requesting a vehicle history report of a vehicle, the request including at least one of a vehicle identification number (VIN) of the vehicle, a license plate of the vehicle, or other unique identifier of the vehicle,generate an overlay layer including a prompt to the user, via the user interface, for an indication of user interest in a prequalification for a financing offer associated with the vehicle while maintaining previous data, receive the indication of user interest in the prequalification, via the user interface, the indication including personal information of the user,retrieve data corresponding to the vehicle from the vehicle history information associated with at least one of the VIN, the license plate, or the other unique identifier of the vehicle,retrieve at least one financial criteria from the data store, andgenerate a prequalification determination for the user based at least on the received at least one financial criterion stored in the data store, the personal information of the user, or a price of the vehicle;
wherein the prequalification server is further configured to;
convey, via the user interface, the vehicle history report to the user, the vehicle history report generated based at least on the retrieved and stored data corresponding to the vehicle, andconvey, via the user interface, the prequalification determination to the user.
1 Assignment
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Accused Products
Abstract
One embodiment of the system and method described herein provides a computer system configured to provide an interface for operation by a user at a remote computing device, receive a request from the user for a vehicle history report of a vehicle. The computer system is further configured to prompt the user for interest in a prequalification for a financing offer. The computer system is further configured to receive the indication of the user'"'"'s interest in the prequalification. The system also includes a data storage module, accessible by the computer system, configured to retrieve data corresponding to the vehicle, store the retrieved data, retrieve data corresponding to a determination regarding the prequalification for the financing offer, and store the retrieved determination. The computer system is further configured to convey the vehicle history report to the user and convey the prequalification determination to the user.
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Citations
22 Claims
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1. A vehicle history and prequalification system, comprising:
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a communication interface configured to; electronically communicate with a wired or wireless network, receive one or more financial criteria based at least in part on which a corresponding one or more financial institutions make a determination regarding a user'"'"'s prequalification status via the network from the corresponding one or more financial institutions, and receive vehicle history information from at least one of a third party information database, an industry publication database, a safety ratings database, and a vehicle specification database via the network; a data store configured to store the one or more financial criteria; and a server comprising one or more processors programmed to execute instructions that cause at least one processor of the one or more processors to; provide a user interface for operation by the user at a remote computing device, receive a request, via the user interface, from the user requesting a vehicle history report of a vehicle, the request including at least one of a vehicle identification number (VIN) of the vehicle, a license plate of the vehicle, or other unique identifier of the vehicle, generate an overlay layer including a prompt to the user, via the user interface, for an indication of user interest in a prequalification for a financing offer associated with the vehicle while maintaining previous data, receive the indication of user interest in the prequalification, via the user interface, the indication including personal information of the user, retrieve data corresponding to the vehicle from the vehicle history information associated with at least one of the VIN, the license plate, or the other unique identifier of the vehicle, retrieve at least one financial criteria from the data store, and generate a prequalification determination for the user based at least on the received at least one financial criterion stored in the data store, the personal information of the user, or a price of the vehicle; wherein the prequalification server is further configured to; convey, via the user interface, the vehicle history report to the user, the vehicle history report generated based at least on the retrieved and stored data corresponding to the vehicle, and convey, via the user interface, the prequalification determination to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer-implemented method, comprising:
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receiving one or more financial criteria based at least in part on which a corresponding one or more financial institutions make a determination regarding a user'"'"'s prequalification status via a communication interface from the corresponding one or more financial institutions over a network; storing the one or more financial criteria in a data store; receiving vehicle history information from at least one of a third party information database, an industry publication database, a safety ratings database, and a vehicle specification database via the communication network; providing a user interface for operation by the user at a remote computing device; receiving a request, via the user interface, from the user requesting a vehicle history report of a vehicle, the request including at least one of a vehicle identification number (VIN) of the vehicle, a license plate of the vehicle, or other unique identifier of the vehicle; generating an overlay layer including a prompt to the user, via the user interface, for an indication of user interest in a prequalification for a financing offer associated with the vehicle while maintaining previous data; receiving the indication of user interest in the prequalification, via the user interface, the indication including personal information of the user; retrieving data corresponding to the vehicle from the vehicle history information associated with at least one of the VIN, the license plate, or the other unique identifier of the vehicle; retrieving at least one financial criteria from the data store; generating a prequalification determination for the user based at least on the received at least one financial criterion stored in the data store, the personal information of the user, or a price of the vehicle; conveying, via the user interface, the vehicle history report to the user, the vehicle history report generated based at least on the retrieved and stored data corresponding to the vehicle; and conveying, via the user interface, the prequalification determination to the user. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An apparatus for vehicle history and prequalification determination, comprising:
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means for electrically communicating with a wired or wireless network; means for receiving one or more financial criteria based at least in part on which a corresponding one or more financial institutions make a determination regarding a user'"'"'s prequalification status via the means for electrically communicating from the corresponding one or more financial institutions; means for receiving vehicle history information from at least one of a third party information database, an industry publication database, a safety ratings database, and a vehicle specification database via the means for electrically communicating; means for providing user interface for operation by the user at a remote computing device; means for receiving a request from the user via the user interface requesting a vehicle history report of a vehicle, the request including at least one of a vehicle identification number (VIN) of the vehicle, a license plate of the vehicle, or other unique identifier of the vehicle; means for generating an overlay layer including a prompt to the user, via the user interface, for an indication of user interest in a prequalification for a financing offer associated with the vehicle while maintaining previous data; means for receiving the indication of user interest in the prequalification via the user interface, the indication including personal information of the user; means for retrieving data corresponding to the vehicle the vehicle history information associated with at least one of the VIN, the license plate, or the other unique identifier of the vehicle; means for retrieving at least one financial criteria from the data store; means for generating a prequalification determination for the user based at least on the received at least one financial criterion stored in the data store, the personal information of the user, or a price of the vehicle; means for conveying, via the user interface, the vehicle history report to the user, the vehicle history report generated based at least on the retrieved data corresponding to the vehicle; and means for conveying, via the user interface, the prequalification determination to the user.
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22. A computer program product comprising a non-transitory computer readable medium comprising instructions that, when executed, cause an apparatus to perform a method, the method comprising:
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receiving one or more financial criteria based at least in part on which a corresponding one or more financial institutions make a determination regarding a user'"'"'s prequalification status via a communication interface from the corresponding one or more financial institutions over a network; storing the one or more financial criteria in a data store; receiving vehicle history information from at least one of a third party information database, an industry publication database, a safety ratings database, and a vehicle specification database via the communication network; providing a user interface for operation by the user at a remote computing device; receiving a request, via the user interface, from the user requesting a vehicle history report of a vehicle, the request including at least one of a vehicle identification number (VIN) of the vehicle, a license plate of the vehicle, or other unique identifier of the vehicle; generating an overlay layer including a prompt to the user, via the user interface, for an indication of user interest in a prequalification for a financing offer associated with the vehicle while maintaining previous data; receiving the indication of user interest in the prequalification, via the user interface, the indication including personal information of the user; retrieving data corresponding to the vehicle from the vehicle history information associated with at least one of the VIN, the license plate, or the other unique identifier of the vehicle; retrieving at least one financial criteria from the data store; generating a prequalification determination for the user based at least on the received at least one financial criterion stored in the data store, the personal information of the user, or a price of the vehicle; conveying, via the user interface, the vehicle history report to the user, the vehicle history report generated based at least on the retrieved and stored data corresponding to the vehicle; and conveying, via the user interface, the prequalification determination to the user.
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Specification