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Vehicle purchasing tools

  • US 10,679,271 B2
  • Filed: 03/05/2018
  • Issued: 06/09/2020
  • Est. Priority Date: 04/30/2015
  • Status: Active Grant
First Claim
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1. A user device comprising:

  • one or more memory units for storing instructions; and

    one or more processors configured to execute the stored instructions to perform operations comprising;

    generating an interface configured to display information;

    receiving, from a financial services system of a financial services provider, vehicle inventory information relating to a dealership vehicle inventory;

    displaying the vehicle inventory information on the interface;

    receiving a pre-qualification application from the financial services system;

    displaying the pre-qualification application on the interface;

    receiving user input via the interface to complete the pre-qualification application, the user input comprising customer information identifying a customer and a selection of at least one vehicle from the dealership inventory, the customer information comprising customer financial information;

    sending the completed pre-qualification application and the selection from the dealership inventory to the financial services system;

    receiving a pre-qualified offer for the at least one selected vehicle from the financial services system based on the completed pre-qualification application and a soft credit inquiry, the pre-qualified offer comprising the at least one selected vehicle and a loan term;

    displaying the pre-qualified offer on the interface;

    receiving user input via the interface, the user input comprising offer information relating to the pre-qualified offer;

    sending the offer information to the financial services system;

    receiving a modified pre-qualified offer from the financial services system based on the offer information, the modified pre-qualified offer comprising a modified loan term;

    displaying the modified pre-qualified offer on the interface;

    receiving user input via the interface to complete a loan application associated with the modified pre-qualified offer;

    sending the completed loan application to the financial services system;

    receiving, from the financial services system, a loan offer based on the completed loan application, the loan offer being based on a credit report received by the financial services system in response to a hard credit check, wherein the loan offer includes one or more corresponding terms of the modified pre-qualified offer in replacement for one or more terms of the loan offer determined to differ from the one or more corresponding terms of the modified pre-qualified offer; and

    generating an interface to display the loan offer.

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