Vehicle purchasing tools
First Claim
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.
2 Assignments
0 Petitions
Accused Products
Abstract
A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.
-
Citations
17 Claims
-
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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
-
-
16. A method comprising:
-
generating, by at least one processor, an interface configured to display information on a user device; receiving, by the processor, from a financial services system of a financial services provider, vehicle inventory information relating to a dealership vehicle inventory; displaying, by the processor, the vehicle inventory information on the interface; receiving, by the processor, a pre-qualification application from the financial services system; displaying, by the processor, the pre-qualification application on the interface; receiving, by the processor, 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, by the processor, the completed pre-qualification application and the selection from the dealership inventory to the financial services system; receiving, by the processor, 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 not impacting a credit history of the customer, the pre-qualified offer comprising the at least one selected vehicle and a loan term; displaying, by the processor, the pre-qualified offer on the interface; receiving, by the processor, user input via the interface, the user input comprising offer information relating to the pre-qualified offer; sending, by the processor, the offer information to the financial services system; receiving, by the processor, 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, by the processor, the modified pre-qualified offer on the interface; receiving, by the processor, user input via the interface to complete a loan application associated with the modified pre-qualified offer; sending, by the processor, the completed loan application to the financial services system; receiving, by the processor, 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 display, by the processor, the loan offer on the interface.
-
-
17. A non-transitory computer readable medium having stored instructions, which when executed, cause at least one processor to perform operations comprising:
-
generating an interface configured to display information on a user device; receiving, from a financial services system, 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, wherein the soft credit inquiry does not impact a credit history of the customer, the pre-qualified offer comprises 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 display the loan offer on the interface.
-
Specification