METHODS AND SYSTEMS FOR FACILITATING BUSINESS TRANSACTIONS

• US 20160300300A1
• Filed: 04/13/2015
• Published: 10/13/2016
• Est. Priority Date: 04/13/2015
• Status: Abandoned Application

• Current Assignee: Yu Chen
• Original Assignee: Yu Chen
• Inventors: CHEN, Yu
• Application Number:
  US14/685,328
• Publication Number:
  US 20160300300A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems and methods for forwarding product specifications and/or price quotes during an online chat session are disclosed. Prospective borrowers visit the online loan exchange and enter loan scenario information. The loan exchange searches the database for compatible loan quotes, and retrieves a list of competitive loan quotes which is then sent to the borrower. The prospective borrower selects a loan quote, and is offered to enter into a chat session with the loan agent. The loan agent receives a request to enter into the chat session with the prospective borrower, and automatically or manually receives both the loan scenario and/or the loan quotation. Systems and methods for escrow and title agents to post their services and fees on the loan exchange are also disclosed. The loan agent develops matching rules to select compatible services as part of the loan quotation.

Claims

1. A machine implemented method for carrying forward information in a chat session, the method comprising:

receiving via a first user computing device a list of parameters describing a desired business offering from a first user;

initiating a chat session between the first user computing device and a second user computing device; and

,

forwarding the list of parameters and/or business offering(s) to the second user computing device.

2. The machine implemented method for carrying forward information in the chat session of claim 1, the method further comprising storing the list of parameters and/or business offering(s) in the second user computing device.

3. The machine implemented method for carrying forward information in the chat session of claim 2, wherein the list of parameters comprises at least four features.

4. The machine implemented method for carrying forward information in the chat session of claim 3, wherein the list of parameters describes a loan scenario for a loan, and a business offering may include a quote for rate and/or closing cost.

5. The machine implemented method for carrying forward information in the chat session of claim 3, wherein the list of parameters describes a desired vehicle for purchase, and a business offering may include a price quote.

6. The machine implemented method for carrying forward information in the chat session of claim 3, wherein the list of parameters describes a desired insurance package, and a business offering may include a price quote.

7. The machine implemented method for carrying forward information in the chat session of claim 3, wherein the list of parameters describes information for obtaining a credit card offering, and a business offering may include a credit card offering itself.

8. The machine implemented method for carrying forward information in the chat session of claim 3, wherein the list of parameters describes information describing a real estate transaction, and a business offering may include the listing price of a house.

9. A machine readable non-transitory medium storing executable program instructions which when executed cause a data processing system to perform a method comprising:

receiving a loan scenario via a network by at least one processor;

selecting a list of compatible loan quotes based on the loan scenario by the at least one processor;

transmitting the list of the compatible loan quotes from the at least one processor to a first computing device;

displaying the list of compatible loan quotes on the first computing device;

receiving the selected loan quote by an input on the first computing device; and

,

facilitating a chat session between the first computing device and a second computing device.

10. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, the method further comprising automatically or manually forwarding the loan scenario and/or the selected loan quote to the second computing device

11. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 10, the method further comprising storing the loan scenario and/or the selected loan quote on the second computing device.

12. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, the method further comprising providing a pre-determined message from the second computing device to the first computing device.

13. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 12, the method further comprising storing a pre-determined message and/or a conversation on the second computing device.

14. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, wherein the loan quotes comprise a mortgage interest rate trend customized for each quote.

15. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, the method further comprising receiving from the second computing device a criteria for the lender-paid compensation and the borrower-paid compensation.

16. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 15, the method further comprising comparing the criteria to pre-determined rules.

17. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, the method further comprising receiving from the second computing device, one or more loan quotes to be made available to prospective borrowers in response to proposed loan scenarios.

18. The machine readable non-transitory medium storing executable program instructions which when executed cause the data processing system to perform the method of claim 9, wherein the loan scenario and/or loan quote is for a real estate loan.

19. A system for electronically facilitating real estate transactions, the system comprising:

a network;

a first computing device;

a second computing device;

at least one processor operably coupled to the network, the at least one processor configured to;

receive a loan scenario

select a list of compatible loan quotes based on the loan scenario by the at least one processor;

transmit the list of the compatible loan quotes from the at least one processor to a first computing device,

wherein the first computing device is configured to display the list of compatible loan quotes, receive the selected loan quote by an input on the first computing device, and facilitate a chat session between the first computing device and the second computing device.

20. The system for electrically facilitating real estate transactions, the system comprising:

of claim 19, the at least one processor further configured to automatically forward the loan scenario and/or the selected loan quote to the second computing device