Client-server architecture for managing customer vehicle leasing
First Claim
1. A system configured for managing a plurality of credit profiles for a plurality of customers by a user, each of said customers having a fleet of leased vehicles, the system comprising:
- a server for communication with a client computer, the client computer for use by a user; and
,a database in communication with the server, the database being configured to store a plurality of customer credit profiles, each credit profile comprising a credit limit, a vehicle limit, a per vehicle credit limit that represents a maximum amount of credit authorized for any given vehicle in the customer'"'"'s fleet, a per vehicle aftermarket equipment (AME) credit limit that represents a maximum amount of credit authorized for AME for any given vehicle in the customer'"'"'s fleet, a maximum maintenance management amount and a maximum risk management amount;
wherein the server is configured to (1) provide a plurality of graphical user interfaces (GUIs) for display on the client computer, at least one of the GUIs being configured to (i) display a selected customer credit profile'"'"'s credit limit, (ii) display the selected customer credit profile'"'"'s vehicle limit, (iii) display the selected customer credit profile'"'"'s per vehicle credit limit, (iv) display the selected customer credit profile'"'"'s per vehicle AME credit limit, (v) display the selected customer credit profile'"'"'s maximum maintenance management amount, (vi) display the selected customer credit profile'"'"'s maximum risk management amount, (vii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s credit limit, (viii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s vehicle limit, (ix) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s per vehicle credit limit, (x) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s AME credit limit, (xi) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s maximum maintenance management amount, (xii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s maximum risk management amount, and (xiii) receive data from the client computer in response to user input, the data corresponding to a request for a proposed change to one of said customer'"'"'s credit profiles based on user entry in at least one of the fields, at least one of the GUIs being configured to display, in response to receiving the data corresponding to the proposed change request, at least a portion of the selected customer'"'"'s credit profile, and at least one of the GUIs being configured to receive an action input from the client computer in response to user input, the action input identifying an action to take on the proposed change request, and (2) update the selected customer'"'"'s credit profile in accordance with the received action input.
1 Assignment
0 Petitions
Accused Products
Abstract
A system for managing a credit profile for a customer having a fleet of leased vehicles, the system comprising: (a) a client computer; (b) a server in communication with the client computer; and (c) a database in communication with the server, the database being configured to store a plurality of customer credit profiles, each customer credit profile comprising a credit limit for a customer and a leased vehicle limit for a customer, the credit limit corresponding to a maximum amount of monetary credit that has been authorized for extension to the customer, the leased vehicle limit corresponding to a maximum number of leased vehicles that are authorized for the customer'"'"'s leased vehicle fleet; and wherein the server is configured to (1) provide a plurality of GUIs for display on the client computer, wherein at least one of the GUIs is configured to submit a request for a change to a customer'"'"'s credit profile in response to user input, at least one of the GUIs is configured to display at least a portion of the customer'"'"'s credit profile in response to user input, and at least one of the GUIs is configured to receive input from the user corresponding to an action to take on the submitted request, and (2) update the customer'"'"'s credit profile in accordance with the action input. Also disclosed herein is a method for managing a credit profile for a customer having a fleet of leased vehicles.
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Citations
52 Claims
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1. A system configured for managing a plurality of credit profiles for a plurality of customers by a user, each of said customers having a fleet of leased vehicles, the system comprising:
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a server for communication with a client computer, the client computer for use by a user; and
,a database in communication with the server, the database being configured to store a plurality of customer credit profiles, each credit profile comprising a credit limit, a vehicle limit, a per vehicle credit limit that represents a maximum amount of credit authorized for any given vehicle in the customer'"'"'s fleet, a per vehicle aftermarket equipment (AME) credit limit that represents a maximum amount of credit authorized for AME for any given vehicle in the customer'"'"'s fleet, a maximum maintenance management amount and a maximum risk management amount; wherein the server is configured to (1) provide a plurality of graphical user interfaces (GUIs) for display on the client computer, at least one of the GUIs being configured to (i) display a selected customer credit profile'"'"'s credit limit, (ii) display the selected customer credit profile'"'"'s vehicle limit, (iii) display the selected customer credit profile'"'"'s per vehicle credit limit, (iv) display the selected customer credit profile'"'"'s per vehicle AME credit limit, (v) display the selected customer credit profile'"'"'s maximum maintenance management amount, (vi) display the selected customer credit profile'"'"'s maximum risk management amount, (vii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s credit limit, (viii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s vehicle limit, (ix) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s per vehicle credit limit, (x) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s AME credit limit, (xi) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s maximum maintenance management amount, (xii) display a field for user entry of a proposed change to the selected customer credit profile'"'"'s maximum risk management amount, and (xiii) receive data from the client computer in response to user input, the data corresponding to a request for a proposed change to one of said customer'"'"'s credit profiles based on user entry in at least one of the fields, at least one of the GUIs being configured to display, in response to receiving the data corresponding to the proposed change request, at least a portion of the selected customer'"'"'s credit profile, and at least one of the GUIs being configured to receive an action input from the client computer in response to user input, the action input identifying an action to take on the proposed change request, and (2) update the selected customer'"'"'s credit profile in accordance with the received action input. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method for user management of a plurality of customer credit profiles, at least one of said customers having a fleet of leased vehicles, the method comprising:
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providing at least one GUI through which a user can selectively choose to propose a change for a credit profile of a customer, the credit profile being stored in a database and comprising a credit limit, a vehicle limit, and at least one member selected from the group consisting of a per vehicle credit limit that represents a maximum amount of credit authorized for any given vehicle in the customer'"'"'s fleet, a per vehicle aftermarket equipment (AME) credit limit that represents a maximum amount of credit authorized for AME for any given vehicle in the customer'"'"'s fleet, a maximum maintenance management amount, and a maximum risk management amount; receiving input through that GUI to propose a change to at least one of the group consisting of the credit limit, the vehicle limit, and at least one member selected from the group consisting of the per vehicle credit limit, the per vehicle AME credit limit, the maximum maintenance management amount, and the maximum risk management amount; providing at least one GUI through which a user can submit a request to review the proposed change to the customer'"'"'s credit profile; providing at least one GUI through which a user can view data stored in the customer'"'"'s credit profile in response to a submitted request to review the proposed change; providing at least one GUI through which a user can provide input corresponding to an approval or rejection of the proposed change; and
,updating the customer'"'"'s stored credit profile in accordance with the approval or rejection input; and wherein the method steps are performed by at least one processor. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method for user management of credit for a plurality of fleet customers, each fleet customer having a fleet of leased vehicles, the method comprising:
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providing at least one GUI through which a user can selectively choose to propose a change for a customer'"'"'s credit information, the credit information being stored in a database and comprising financial data about the customer, an identifier associated with the financial data that corresponds to a level of scrutiny applied to the financial data, a credit limit, a vehicle limit, and at least one member selected from the group consisting of a per vehicle credit limit that represents a maximum amount of credit authorized for any given vehicle in the customer'"'"'s fleet, a per vehicle aftermarket equipment (AME) credit limit that represents a maximum amount of credit authorized for AME for any given vehicle in the customer'"'"'s fleet, a maximum maintenance management amount, and a maximum risk management amount; receiving input through that GUI to propose a change to at least one of the group consisting of the credit limit, the vehicle limit, and at least one member selected from the group consisting of the per vehicle credit limit, the per vehicle AME credit limit, the maximum maintenance management amount, and the maximum risk management amount; providing at least one GUI through which a user can submit a request to review the proposed change to the customer'"'"'s credit information; providing at least one GUI through which a user can view the customer credit information'"'"'s financial data and the identifier associated therewith; providing at least one GUI through which a user can provide input corresponding to an approval or rejection of the proposed change; and updating the customer'"'"'s stored credit information in the database in accordance with the user'"'"'s approval or rejection input; and wherein the method steps are performed by at least one processor. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34)
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35. A system comprising:
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a server configured to (1) provide a plurality of GUIs for display on any of a plurality of client computers, the plurality of GUIs being configured to interface a plurality of users of the client computers with vehicle fleet leasing credit management software, (2) accept a plurality of commands from the GUIs, and (3) execute the vehicle fleet leasing credit management software in response to the accepted commands, the vehicle fleet leasing credit management software being configured to provide integrated management of a plurality of credit profiles by the users through the GUIs, each credit profile corresponding to a customer having a fleet of leased vehicles, the integrated management comprising; (a) the vehicle fleet leasing credit management software being configured to respond to a request by at least one of the users to propose a change to a customer'"'"'s credit profile to accommodate a potential change to that customer'"'"'s vehicle fleet by (i) displaying data within that customer'"'"'s credit profile on at least one of the client computers through at least one of the GUIs, the displayed data comprising a credit limit corresponding to a maximum amount of monetary credit that has been authorized for extension to that customer and a leased vehicle limit corresponding to a maximum number of leased vehicles that are authorized for that customer'"'"'s leased vehicle fleet, (ii) providing a field through at least one of the GUIs for user entry to enter a proposed new value for the credit limit, (iii) providing a field through at least one of the GUIs for user entry to enter a proposed new value for the leased vehicle limit, (iv) accepting a user entry through at least one of the fields to thereby define a proposed new credit profile for that customer, and (v) submitting the proposed new credit profile for approval; and (b) the vehicle fleet leasing credit management software being further configured to permit at least one of the users to conduct a credit review corresponding to the proposed new credit profile by (i) providing at least one GUI for access by at least one of the users that displays a current state and a projected state for that customer'"'"'s vehicle fleet, (ii) providing at least one GUI for access by at least one of the users that provides an analysis of a credit risk for that customer based on a risk analysis technique that is systematically uniform for a lessor of the vehicle fleet with respect to the users of the vehicle fleet leasing credit management software, (iii) providing at least one GUI for access by at least one of the users that provides a view of financial information for that customer that is systematically uniform for the lessor with respect to the users of the vehicle fleet leasing credit management software, and (iv) providing at least one GUI for access by at least one of the users that permits that at least one user to approve the proposed new credit profile. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43)
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44. A method comprising:
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providing a plurality of GUIs for display on any of a plurality of client computers, the plurality of GUIs being configured to interface a plurality of users of the client computers with vehicle fleet leasing credit management software; accepting a plurality of commands from the GUIs; and executing the vehicle fleet leasing credit management software in response to the accepted commands, the vehicle fleet leasing credit management software being configured to provide integrated management of a plurality of credit profiles by the users through the GUIs, each credit profile corresponding to a customer having a fleet of leased vehicles, wherein the executing step comprises (1) responding to a request by at least one of the users to propose a change to a customer'"'"'s credit profile to accommodate a potential change to that customer'"'"'s vehicle fleet by (i) displaying data within that customer'"'"'s credit profile on at least one of the client computers through at least one of the GUIs, the displayed data comprising a credit limit corresponding to a maximum amount of monetary credit that has been authorized for extension to that customer and a leased vehicle limit corresponding to a maximum number of leased vehicles that are authorized for that customer'"'"'s leased vehicle fleet, (ii) providing a field through at least one of the GUIs for user entry to enter a proposed new value for the credit limit, (iii) providing a field through at least one of the GUIs for user entry to enter a proposed new value for the leased vehicle limit, (iv) accepting a user entry through at least one of the fields to thereby define a proposed new credit profile for that customer, and (v) submitting the proposed new credit profile for approval, and (2) permitting at least one of the users to conduct a credit review corresponding to the proposed new credit profile by (i) providing at least one GUI for access by at least one of the users that displays a current state and a projected state for that customer'"'"'s vehicle fleet, (ii) providing at least one GUI for access by at least one of the users that provides an analysis of a credit risk for that customer based on a risk analysis technique that is systematically uniform for a lessor of the vehicle fleet with respect to the users of the vehicle fleet leasing credit management software, (iii) providing at least one GUI for access by at least one of the users that provides a view of financial information for that customer that is systematically uniform for the lessor with respect to the users of the vehicle fleet leasing credit management software, and (iv) providing at least one GUI for access by at least one of the users that permits that at least one user to approve the proposed new credit profile. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51, 52)
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Specification