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公开(公告)号：US20180130127A1
公开(公告)日：2018-05-10
申请号：US15861829
申请日：2018-01-04
发明人： Katherine Forrester , Nicholas Dolle , Xiaoxiang Zhang , Kurt Johnson , Jeffrey Whalen , David Gray , Shaun Webb , Maninder Suri , Ruhaab Markas
IPC分类号： G06Q40/02
摘要： This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
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公开(公告)号：US20180089757A1
公开(公告)日：2018-03-29
申请号：US15826956
申请日：2017-11-30
发明人： Katherine D. Forrester , Patrick A. Eberle , Nicholas Dolle , Steven G. Chiagouris , JoAnna R. Hartzmark , Xiaoxiang Zhang , Kurt Johnson , Kenneth S. Childs
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.
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公开(公告)号：US20150206234A1
公开(公告)日：2015-07-23
申请号：US14599127
申请日：2015-01-16
发明人： Katherine Forrester , Nicholas Dolle , Xiaoxiang Zhang , Kurt Johnson , Jeffrey Whalen , David Gray , Shaun Webb , Maninder Suri , Ruhaab Markas
IPC分类号： G06Q40/02
CPC分类号： G06Q40/025
摘要： This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
摘要翻译： 本公开一般涉及用于提供个性化融资信息的系统和方法，更具体地，涉及经由经销商网站使用与金融服务提供商相关联的API来提供个性化融资信息的系统和方法。 在一个实施例中，系统包括存储指令的存储器硬件，所述指令配置处理硬件以经由实时API接收对买方的贷款请求，所述实时API至少包括购买者标识和财务信息以及与经销商上呈现的至少一个库存项目相关联的信息 网站。 该系统还可以至少基于贷款请求来确定包括至少一个项目的预期融资条件的融资信息。 服务器还可以通过实时API向经销商服务器提供确定的融资信息，以便在经销商网站上呈现，包括与所述至少一个项目中的每个项目相对应的预期融资条款信息。
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公开(公告)号：US10580071B2
公开(公告)日：2020-03-03
申请号：US15861829
申请日：2018-01-04
发明人： Katherine Forrester , Nicholas Dolle , Xiaoxiang Zhang , Kurt Johnson , Jeffrey Whalen , David Gray , Shaun Webb , Maninder Suri , Ruhaab Markas
IPC分类号： G06Q40/02
摘要： This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
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公开(公告)号：US10467690B2
公开(公告)日：2019-11-05
申请号：US15826956
申请日：2017-11-30
发明人： Katherine D. Forrester , Patrick A. Eberle , Nicholas Dolle , Steven G. Chiagouris , JoAnna R. Hartzmark , Xiaoxiang Zhang , Kurt Johnson , Kenneth S. Childs
IPC分类号： G06Q40/02
摘要： Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.
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