Methods and systems for providing personalized, real-time information based on remotely retrieved information

US11514520B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Katherine Forrester · Dallas, US
• Nicholas Dolle · McKinney, US
• Xiaoxiang Zhang · McKinney, US
• Kurt M. Johnson · Brighton, US
• Jeffrey Whalen · Frisco, US
• David Gray · Ashland, US
• Shaun Webb · Oakland, US
• Maninder Singh Suri · Irving, US
• Ruhaab Markas · The Colony, US

Key dates

• Filing date: Dec 14, 2021
• Grant date: Nov 29, 2022
• Expiry date: Dec 14, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.